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MARKETS / NASDAQ / ACNB
NASDAQ · STATE COMMERCIAL BANKS · MID CAP

Acnb Corp. ACNB

17 fiscal years on record · USD · FY2025 reported · SEC filings only
8 YEARS OF DIVIDEND GROWTH
$191.8M
▲ 45.1% YoY
$37.1M
▲ 16.3% YoY
$52.6M
▲ 35.4% YoY
In brief

What this company does

ACNB Corporation provides banking, mortgage and wealth management services, including trust and retail brokerage, through a network of 33 community banking offices and two loan offices in counties of Pennsylvania and Maryland, and provides property, casualty, health, life and disability insurance to personal and commercial clients through offices in Westminster, Maryland, and Gettysburg, Pennsylvania. ACNB Insurance Services is managed separately from the Bank and is reported as a separate operating segment. As of December 31, 2025, ACNB had 501 full-time and 36 part-time employees. Through ACNB Wealth Management, the Bank provides trust and investment services, including estate settlement, testamentary trusts, life insurance trusts, charitable remainder trusts, guardianships, powers of attorney, and custodial accounts, with total trust assets under management and administration of $444.8 million and $24.1 million, respectively, at December 31, 2025. ACNB Corporation was formed in 1982, and became the bank holding company for ACNB Bank, formerly Adams County National Bank, in 1983. ACNB Bank was originally founded in 1857. ACNB Insurance Services was founded as an independent insurance agency by Frank C. Russell, Jr. in 1978, and the agency was purchased by the Corporation in 2005.

Written from the business description in ACNB CORP's annual report to the U.S. Securities and Exchange Commission, filed 12 March 2026. Every sentence was checked against that document before publication.

Growth
USD 191.8M
Revenue, FY2025 · full 17-year series below
Revenue $M Net income $M
FY2025 · Revenue 191.8 · Net income 37.1
80M160M200920112013201520172019202120232025
Compound annual growth
+20.8%
+1.2%
+15.0%
+12.9%
+10.4%
−4.6%
+9.2%
+6.7%
+5.6%
+4.1%
+18.2%
+23.5%
+17.8%
+12.1%
3 yrs
5 yrs
10 yrs
15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
19 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 24.2% · Net 19.3%
20%40%200920112013201520172019202120232025
ROE
FY2025 · ROE 10.2%
5%10%200920112013201520172019202120232025

Each USD of equity produced 10 cents of profit this year.

Cash & shareholders
USD 24.9M
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 52.6
20M40M200920112013201520172019202120232025
Net buybacks $M Dividends $M
FY2025 · Dividends 14.4 · Net buybacks 10.5
10M20MDividendsNet buybacks200920112013201520172019202120232025

USD 14.4M in dividends and USD 10.5M in buybacks — 67% of the year's profit went back to shareholders.

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.

The 17-year record
17 fiscal years
Every figure from documents filed with the SEC · USD
row low → row highnegative
Metric 20252024202320222021202020192018201720162015201420132012201120102009
Revenue $B0.20.10.10.1·············
Operating income $B0.00.00.00.00.00.0···········
EBITDA $B0.10.00.00.00.00.0···········
Income tax $B0.00.00.0··············
Net income $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Free cash flow $B0.10.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
EPS, diluted $3.603.733.714.15·············
Dividend / sh $1.381.261.141.061.031.000.980.890.800.800.800.770.760.760.760.760.76
Payout %3934312632472929534544454951535463
ROE %10.211.012.113.810.58.213.313.57.19.39.89.58.7····
Shares out B0.010.010.010.010.010.010.010.010.010.010.010.010.010.010.010.01·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 49 reconciliationsAUDITED

Reconciled in 17 of 19 fiscal years. 8 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivityState Commercial Banks
Listed onNASDAQ
Incorporated inPennsylvania
Fiscal year endsDecember 31
Data on record since2009

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