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ACNB Corporation

ACNB Corporation

ACNB
ACNB CorporationUS flagNASDAQ Capital Market
65.95
USD
+0.34
- -
673.48MMarket Cap
ACNB Corporation
ACNB
(NASDAQ Capital Market)

Recent

price

65.95

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
7.96
7.77
7.76
7.58
7.63
7.97
8.15
9.25
10.38
10.99
10.79
10.78
12.31
12.49
12.74
14.79
15.63
Revenue per Share
1.42
1.43
1.49
1.56
1.71
1.83
1.8
1.5
3.09
3.36
2.13
3.19
4.2
3.72
3.75
3.61
5.29
Basic EPS, GAAP
1.32
2.73
1.56
3.01
1.8
2.39
2
2.6
4.2
3.64
2.95
4.83
4.6
4.77
4.68
5.23
5.84
Free Cash Flow per Basic Share
0.76
0.76
0.76
0.76
0.77
0.8
0.8
0.8
0.89
0.98
1.01
1.03
1.07
1.14
1.26
1.4
2.01
Dividend per Share
15.81
16.39
16.98
17.83
18.29
18.99
19.8
21.92
23.86
26.77
29.62
31.35
28.78
32.6
35.45
40.49
41.62
Book Value per Share
14.19
14.82
15.51
16.47
17.04
17.78
18.64
18.77
20.46
23.38
23.95
25.8
22.37
26.34
29.37
32.11
33.28
Tangible Book Value per Share
6
6
6
6
6
6
6
7
7
7
9
9
9
9
9
10
10
Basic Weighted Avg Shares
47
46
46
45
46
48
49
61
73
78
93
94
105
106
108
152
161
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2
2
2
2
2
2
2
2
3
3
4
3
4
3
3
7
7
Depreciation Expense
8
9
9
9
10
11
11
10
22
24
18
28
36
32
32
37
55
Net Income, GAAP
19.64
20.21
20.7
21.39
23.04
25.45
25.74
40.4
18.61
19.22
18.98
20.52
20.46
20.48
21.21
20.24
20.42
Effective Tax Rate (%)
17.84
18.44
19.23
20.56
22.48
22.95
22.04
16.18
29.77
30.57
19.74
29.6
34.11
29.77
29.39
24.42
33.84
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
81
71
60
83
81
76
74
95
84
70
57
38
24
198
258
260
219
LT Debt
94
97
101
107
110
115
120
154
168
190
258
272
245
277
303
420
423
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
9.25
8.89
8.94
8.95
9.49
9.8
9.26
7.14
13.5
13.26
8.22
10.5
13.83
12.13
10.97
10.25
13.34
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
45
45
90
LT Borrowings
255
215
215
LT Finance Leases
4
4
4
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
10
10
10
Market Capitalization
501
495
604

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
69
474
460
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
45
45
90
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
14.75%
11.31%
38.48%
Free Cash Flow
17.93%
18.97%
34.84%
Net Income, GAAP
18.27%
17.05%
16.34%
Sales/Revenue/Turnover
12.82%
11.15%
40.02%
Total Cash Common Dividend
12.02%
11.2%
34.25%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
26
27
28
27
108
2025
34
40
41
37
152
2026
41
43
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.8
1.32
0.85
0.77
3.75
2025
-0.03
1.11
1.43
1.04
3.61
2026
1.32
1.5
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.3
0.32
0.32
0.32
1.26
2025
0.34
0.34
0.34
0.38
1.4
2026
0.38
0.92
- -
- -
- -
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Business
ACNB Corporation (NASDAQ: ACNB), a financial holding company headquartered in Gettysburg, Pennsylvania and founded in 1857, provides banking, insurance, wealth management, and related financial services to individual, business, and government customers primarily in south-central Pennsylvania and northern Maryland. Through its principal subsidiary ACNB Bank, the company offers deposit products including checking, savings, money market accounts, time deposits, and debit cards; commercial lending such as commercial mortgages, real estate development and construction loans, accounts receivable and inventory financing, agricultural loans, and governmental loans; consumer lending encompassing home equity loans and lines of credit, automobile and recreational vehicle loans, manufactured housing loans, and personal lines of credit; mortgage lending programs featuring personal residential mortgages, residential construction loans, and investment mortgage loans; wealth management services comprising testamentary trusts, life insurance trusts, charitable remainder trusts, guardianships, powers of attorney, custodial accounts, investment management and advisory accounts, retail brokerage, and fiduciary services as trustee for financial assets; and digital banking solutions including online, telephone, mobile banking, and automated teller machine access. ACNB Insurance Services, Inc., doing business as Russell Insurance Group, provides property and casualty, life, health, and disability insurance products to commercial and personal clients. In a major strategic expansion announced July 23, 2024, and completed February 1, 2025, ACNB acquired Traditions Bancorp, Inc., and its subsidiary Traditions Bank in an all-stock transaction, integrating Traditions' operations into ACNB Bank to enhance its community banking footprint, add experienced leadership including Traditions CEO Eugene J. Draganosky as Vice Chair of ACNB's boards, and bolster market presence in York County, Pennsylvania. The company operates through a network of community banking offices and loan production offices across Pennsylvania counties of Adams, Cumberland, Franklin, Lancaster, and York, and Maryland counties of Baltimore, Carroll, and Frederick; maintains total assets of approximately $2.8 billion as of late 2024; and reports revenue primarily from net interest income supplemented by noninterest income from fees, insurance commissions, and wealth management.

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