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ACNB

ACNB Corporation

ACNB

ACNB Corporation • NASDAQ
$48.40 ▼ -1.22% (-0.60)
Market Cap $502.62 M
52w High $49.72
52w Low $35.70
Dividend Yield 1.00%
P/E 14.53
Volume 7.88K
Outstanding Shares 10.38M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $50.901M ▲ $22.361M ▼ $14.87M ▲ 29.214% ▲ $1.43 ▲ $20.674M ▲
Q2-2025 $50.258M ▲ $25.366M ▼ $11.648M ▲ 23.176% ▲ $1.11 ▲ $16.683M ▲
Q1-2025 $43.474M ▲ $29.335M ▲ $-272K ▼ -0.626% ▼ $-0.028 ▼ $896K ▼
Q4-2024 $33.184M ▼ $18.388M ▲ $6.595M ▼ 19.874% ▼ $0.77 ▼ $8.999M ▼
Q3-2024 $34.074M $18.244M $7.204M 21.142% $0.85 $10.154M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $0 ▼ $3.251B ▼ $2.842B ▼ $408.642M ▲
Q2-2025 $558.426M ▼ $3.26B ▼ $2.864B ▼ $395.151M ▲
Q1-2025 $579.382M ▲ $3.27B ▲ $2.883B ▲ $386.883M ▲
Q4-2024 $64.854M ▼ $2.395B ▼ $2.092B ▼ $303.273M ▼
Q3-2024 $476.171M $2.421B $2.114B $306.755M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $11.648M ▲ $17.762M ▲ $-15.478M ▼ $-22.738M ▼ $-20.454M ▼ $17.947M ▲
Q1-2025 $-272K ▼ $-71K ▼ $88.927M ▲ $-12.555M ▲ $76.301M ▲ $-730K ▼
Q4-2024 $6.595M ▼ $5.706M ▼ $6.711M ▼ $-23.247M ▲ $-10.83M ▲ $5.333M ▼
Q3-2024 $7.204M ▼ $13.552M ▲ $19.33M ▲ $-61.064M ▼ $-28.182M ▼ $13.33M ▲
Q2-2024 $11.279M $9.706M $-9.068M $32.501M $33.139M $9.419M

Revenue by Products

Product Q3-2024Q4-2024Q1-2025Q2-2025
ATM Service Charges and Debit Card Transactions
ATM Service Charges and Debit Card Transactions
 $0 ▲$0 ▲$0 ▲$0 ▲
Deposit Account
Deposit Account
 $0 ▲$0 ▲$0 ▲$0 ▲
Fiduciary and Trust
Fiduciary and Trust
 $0 ▲$0 ▲$0 ▲$0 ▲
Mortgage Banking
Mortgage Banking
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement ACNB’s income statement shows a steady, conservative bank rather than a fast‑growth story. Revenue has inched up over time, and core banking margins look reasonably healthy and consistent. Profitability peaked a couple of years ago and has eased slightly since, but earnings remain clearly stronger than they were before the pandemic. Overall, this looks like a stable, well-managed income profile, though not one driven by aggressive expansion. Future results will be sensitive to interest rate shifts and credit quality, as with most regional banks.

Balance Sheet

Balance Sheet The balance sheet reflects a traditional community bank with moderate risk-taking. Total assets have leveled off after earlier growth, suggesting a pause to digest prior expansion. Cash levels are much lower than during the pandemic liquidity surge, which is normal as conditions normalize. Debt has risen from very low levels but still appears manageable relative to the size of the bank, while equity has been building over time. This points to a generally solid capital base and a cautious approach, but as with any regional lender, concentration in specific local markets and loan books remains an area to watch.

Cash Flow

Cash Flow Cash generation has been steady and predictable, which is a positive sign for a bank of this size. Operating cash flow has tracked closely with free cash flow, helped by very modest capital spending needs. This pattern suggests that most of the cash the business generates can support lending, dividends, or other strategic uses rather than heavy reinvestment in physical assets. Still, cash flows can change quickly in banking if credit conditions deteriorate or funding costs rise, so the apparent stability should be viewed in that broader context.

Competitive Edge

Competitive Edge ACNB competes as a classic community and regional bank with strong local roots in its core markets. Its edge comes from deep relationships, local decision-making, and a broad set of services that include banking, wealth, and insurance. The recent acquisition of Traditions Bancorp expands its presence in attractive Pennsylvania markets and adds scale, but also introduces integration risk. Compared with large national banks and digital-only players, ACNB relies more on trust, service, and local knowledge than on cutting‑edge technology or national brand power. That position can be resilient in its niche but limits its reach and makes local economic health especially important.

Innovation and R&D

Innovation and R&D ACNB is not a high-tech disruptor, but it has steadily upgraded its digital banking tools and uses technology pragmatically. Standard online and mobile services, remote deposit, and treasury management solutions are in place, with growing customer adoption. The more distinctive aspect is how it applies these tools to niche offerings, such as tailored mortgage programs for community workers and medical professionals, and specialized services for local businesses. The bank’s focus on “digital transformation” appears evolutionary rather than revolutionary—enhancing convenience, speeding processes, and broadening noninterest income—so the main opportunity is incremental improvement rather than dramatic technology-led change.

Summary

ACNB comes across as a conservative, community-focused regional bank with stable earnings, a sound balance sheet, and dependable cash generation. Its strengths are long-standing local relationships, diversified services (including insurance), and targeted products that speak directly to its communities. Key opportunities lie in fully realizing the benefits of the Traditions acquisition, gradually improving digital capabilities, and growing fee-based business lines. Main risks include exposure to local economic cycles, interest rate swings, credit quality in the loan portfolio, and execution around integration and technology upgrades. Overall, the picture is one of steady, relationship-driven banking with moderate growth and typical regional bank sensitivities.

NEWS

October 23, 2025 · 7:38 AM UTC

ACNB Corporation Reports 2025 Third Quarter Financial Results

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October 22, 2025 · 8:46 AM UTC

ACNB Corporation Announces Fourth Quarter Cash Dividend

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