NASDAQ · STATE COMMERCIAL BANKS · MID CAP
Acnb Corp. ACNB
17 fiscal years on record · USD · FY2025 reported
SEC FILINGS ONLY8 YEARS OF DIVIDEND GROWTH
Revenue · FY2025
$191.8M
▲ 45.1% vs FY2024
Dividend streak
8 yrs
Raised every year since 2018
EPS · FY25
$3.60
Dividend / sh · FY25
$1.38
Payout · FY25
39%
ROE · FY25
10.2%
Net margin · FY25
19.3%
Dividend coverage
2.6×
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Result
USD 191.8M
Revenue, FY2025 · full 17-year series below
Revenue
Net income
19 cents of every revenue dollar became profit this year.
Per share
USD 3.60
Diluted EPS, FY2025
EPS
Dividend
Earnings covered the dividend 2.6 times — the rest stayed in the company.
Profitability
10.2%
Return on equity, FY2025
ROE
Operating margin24.2%
Net margin19.3%
Return on assets1.3%
Each USD of equity produced 10 cents of profit this year.
Returned to shareholders
USD 24.9M
returned in FY2025 · dividends + net buybacks
Dividends paidUSD 14.4M
Net buybacksUSD 10.5M
Share of profit67.2%
Consecutive raises8 years
USD 14.4M in dividends and USD 10.5M in buybacks — 67% of the year's profit went back to shareholders.
Growth
—
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
Revenue
+20.8%
Net income
+1.2%
+15.0%
+12.9%
+10.4%
EPS, diluted
−4.6%
Dividend / share
+9.2%
+6.7%
+5.6%
+4.1%
Returned to shareholders
+18.2%
+23.5%
+17.8%
+12.1%
Compound annual rates per period — left blank where the series crosses a loss.
Share base
0.01B
Shares outstanding, FY2025
Change, 5 years+19.1%
Change, 10 years+71.7%
The share count grew 19% in five years — the same company, cut into more, smaller slices.
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Balance sheet
USD 3.2B
total assets, end of FY2025
Total assetsUSD 3.2B
EquityUSD 420.0M
CashUSD 65.6M
Gross debtUSD 320.1M
Net debtUSD 254.5M
DepositsUSD 2.5B
Net debt stands at 61% of equity.
History
17 fiscal years
Every figure from documents filed with the SEC · USD
Metric
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
Revenue $B
0.2
0.1
0.1
0.1
·
·
·
·
·
·
·
·
·
·
·
·
·
Operating income $B
0.0
0.0
0.0
0.0
0.0
0.0
·
·
·
·
·
·
·
·
·
·
·
EBITDA $B
0.1
0.0
0.0
0.0
0.0
0.0
·
·
·
·
·
·
·
·
·
·
·
Income tax $B
0.0
0.0
0.0
·
·
·
·
·
·
·
·
·
·
·
·
·
·
Net income $B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
EPS, diluted $
3.60
3.73
3.71
4.15
·
·
·
·
·
·
·
·
·
·
·
·
·
Dividend / sh $
1.38
1.26
1.14
1.06
1.03
1.00
0.98
0.89
0.80
0.80
0.80
0.77
0.76
0.76
0.76
0.76
0.76
Payout %
39
34
31
26
32
47
29
29
53
45
44
45
49
51
53
54
63
ROE %
10.2
11.0
12.1
13.8
10.5
8.2
13.3
13.5
7.1
9.3
9.8
9.5
8.7
·
·
·
·
Shares out B
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
·
Slide the table for earlier years · "·" marks figures not disclosed in the filing for that year.
How we verifyAUDITED
32 of 32
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity
Every figure was compared against the original statement: 0 failures and 0 presentation gaps.
What we don’t show
We’d rather say what’s missing than fill the gap with an estimate.
P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed