ACNBNasdaqState Commercial BanksFiscal year ends December 31
ACNB CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$62.89−0.45 (-0.71%)
Close on Oct 19, 2026
- Market cap
- $642.25M
- P/E (TTM)
- 11.9
- Dividend yield
- 2.19%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
19.3%−0.4 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +45.1% | +20.8% | +15.5% | +142.7% | |
| Net income | +16.3% | +1.2% | +15.0% | +12.9% | |
| EPS, diluted | -3.5% | -4.6% | – | – | |
| Free cash flow | +35.4% | +12.0% | +16.6% | +15.3% | |
| Dividend per share | +9.5% | +9.2% | +6.7% | +5.6% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 9.3% | 8.2% | 10.2% | |
| Return on assets | 0.9% | 0.9% | 1.3% | |
| Capex to revenue | 29300.0% | 1.1% | 0.6% | |
| Diluted shares | 6M | 9M | 10M |
Where the cash went
Fiscal 2021 to 2025, five years combined
ACNB generated $215.35M from operations and spent $81.11M on capital expenditure, dividends and share buybacks. 8% of that went back into the business.
Generated
$215.35M
Used
$81.11M
Capital expenditure$6.59M8%Dividends$52.88M65%Share buybacks$21.64M27%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin19.3%
×Asset turnover0.07×
×Equity multiplier7.77×
=Return on equity, FY202510.2%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 19.3% | 0.07× | 7.77× | 10.2% |
| FY2024 | 24.1% | 0.05× | 8.29× | 11.0% |
| FY2023 | 27.5% | 0.05× | 9.46× | 12.1% |
| FY2022 | 32.8% | 0.04× | 10.27× | 13.8% |
| FY2021 | 29.6% | 0.04× | 10.08× | 10.5% |
| FY2020 | 19.7% | 0.04× | 9.55× | 8.2% |
| FY2019 | 30.6% | 0.05× | 9.42× | 13.3% |
| FY2018 | 16601.5% | 0.00× | 10.07× | 13.5% |
| FY2017 | 16313.3% | 0.00× | 10.22× | 7.1% |
| FY2016 | 135862.5% | 0.00× | 10.03× | 9.3% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$37.05M
- Cash generatingOperating cash flow above zero$53.64M
- Return on assets improvedROA up on the prior year1.3% → 1.5%
- Earnings backed by cashOperating cash flow above net income$53.64M vs $37.05M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise9M → 10M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.05 → 0.08