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ACNB CORP

ACNB Clue Score54
United States Fiscal year ends December CIK 0000715579
$62.29 -1.42% Close, 9 Oct 2026
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Price $62.29 +123.98% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Net income10.9Fiscal year 2017Net income9.8 −9.9%Fiscal year 2018Net income21.7 +122.2%Fiscal year 2019Net income23.7 +9.1%Fiscal year 2020Net income18.4 −22.5%Fiscal year 2021Net income27.8 +51.3%Fiscal year 2022Revenue108.9Net income35.8 +28.4%EPS, diluted4.15Fiscal year 2023Revenue115.1 +5.7%Net income31.7 −11.4%EPS, diluted3.71 −10.6%Fiscal year 2024Revenue132.2 +14.9%Net income31.8 +0.5%EPS, diluted3.73 +0.5%Fiscal year 2025Revenue191.8 +45.1%Net income37.1 +16.3%EPS, diluted3.60 −3.5%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a n/a n/a n/a n/a n/a 108.9 115.1 132.2 191.8
Growth +5.7% +14.9% +45.1%
Net income 10.9 9.8 21.7 23.7 18.4 27.8 35.8 31.7 31.8 37.1
Growth −9.9% +122.2% +9.1% −22.5% +51.3% +28.4% −11.4% +0.5% +16.3%
EPS, diluted n/a n/a n/a n/a n/a n/a 4.15 3.71 3.73 3.60
Growth −10.6% +0.5% −3.5%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Fiscal year 2017Fiscal year 2018Fiscal year 2019Fiscal year 2020Fiscal year 2021Fiscal year 2022Net margin32.8%Free cash flow margin34.3%Fiscal year 2023Net margin27.5%Free cash flow margin34.3%Fiscal year 2024Net margin24.1%Free cash flow margin29.4%Fiscal year 2025Net margin19.3%Free cash flow margin27.4%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a n/a n/a n/a n/a n/a 32.8% 27.5% 24.1% 19.3%
Free cash flow margin n/a n/a n/a n/a n/a n/a 34.3% 34.3% 29.4% 27.4%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow12.1Capital expenditure−2.3Free cash flow9.8Dividends paid−4.8Fiscal year 2017Operating cash flow17.0Capital expenditure−1.8Free cash flow15.3 +56.0%Dividends paid−5.2Fiscal year 2018Operating cash flow29.5Capital expenditure−1.7Free cash flow27.8 +82.3%Dividends paid−6.3Fiscal year 2019Operating cash flow25.7Capital expenditure−1.4Free cash flow24.3 −12.6%Dividends paid−6.9Fiscal year 2020Operating cash flow25.5Capital expenditure−1.0Free cash flow24.4 +0.5%Buybacks0.0Dividends paid−8.7Fiscal year 2021Operating cash flow42.1Capital expenditure−1.6Free cash flow40.6 +66.0%Buybacks−1.5Dividends paid−9.0Fiscal year 2022Operating cash flow39.2Capital expenditure−1.8Free cash flow37.4 −7.8%Buybacks−6.7Dividends paid−9.1Fiscal year 2023Operating cash flow40.6Capital expenditure−1.2Free cash flow39.4 +5.5%Buybacks−2.0Dividends paid−9.7Fiscal year 2024Operating cash flow39.8Capital expenditure−1.0Free cash flow38.8 −1.6%Buybacks−0.2Dividends paid−10.7Fiscal year 2025Operating cash flow53.6Capital expenditure−1.1Free cash flow52.6 +35.4%Buybacks−11.2Dividends paid−14.4
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 12.1 17.0 29.5 25.7 25.5 42.1 39.2 40.6 39.8 53.6
Capital expenditure −2.3 −1.8 −1.7 −1.4 −1.0 −1.6 −1.8 −1.2 −1.0 −1.1
Free cash flow 9.8 15.3 27.8 24.3 24.4 40.6 37.4 39.4 38.8 52.6
Growth +56.0% +82.3% −12.6% +0.5% +66.0% −7.8% +5.5% −1.6% +35.4%
Buybacks n/a n/a n/a n/a 0.0 −1.5 −6.7 −2.0 −0.2 −11.2
Dividends paid −4.8 −5.2 −6.3 −6.9 −8.7 −9.0 −9.1 −9.7 −10.7 −14.4

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash18.9Total debt74.3Net cash (debt)−55.3Shareholders’ equity120.1Debt to equity0.62Fiscal year 2017Cash34.4Total debt94.6Net cash (debt)−60.2Shareholders’ equity154.0Debt to equity0.61Fiscal year 2018Cash40.9Total debt83.5Net cash (debt)−42.6Shareholders’ equity168.1Debt to equity0.50Fiscal year 2019Cash114.4Total debt66.3Net cash (debt)48.1Shareholders’ equity189.5Debt to equity0.35Fiscal year 2020Cash399.4Total debt53.7Net cash (debt)345.6Shareholders’ equity258.0Debt to equity0.21Fiscal year 2021Cash710.1Total debt34.7Net cash (debt)675.4Shareholders’ equity272.1Debt to equity0.13Fiscal year 2022Cash168.2Total debt21.0Net cash (debt)147.2Shareholders’ equity245.0Debt to equity0.09Fiscal year 2023Cash66.0Total debt195.3Net cash (debt)−129.3Shareholders’ equity277.5Debt to equity0.70Fiscal year 2024Cash47.3Total debt255.3Net cash (debt)−208.1Shareholders’ equity303.3Debt to equity0.84Fiscal year 2025Cash65.6Total debt255.4Net cash (debt)−189.7Shareholders’ equity420.0Debt to equity0.61
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 18.9 34.4 40.9 114.4 399.4 710.1 168.2 66.0 47.3 65.6
Total debt 74.3 94.6 83.5 66.3 53.7 34.7 21.0 195.3 255.3 255.4
Net cash (debt) −55.3 −60.2 −42.6 48.1 345.6 675.4 147.2 −129.3 −208.1 −189.7
Shareholders’ equity 120.1 154.0 168.1 189.5 258.0 272.1 245.0 277.5 303.3 420.0
Debt to equity 0.62 0.61 0.50 0.35 0.21 0.13 0.09 0.70 0.84 0.61

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
n/a n/a n/a n/a n/a n/a 41.3% 34.6% 30.6% 24.2%
n/a n/a n/a n/a n/a n/a 32.8% 27.5% 24.1% 19.3%
n/a n/a n/a n/a n/a n/a 34.3% 34.3% 29.4% 27.4%
Spending
n/a n/a n/a n/a n/a n/a 1.7% 1.0% 0.7% 0.6%
n/a n/a n/a n/a n/a n/a n/a 20.5% 21.2% 20.2%
Returns
9.1% 6.4% 12.9% 12.5% 7.1% 10.2% 14.6% 11.4% 10.5% 8.8%
0.9% 0.6% 1.3% 1.4% 0.7% 1.0% 1.4% 1.3% 1.3% 1.1%
Balance and payout
0.62 0.61 0.50 0.35 0.21 0.13 0.09 0.70 0.84 0.61
90.0% 90.3% 89.8% 89.0% 89.9% 90.2% 90.3% 88.5% 87.3% 87.0%
44.5% 53.5% 28.8% 29.2% 47.2% 32.2% 25.5% 30.6% 33.6% 38.8%
49.5% 34.3% 22.5% 28.5% 35.6% 25.9% 42.3% 29.7% 28.2% 48.6%