ACNB
ACNB Corporation
Price Chart
Latest Quote
$51.49
Current Price| Previous Close | $50.52 |
| Open | $50.38 |
| Day High | $51.68 |
| Day Low | $50.38 |
| Volume | 36,392 |
Stock Information
| Quarterly Dividend / Yield | $1.52 / 3.01% |
| Shares Outstanding | 10.37M |
| Total Debt | $324.57M |
| Cash Equivalents | $65.65M |
| Revenue | $146.68M |
| Net Income | $37.05M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $534.71M |
| P/E Ratio | 14.30 |
| EPS (TTM) | $3.60 |
| Exchange | NCM |
đ Custom Metrics & Score
Score: 9/42| Debt to Equity | 0.90 |
| Debt to Earnings | 6.78 |
| Avg Revenue Growth | 3.81% |
| Profit Margin | 29.39% |
| Return on Equity | 10.50% |
| Avg FCF Growth | -1.07% |
| FCF Yield | 7.26% |
Score Explanation: The perfect score is 42/42 based on debt levels, profitability, growth rates, and cash flow metrics. FCF Yield is weighted most heavily as it shows what return the business currently generates.
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-02-02 | $51.49 | 37,072 |
| 2026-01-30 | $50.52 | 31,700 |
| 2026-01-29 | $49.74 | 42,700 |
| 2026-01-28 | $48.48 | 56,500 |
| 2026-01-27 | $48.76 | 32,400 |
| 2026-01-26 | $48.36 | 29,200 |
| 2026-01-23 | $49.03 | 21,000 |
| 2026-01-22 | $50.85 | 27,900 |
| 2026-01-21 | $50.71 | 27,800 |
| 2026-01-20 | $48.89 | 23,400 |
| 2026-01-16 | $49.40 | 33,000 |
| 2026-01-15 | $49.64 | 30,500 |
| 2026-01-14 | $48.74 | 26,600 |
| 2026-01-13 | $48.24 | 39,000 |
| 2026-01-12 | $48.02 | 24,300 |
| 2026-01-09 | $48.33 | 22,200 |
| 2026-01-08 | $48.66 | 29,300 |
| 2026-01-07 | $47.61 | 18,300 |
| 2026-01-06 | $48.40 | 28,100 |
| 2026-01-05 | $48.43 | 27,800 |
About ACNB Corporation
ACNB Corporation, a financial holding company, offers banking, insurance, and financial services to individual, business, and government customers in the United States. The company offers checking, savings, and money market deposit accounts, as well as time deposits and debit cards. It also provides commercial lending products, such as commercial mortgages, real estate development and construction loans, accounts receivable and inventory financing, and agricultural and governmental loans; consumer lending products, including home equity loans and lines of credit, automobile and recreational vehicle loans, manufactured housing loans, and personal lines of credit; and mortgage lending programs include personal residential mortgages, and residential construction and investment mortgage loans. In addition, the company offers other services that are related to testamentary trusts, life insurance trusts, charitable remainder trusts, guardianships, powers of attorney, custodial accounts, and investment management and advisory accounts; and wealth management and retail brokerage and services. Further, it acts as a trustee to invest in, protect, manage, and distribute financial assets. Additionally, the company offers property and casualty, health, life, and disability insurance products to commercial and personal clients; and online, telephone, and mobile banking, as well as automated teller machine services. ACNB Corporation was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.
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Income Statement (Annual)
Revenue
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Total Revenue | $108,341,000 | $106,428,000 | $104,811,000 | $94,020,000 |
| Operating Revenue | $108,341,000 | $106,428,000 | $104,811,000 | $94,020,000 |
Expenses
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Interest Expense | $23,854,000 | $8,320,000 | $3,624,000 | $6,915,000 |
| General And Administrative Expense | $44,354,000 | $42,319,000 | $37,107,000 | $37,776,000 |
| Professional Expense And Contract Services Expense | $2,140,000 | $2,320,000 | $2,086,000 | $1,304,000 |
| Other Non Interest Expense | $9,419,000 | $9,587,000 | $8,908,000 | $8,131,000 |
| Selling And Marketing Expense | - | $612,000 | $299,000 | $287,000 |
Income & Earnings
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Income From Continuing Operation Net Minority Interest | $31,846,000 | $31,688,000 | $35,752,000 | $27,834,000 |
| Net Interest Income | $82,641,000 | $87,989,000 | $83,321,000 | $71,014,000 |
| Interest Income | $106,495,000 | $96,309,000 | $86,945,000 | $77,929,000 |
| Normalized Income | $33,457,460 | $31,420,085 | $35,417,305 | $27,834,000 |
| Net Income From Continuing And Discontinued Operation | $31,846,000 | $31,688,000 | $35,752,000 | $27,834,000 |
| Net Income Common Stockholders | $31,846,000 | $31,688,000 | $35,752,000 | $27,834,000 |
| Net Income | $31,846,000 | $31,688,000 | $35,752,000 | $27,834,000 |
| Net Income Including Noncontrolling Interests | $31,846,000 | $31,688,000 | $35,752,000 | $27,834,000 |
| Net Income Continuous Operations | $31,846,000 | $31,688,000 | $35,752,000 | $27,834,000 |
| Pretax Income | $40,419,000 | $39,849,000 | $44,951,000 | $35,019,000 |
| Special Income Charges | $-2,045,000 | $337,000 | $421,000 | $0 |
| Depreciation Amortization Depletion Income Statement | $1,244,000 | $1,424,000 | $1,492,000 | $1,164,000 |
| Depreciation And Amortization In Income Statement | $1,244,000 | $1,424,000 | $1,492,000 | $1,164,000 |
| Amortization Of Intangibles Income Statement | $1,244,000 | $1,424,000 | $1,492,000 | $1,164,000 |
Per Share Metrics
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Diluted EPS | $3.73 | $3.71 | $4.15 | $3.19 |
| Basic EPS | $3.75 | $3.72 | $4.15 | $3.19 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Tax Effect Of Unusual Items | $-433,540 | $69,085 | $86,305 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-2,045,000 | $337,000 | $421,000 | $0 |
| Total Unusual Items Excluding Goodwill | $-2,045,000 | $337,000 | $421,000 | $0 |
| Reconciled Depreciation | $3,033,000 | $3,362,000 | $3,796,000 | $3,441,000 |
| Diluted Average Shares | $8,536,965 | $8,541,240 | $8,515,120 | $8,725,392 |
| Basic Average Shares | $8,503,473 | $8,518,280 | $8,515,120 | $8,725,392 |
| Diluted NI Availto Com Stockholders | $31,846,000 | $31,688,000 | $35,752,000 | $27,834,000 |
| Tax Provision | $8,573,000 | $8,161,000 | $9,199,000 | $7,185,000 |
| Gain On Sale Of Business | $0 | $0 | $421,000 | $0 |
| Restructuring And Mergern Acquisition | $2,045,000 | $0 | $0 | $0 |
| Gain On Sale Of Security | $60,000 | $-5,222,000 | $-532,000 | $439,000 |
| Amortization | $1,244,000 | $1,424,000 | $1,492,000 | $1,164,000 |
| Selling General And Administration | $44,354,000 | $42,319,000 | $37,107,000 | $38,063,000 |
| Insurance And Claims | $1,425,000 | $1,388,000 | $1,128,000 | $960,000 |
| Salaries And Wages | $42,929,000 | $40,931,000 | $35,979,000 | $36,816,000 |
| Occupancy And Equipment | $11,483,000 | $10,422,000 | $10,688,000 | $10,289,000 |
| Other Special Charges | - | $-337,000 | - | - |
| Other Gand A | - | - | - | $718,000 |
Balance Sheet (Annual)
Assets
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Tangible Assets | $251,250,000 | $224,194,000 | $190,525,000 | $223,905,000 |
| Total Assets | $2,394,830,000 | $2,418,847,000 | $2,525,507,000 | $2,786,987,000 |
| Goodwill And Other Intangible Assets | $52,023,000 | $53,267,000 | $54,517,000 | $48,209,000 |
| Other Intangible Assets | $7,838,000 | $9,082,000 | $10,332,000 | $6,101,000 |
| Cash And Cash Equivalents | $47,262,000 | $65,958,000 | $168,161,000 | $710,131,000 |
| Cash Financial | $16,352,000 | $21,442,000 | $40,067,000 | $14,912,000 |
| Cash Cash Equivalents And Federal Funds Sold | $58,115,000 | $75,635,000 | $169,790,000 | $712,434,000 |
Debt
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Debt | $223,897,000 | $156,216,000 | - | - |
| Total Debt | $273,923,000 | $224,789,000 | $24,162,000 | $37,970,000 |
| Long Term Debt And Capital Lease Obligation | $258,097,000 | $197,907,000 | $24,162,000 | $37,970,000 |
| Long Term Debt | $255,333,000 | $195,292,000 | $21,000,000 | $34,700,000 |
| Current Debt And Capital Lease Obligation | $15,826,000 | $26,882,000 | $0 | - |
| Current Debt | $15,826,000 | $26,882,000 | $0 | - |
| Other Current Borrowings | $15,826,000 | $26,882,000 | $0 | - |
Liabilities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Total Liabilities Net Minority Interest | $2,091,557,000 | $2,141,386,000 | $2,280,465,000 | $2,514,873,000 |
Equity
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Common Stock Equity | $303,273,000 | $277,461,000 | $245,042,000 | $272,114,000 |
| Total Equity Gross Minority Interest | $303,273,000 | $277,461,000 | $245,042,000 | $272,114,000 |
| Stockholders Equity | $303,273,000 | $277,461,000 | $245,042,000 | $272,114,000 |
| Gains Losses Not Affecting Retained Earnings | $-41,668,000 | $-44,909,000 | $-58,012,000 | $-9,545,000 |
| Other Equity Adjustments | $-41,668,000 | $-44,909,000 | $-58,012,000 | $-9,545,000 |
| Retained Earnings | $234,624,000 | $213,491,000 | $193,873,000 | $167,238,000 |
| Long Term Equity Investment | $877,000 | $1,003,000 | $1,129,000 | $1,254,000 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Treasury Shares Number | $391,508 | $384,666 | $323,600 | $116,671 |
| Ordinary Shares Number | $8,553,785 | $8,511,453 | $8,515,120 | $8,679,206 |
| Share Issued | $8,945,293 | $8,896,119 | $8,838,720 | $8,795,877 |
| Tangible Book Value | $251,250,000 | $224,194,000 | $190,525,000 | $223,905,000 |
| Invested Capital | $574,432,000 | $499,635,000 | $266,042,000 | $306,814,000 |
| Capital Lease Obligations | $2,764,000 | $2,615,000 | $3,162,000 | $3,270,000 |
| Total Capitalization | $558,606,000 | $472,753,000 | $266,042,000 | $306,814,000 |
| Treasury Stock | $11,203,000 | $10,954,000 | $8,927,000 | $2,245,000 |
| Additional Paid In Capital | $99,163,000 | $97,602,000 | $96,022,000 | $94,688,000 |
| Capital Stock | $22,357,000 | $22,231,000 | $22,086,000 | $21,978,000 |
| Common Stock | $22,357,000 | $22,231,000 | $22,086,000 | $21,978,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $2,764,000 | $2,615,000 | $3,162,000 | $3,270,000 |
| Long Term Provisions | $1,394,000 | $1,719,000 | $92,000 | - |
| Investments And Advances | $460,349,000 | $518,224,000 | $621,379,000 | $447,415,000 |
| Held To Maturity Securities | $64,578,000 | $64,600,000 | $64,977,000 | $6,454,000 |
| Available For Sale Securities | $377,302,000 | $928,000 | $1,719,000 | $2,609,000 |
| Goodwill | $44,185,000 | $44,185,000 | $44,185,000 | $42,108,000 |
| Net PPE | $28,117,000 | $28,898,000 | $30,215,000 | $34,250,000 |
| Accumulated Depreciation | $-28,145,000 | $-27,278,000 | $-25,486,000 | $-26,781,000 |
| Gross PPE | $56,262,000 | $56,176,000 | $55,701,000 | $61,031,000 |
| Construction In Progress | $74,000 | $81,000 | $8,000 | $888,000 |
| Other Properties | $2,663,000 | $2,615,000 | $3,162,000 | $3,270,000 |
| Machinery Furniture Equipment | $14,717,000 | $14,813,000 | $14,598,000 | $16,781,000 |
| Buildings And Improvements | $33,390,000 | $33,249,000 | $32,515,000 | $33,139,000 |
| Land And Improvements | $5,418,000 | $5,418,000 | $5,418,000 | $6,953,000 |
| Other Short Term Investments | $17,592,000 | $451,693,000 | $553,554,000 | $437,098,000 |
Cash Flow Statement (Annual)
Free Cash Flow
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | $38,822,000 | $39,434,000 | $37,390,000 | $40,550,000 |
Operating Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | $39,782,000 | $40,602,000 | $39,201,000 | $42,126,000 |
| Cash Flow From Continuing Operating Activities | $39,782,000 | $40,602,000 | $39,201,000 | $42,126,000 |
| Operating Gains Losses | $-361,000 | $4,829,000 | $-335,000 | $-3,806,000 |
Investing Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Capital Expenditure | $-960,000 | $-1,168,000 | $-1,811,000 | $-1,576,000 |
| Investing Cash Flow | $2,428,000 | $15,437,000 | $-331,723,000 | $60,521,000 |
| Cash Flow From Continuing Investing Activities | $2,428,000 | $15,437,000 | $-331,723,000 | $60,521,000 |
| Net Other Investing Changes | $-1,176,000 | $-4,318,000 | $-11,526,000 | $1,477,000 |
| Capital Expenditure Reported | $-960,000 | $-1,168,000 | $-1,811,000 | $-1,576,000 |
Financing Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Repurchase Of Capital Stock | $-249,000 | $-2,027,000 | $-6,682,000 | $-1,517,000 |
| Issuance Of Capital Stock | $424,000 | $721,000 | $713,000 | $60,000 |
| Financing Cash Flow | $-60,906,000 | $-158,242,000 | $-249,448,000 | $208,132,000 |
| Cash Flow From Continuing Financing Activities | $-60,906,000 | $-158,242,000 | $-249,448,000 | $208,132,000 |
| Cash Dividends Paid | $-10,713,000 | $-9,702,000 | $-9,117,000 | $-8,968,000 |
| Common Stock Dividend Paid | $-10,713,000 | $-9,702,000 | $-9,117,000 | $-8,968,000 |
| Net Common Stock Issuance | $175,000 | $-1,306,000 | $-5,969,000 | $-1,457,000 |
| Common Stock Issuance | $424,000 | $721,000 | $713,000 | $60,000 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Repayment Of Debt | $0 | $0 | $-15,200,000 | $-34,045,000 |
| Issuance Of Debt | $60,000,000 | $175,000,000 | $1,500,000 | $15,000,000 |
| Interest Paid Supplemental Data | $23,097,000 | $7,155,000 | $3,682,000 | $8,240,000 |
| Income Tax Paid Supplemental Data | $6,628,000 | $10,030,000 | $7,225,000 | $7,400,000 |
| End Cash Position | $47,262,000 | $65,958,000 | $168,161,000 | $710,131,000 |
| Beginning Cash Position | $65,958,000 | $168,161,000 | $710,131,000 | $399,352,000 |
| Changes In Cash | $-18,696,000 | $-102,203,000 | $-541,970,000 | $310,779,000 |
| Common Stock Payments | $-249,000 | $-2,027,000 | $-6,682,000 | $-1,517,000 |
| Net Issuance Payments Of Debt | $18,944,000 | $189,928,000 | $-6,948,000 | $-22,307,000 |
| Net Short Term Debt Issuance | $-41,056,000 | $14,928,000 | $6,752,000 | $-3,262,000 |
| Net Long Term Debt Issuance | $60,000,000 | $175,000,000 | $-13,700,000 | $-19,045,000 |
| Long Term Debt Payments | $0 | $0 | $-15,200,000 | $-34,045,000 |
| Long Term Debt Issuance | $60,000,000 | $175,000,000 | $1,500,000 | $15,000,000 |
| Net Investment Purchase And Sale | $59,770,000 | $110,686,000 | $-240,271,000 | $-107,606,000 |
| Sale Of Investment | $59,770,000 | $159,524,000 | $66,475,000 | $109,180,000 |
| Purchase Of Investment | $0 | $-48,838,000 | $-306,746,000 | $-216,786,000 |
| Net Business Purchase And Sale | $0 | $-174,000 | $-7,379,000 | $0 |
| Sale Of Business | $0 | $0 | $421,000 | $0 |
| Purchase Of Business | $0 | $-174,000 | $-7,800,000 | $0 |
| Net PPE Purchase And Sale | $0 | $0 | $1,093,000 | $213,000 |
| Sale Of PPE | $0 | $0 | $1,093,000 | $213,000 |
| Change In Working Capital | $6,886,000 | $164,000 | $-3,922,000 | $1,982,000 |
| Change In Other Current Liabilities | $108,000 | $5,659,000 | $910,000 | $5,965,000 |
| Change In Other Current Assets | $5,351,000 | $-7,449,000 | $-4,303,000 | $-4,324,000 |
| Change In Payables And Accrued Expense | $757,000 | $743,000 | $-58,000 | $-1,325,000 |
| Change In Payable | $757,000 | $743,000 | $-58,000 | $-1,325,000 |
| Change In Account Payable | $757,000 | $743,000 | $-58,000 | $-1,325,000 |
| Change In Receivables | $-109,000 | $-1,165,000 | $-1,395,000 | $1,430,000 |
| Changes In Account Receivables | $-109,000 | $-1,165,000 | $-1,395,000 | $1,430,000 |
| Other Non Cash Items | $-1,824,000 | $-1,979,000 | $1,025,000 | $10,637,000 |
| Stock Based Compensation | $1,263,000 | $1,004,000 | $729,000 | $362,000 |
| Depreciation Amortization Depletion | $3,033,000 | $3,362,000 | $3,796,000 | $3,441,000 |
| Depreciation And Amortization | $3,033,000 | $3,362,000 | $3,796,000 | $3,441,000 |
| Amortization Cash Flow | $1,200,000 | - | - | - |
| Amortization Of Intangibles | $1,200,000 | - | - | - |
| Depreciation | $1,800,000 | - | - | - |
| Gain Loss On Investment Securities | $-60,000 | $5,222,000 | $532,000 | $-439,000 |
| Gain Loss On Sale Of PPE | $0 | $0 | $41,000 | $26,000 |
| Gain Loss On Sale Of Business | $0 | $0 | $-421,000 | $0 |
| Net Income From Continuing Operations | $31,846,000 | $31,688,000 | $35,752,000 | $27,834,000 |
| Short Term Debt Issuance | - | $14,928,000 | $6,752,000 | - |