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ACNB Corporation (ACNB)
Financial Services · Banks - Regional · NasdaqCM
ACNB Corporation revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $104.81M | $106.43M | $108.34M | $151.70M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $10.87M | $9.79M | $21.75M | $23.72M | $18.39M | $27.83M | $35.75M | $31.69M | $31.85M | $37.05M |
| Net margin | — | — | — | — | — | — | 34.1% | 29.8% | 29.4% | 24.4% |
Source: ACNB Corporation SEC filings (10-K). 17 years of history available in the interactive view.
What growth is priced into ACNB stock?
At today's market cap of $582.90M, ACNB Corporation is priced for free-cash-flow growth of about -0.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $52.57M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 16.6%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of ACNB Corporation financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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ACNB Corporation financial history by metric
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 that include personal residential mortgages, residential construction loans, and investment mortgage loans. In addition, the company offers other services that are related to testamentary trusts, life insurance trusts, charitable, guardianships, powers of attorney, custodial accounts, investment management and advisory accounts, wealth management, and retail brokerage and services. Further, the company offers property and casualty, health, life, and disability insurance products to commercial and personal clients; online, telephone, and mobile banking; as well as automated teller machine services. ACNB Corporation was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.
ACNB Corporation — frequently asked questions
What is ACNB Corporation's revenue?
ACNB Corporation (ACNB) reported revenue of $151.70M for fiscal year 2025, up 40.0% from the prior year, according to its SEC filings.
Is ACNB Corporation profitable?
Yes. ACNB earned net income of $37.05M in fiscal 2025, a net margin of 24.4%.
What is ACNB's P/E ratio?
ACNB Corporation trades at a price-to-earnings ratio of about 11.5 based on the latest data in our nightly-refreshed cache.
How much debt does ACNB Corporation have?
As of fiscal year 2025, ACNB carried roughly $300.38M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is ACNB Corporation's market cap?
ACNB Corporation (ACNB) has a market capitalization of about $582.90M, based on the latest data in our nightly-refreshed cache.
When does ACNB Corporation's fiscal year end?
ACNB's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into ACNB stock?
At today's market cap of $582.90M, ACNB Corporation is priced for free-cash-flow growth of about -0.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $52.57M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 16.6%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from ACNB Corporation's official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.