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ACNB Corporation(ACNB)Earnings, Financials & Key Ratios
ACNB•NASDAQ•Banking & Credit
15.9× P/E·Price updated Jun 19, 2026
AboutACNB Corporation, a financial holding company, provides 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 include personal residential mortgages, and residential construction and investment mortgage loans. In addition, the company provides other services that are related to testamentary trusts, life insurance trusts, charitable remainder trusts, guardianships, powers of attorney, custodial accounts, and investment management and advisory accounts; and retail brokerage services. Further, it acts as a trustee to invest in, protect, manage, and distribute financial assets. Additionally, the company offers property and casualty, health, life, and disability insurance products to commercial and individual clients; and online, telephone, and mobile banking, as well as automated teller machine services. As of December 31, 2021, it operated through a network of 19 community banking offices located in Pennsylvania, including 12 offices in Adams county, five offices in York county, one office in Cumberland County, and one office in Franklin County; five community banking offices located in Frederick County; six community banking offices located in Carroll county, Maryland; and loan offices located in Lancaster and York, Pennsylvania, and Hunt Valley, Maryland. The company was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.Show more
- Net Interest Income$123M+48.9%
- Total Revenue$170M+28.9%
- Net Income$37M+16.3%
- Return on Equity10.25%-6.6%
- Net Interest Margin3.81%+10.5%
- Efficiency Ratio46.41%-13.2%
- ROA1.32%-0.4%
- Equity / Assets13.01%+2.7%
- Book Value per Share40.81+14.9%
ACNB Key Insights
ACNB Corporation (ACNB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 15.0%
- ✓Strong NIM of 3.8%
- ✓Efficient operations: 46.4% efficiency ratio
- ✓Well capitalized: 13.0% equity/assets
- ✓Healthy dividend yield of 2.4%
- ✓Trading near 52-week high
✗Weaknesses
- ✗Shares diluted 20.5% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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ACNB Price & Volume
ACNB Corporation (ACNB) stock price & volume — 10-year historical chart
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ACNB Growth Metrics
ACNB Corporation (ACNB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years12.63%
5 Years10.09%
3 Years16.26%
TTM-
Profit CAGR
10 Years12.89%
5 Years15.03%
3 Years1.2%
TTM16.34%
EPS CAGR
10 Years7%
5 Years11.07%
3 Years-4.63%
TTM-5.03%
Return on Capital
10 Years8.84%
5 Years9.1%
3 Years6.69%
Last Year2.48%
ACNB Recent Earnings
ACNB Corporation (ACNB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (55%)●Beat Revenue 9/12 qtrs (82%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$1.32+4.8%
$1.26
Rev
$40M+1.1%
$40M
Q2 2026
Mar 12, 2026Metric
Actual
Est
EPS
$1.04
—
Rev
$46M
—
Q1 2026
Jan 22, 2026Metric
Actual
Est
EPS
$1.35+7.1%
$1.26
Rev
$41M+2.6%
$40M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$1.42+18.3%
$1.20
Rev
$51M+29.8%
$39M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $1.32vs $1.26+4.8% | $40Mvs $40M+1.1% |
| Q2 2026 | Mar 12, 2026 | $1.04 | $46M |
| Q1 2026 | Jan 22, 2026 | $1.35vs $1.26+7.1% | $41Mvs $40M+2.6% |
| Q4 2025 | Oct 23, 2025 | $1.42vs $1.20+18.3% | $51Mvs $39M+29.8% |
Based on last 12 quarters of dataView full earnings history →
ACNB Peer Comparison
ACNB Corporation (ACNB) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CZWI | 205.47M | 21.34 | 14.62 | -9.41% | 16.01% | 7.81% | 0.28 | |
 FUNC | 276.83M | 42.58 | 11.29 | 6.6% | 20.51% | 12.61% | 0.56 | |
 NKSH | 224.8M | 35.30 | 14.18 | 7.88% | 18.57% | 9.04% | 0.01 | |
 FXNC | 265.44M | 29.36 | 14.98 | 27.11% | 15.35% | 9.98% | 0.23 | |
 MNSB | 175.75M | 23.86 | 13.56 | -1.44% | 11.53% | 7.26% | 0.32 | |
 ORRF | 765.76M | 39.03 | 8.97 | 24.56% | 22.85% | 14.41% | 0.57 | |
 FRAF | 276.03M | 61.45 | 12.96 | 17.32% | 16.02% | 13.06% | 1.23 | |
 HAFC | 932.95M | 31.21 | 12.43 | 3.55% | 17.12% | 9.85% | 0.35 |
Compare ACNB vs Peers
ACNB Corporation (ACNB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
ACNB Income Statement
ACNB Corporation (ACNB) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 46.1M | 56.8M | 59.09M | 72.76M | 71.01M | 83.32M | 87.99M | 82.64M | 123.09M |
NII Growth % | 26.81% | 23.2% | 4.04% | 23.13% | -2.4% | 17.33% | 5.6% | -6.08% | 48.95% |
Net Interest Margin % | 2.89% | 3.45% | 3.43% | 2.85% | 2.55% | 3.3% | 3.64% | 3.45% | 3.81% |
Interest Income | 51.53M | 64.19M | 69.23M | 84.98M | 77.93M | 86.94M | 96.31M | 106.5M | 163.21M |
Interest Expense | 5.43M | 7.4M | 10.14M | 12.22M | 6.92M | 3.62M | 8.32M | 23.85M | 40.12M |
Loan Loss Provision | 0 | 1.62M | 600K | 9.14M | 50K | 0 | 844K | -2.76M | 4.73M |
Non-Interest Income | 14.4M | 16.25M | 18.5M | 20.4M | 23.01M | 21.49M | 18.44M | 25.7M | 7.17M |
Non-Interest Income % | 21.84% | 20.2% | 21.08% | 19.36% | 22.79% | 19.82% | 16.07% | 19.44% | 4.21% |
Total Revenue | 65.93M▲ 0% | 80.44M▲ 22.0% | 87.73M▲ 9.1% | 105.38M▲ 20.1% | 100.94M▼ 4.2% | 108.44M▲ 7.4% | 114.75M▲ 5.8% | 132.19M▲ 15.2% | 170.38M▲ 28.9% |
Revenue Growth % | 23.8% | 22% | 9.06% | 20.12% | -4.22% | 7.43% | 5.82% | 15.2% | 28.89% |
Non-Interest Expense | 44.08M | 44.7M | 47.62M | 61.32M | 58.95M | 59.86M | 65.73M | 70.69M | 79.08M |
Efficiency Ratio | 66.85% | 55.57% | 54.28% | 58.19% | 58.4% | 55.2% | 57.29% | 53.47% | 46.41% |
Operating Income | 16.42M▲ 0% | 26.72M▲ 62.7% | 29.37M▲ 9.9% | 22.7M▼ 22.7% | 35.02M▲ 54.3% | 44.95M▲ 28.4% | 39.85M▼ 11.4% | 40.42M▲ 1.4% | 46.45M▲ 14.9% |
Operating Margin % | 24.91% | 33.22% | 33.47% | 21.54% | 34.69% | 41.45% | 34.73% | 30.58% | 27.26% |
Operating Income Growth % | 12.2% | 62.71% | 9.9% | -22.69% | 54.26% | 28.36% | -11.35% | 1.43% | 14.93% |
Pretax Income | 16.42M▲ 0% | 26.72M▲ 62.7% | 29.37M▲ 9.9% | 22.7M▼ 22.7% | 35.02M▲ 54.3% | 44.95M▲ 28.4% | 39.85M▼ 11.4% | 40.42M▲ 1.4% | 46.45M▲ 14.9% |
Pretax Margin % | 24.91% | 33.22% | 33.47% | 21.54% | 34.69% | 41.45% | 34.73% | 30.58% | 27.26% |
Income Tax | 6.63M | 4.97M | 5.64M | 4.31M | 7.18M | 9.2M | 8.16M | 8.57M | 9.4M |
Effective Tax Rate % | 40.4% | 18.61% | 19.22% | 18.98% | 20.52% | 20.46% | 20.48% | 21.21% | 20.24% |
Net Income | 9.79M▲ 0% | 21.75M▲ 122.2% | 23.72M▲ 9.1% | 18.39M▼ 22.5% | 27.83M▲ 51.3% | 35.75M▲ 28.4% | 31.69M▼ 11.4% | 31.85M▲ 0.5% | 37.05M▲ 16.3% |
Net Margin % | 14.85% | 27.04% | 27.04% | 17.45% | 27.58% | 32.97% | 27.62% | 24.09% | 21.75% |
Net Income Growth % | -9.95% | 122.19% | 9.07% | -22.46% | 51.32% | 28.45% | -11.37% | 0.5% | 16.34% |
Net Income (Continuing) | 9.79M | 21.75M | 23.72M | 18.39M | 27.83M | 35.75M | 31.69M | 31.85M | 37.05M |
EPS (Diluted) | 1.50▲ 0% | 3.09▲ 106.0% | 3.36▲ 8.7% | 2.13▼ 36.6% | 3.19▲ 49.8% | 4.15▲ 30.1% | 3.71▼ 10.6% | 3.73▲ 0.5% | 3.60▼ 3.5% |
EPS Growth % | -16.67% | 106% | 8.74% | -36.61% | 49.77% | 30.09% | -10.6% | 0.54% | -3.49% |
EPS (Basic) | 1.50 | 3.09 | 3.36 | 2.13 | 3.19 | 4.15 | 3.72 | 3.75 | 3.61 |
Diluted Shares Outstanding | 6.54M | 7.04M | 7.06M | 8.64M | 8.71M | 8.52M | 8.54M | 8.54M | 10.29M |
ACNB Balance Sheet
ACNB Corporation (ACNB) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 193.49M | 202.63M | 305.19M | 737.07M | 1.15B | 721.72M | 517.65M | 64.85M | 20.61M |
Cash & Due from Banks | 34.44M | 40.91M | 114.36M | 399.35M | 710.13M | 168.16M | 65.96M | 47.26M | 20.61M |
Short Term Investments | 157.27M | 161.73M | 190.84M | 337.72M | 437.1M | 553.55M | 451.69M | 17.59M | 0 |
Total Investments | 1.44B | 1.48B | 1.48B | 1.98B | 1.9B | 2.15B | 2.13B | 2.13B | 2.93B |
Investments Growth % | 31.12% | 2.99% | -0.44% | 34.23% | -4.04% | 12.92% | -0.89% | -0.01% | 37.61% |
Long-Term Investments | 1.28B | 1.32B | 1.28B | 1.64B | 1.46B | 1.59B | 1.67B | 2.11B | 2.93B |
Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Goodwill & Intangibles | 22.15M | 23.99M | 24.01M | 49.37M | 48.21M | 54.52M | 53.27M | 52.02M | 86.88M |
Goodwill | 19.58M | 19.58M | 19.58M | 42.11M | 42.11M | 44.19M | 44.19M | 44.19M | 64.45M |
Intangible Assets | 2.57M | 4.41M | 4.43M | 7.26M | 6.1M | 10.33M | 9.08M | 7.84M | 22.43M |
PP&E (Net) | 26.77M | 26.41M | 29.23M | 36.16M | 34.25M | 30.21M | 28.9M | 28.12M | 34.8M |
Other Assets | 73.38M | 74.65M | 77.44M | 90.33M | 94.3M | 126.97M | 144.2M | 141.02M | 159.64M |
Total Current Assets | 193.49M | 202.63M | 305.19M | 737.07M | 1.15B | 721.72M | 517.65M | 64.85M | 20.61M |
Total Non-Current Assets | 1.4B | 1.45B | 1.42B | 1.82B | 1.64B | 1.8B | 1.9B | 2.33B | 3.21B |
Total Assets | 1.6B▲ 0% | 1.65B▲ 3.3% | 1.72B▲ 4.4% | 2.56B▲ 48.5% | 2.79B▲ 9.1% | 2.53B▼ 9.4% | 2.42B▼ 4.2% | 2.39B▼ 1.0% | 3.23B▲ 34.8% |
Asset Growth % | 32.26% | 3.28% | 4.4% | 48.55% | 9.06% | -9.38% | -4.22% | -0.99% | 34.8% |
Return on Assets (ROA) | 0.7% | 1.34% | 1.41% | 0.86% | 1.04% | 1.35% | 1.28% | 1.32% | 1.32% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 131.51M | 118.16M | 103.98M | 95.35M | 73.17M | 66.12M | 254.79M | 273.92M | 329.02M |
Net Debt | 97.07M | 77.26M | -10.37M | -304M | -636.96M | -102.05M | 188.83M | 226.66M | 308.41M |
Long-Term Debt | 94.6M | 83.52M | 66.3M | 53.74M | 34.7M | 21M | 195.29M | 255.33M | 259.83M |
Short-Term Debt | 36.91M | 34.65M | 34.19M | 38.46M | 35.2M | 41.95M | 56.88M | 15.83M | 64.74M |
Other Liabilities | 11.47M | 13.33M | 14.49M | 16.52M | 15.31M | 15.37M | 24.78M | 25.13M | 2.48B |
Total Current Liabilities | 1.34B | 1.38B | 1.45B | 2.22B | 2.46B | 2.24B | 1.92B | 1.81B | 64.74M |
Total Non-Current Liabilities | 106.07M | 96.85M | 84.29M | 73.4M | 53.28M | 39.54M | 222.69M | 283.23M | 2.74B |
Total Liabilities | 1.44B | 1.48B | 1.53B | 2.3B | 2.51B | 2.28B | 2.14B | 2.09B | 2.81B |
Total Equity | 153.97M▲ 0% | 168.14M▲ 9.2% | 189.52M▲ 12.7% | 257.97M▲ 36.1% | 272.11M▲ 5.5% | 245.04M▼ 9.9% | 277.46M▲ 13.2% | 303.27M▲ 9.3% | 419.97M▲ 38.5% |
Equity Growth % | 28.24% | 9.2% | 12.72% | 36.12% | 5.48% | -9.95% | 13.23% | 9.3% | 38.48% |
Equity / Assets (Capital Ratio) | 9.65% | 10.2% | 11.02% | 10.1% | 9.76% | 9.7% | 11.47% | 12.66% | 13.01% |
Return on Equity (ROE) | 7.14% | 13.5% | 13.26% | 8.22% | 10.5% | 13.83% | 12.13% | 10.97% | 10.25% |
Book Value per Share | 23.53 | 23.90 | 26.84 | 29.86 | 31.22 | 28.78 | 32.50 | 35.52 | 40.81 |
Tangible BV per Share | 20.14 | 20.49 | 23.44 | 24.15 | 25.69 | 22.37 | 26.26 | 29.43 | 32.37 |
Common Stock | 17.72M | 17.77M | 17.86M | 21.92M | 21.98M | 22.09M | 22.23M | 22.36M | 27.56M |
Additional Paid-in Capital | 37.78M | 38.45M | 39.58M | 94.05M | 94.69M | 96.02M | 97.6M | 99.16M | 179.66M |
Retained Earnings | 106.29M | 121.86M | 138.66M | 148.37M | 167.24M | 193.87M | 213.49M | 234.62M | 257.29M |
Accumulated OCI | -7.09M | -9.22M | -5.85M | -5.64M | -9.54M | -58.01M | -44.91M | -41.67M | -22.17M |
Treasury Stock | -728K | -728K | -728K | -728K | -2.25M | -8.93M | -10.95M | -11.2M | -22.37M |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
ACNB Cash Flow Statement
ACNB Corporation (ACNB) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 17.01M | 29.54M | 25.72M | 25.47M | 42.13M | 39.2M | 40.6M | 39.78M | 53.64M |
Operating CF Growth % | 40.31% | 73.72% | -12.93% | -0.98% | 65.39% | -6.94% | 3.57% | -2.02% | 34.84% |
Net Income | 9.79M | 21.75M | 23.72M | 18.39M | 27.83M | 35.75M | 31.69M | 31.85M | 37.05M |
Depreciation & Amortization | 2.29M | 2.85M | 2.7M | 3.65M | 3.44M | 3.8M | 3.36M | 3.03M | 7.93M |
Deferred Taxes | 1.71M | 557K | 120K | -1.04M | 0 | 0 | 0 | 0 | 3.63M |
Other Non-Cash Items | -2.26M | 2M | -2.69M | 5.23M | 8.51M | 2.85M | 4.38M | -3.25M | -5.5M |
Working Capital Changes | 5.35M | 2.2M | 1.56M | -1.19M | 1.98M | -3.92M | 164K | 6.89M | 9.13M |
Cash from Investing | -51.95M | -53.62M | 8.02M | -114.85M | 60.52M | -331.72M | 15.44M | 2.43M | 64.65M |
Purchase of Investments | -30.14M | -39.13M | -45.34M | -218.03M | -216.79M | -306.75M | -48.84M | 0 | -183.04M |
Sale/Maturity of Investments | 45.08M | 51.05M | 27.18M | 105.41M | 109.18M | 66.47M | 159.52M | 59.77M | 230.37M |
Net Investment Activity | 14.95M | 11.92M | -18.15M | -112.62M | -107.61M | -240.27M | 110.69M | 59.77M | 47.33M |
Acquisitions | 6.44M | -2.58M | -640K | 34.72M | 0 | -7.38M | -174K | 0 | 0 |
Other Investing | -71.59M | -61.21M | 28.24M | -35.9M | 169.7M | -82.26M | -93.91M | -56.38M | 18.39M |
Cash from Financing | 50.46M | 30.54M | 39.71M | 374.37M | 208.13M | -249.45M | -158.24M | -60.91M | -99.9M |
Dividends Paid | -5.23M | -6.26M | -6.92M | -8.69M | -8.97M | -9.12M | -9.7M | -10.71M | -14.38M |
Share Repurchases | 0 | 0 | 0 | 0 | -1.52M | -6.68M | -2.03M | -249K | -11.16M |
Stock Issued | 482K | 541K | 892K | 824K | 60K | 713K | 721K | 424K | 642K |
Net Stock Activity | 482K | 541K | 892K | 824K | -1.46M | -5.97M | -1.31M | 175K | -10.52M |
Debt Issuance (Net) | 1000K | -1000K | -1000K | -1000K | -1000K | -1000K | 1000K | 1000K | 1000K |
Other Financing | 37.54M | 49.6M | 64.17M | 399.21M | 240.86M | -227.41M | -337.16M | -69.31M | -83.73M |
Net Change in Cash | 15.51M▲ 0% | 6.46M▼ 58.3% | 73.45M▲ 1036.3% | 285M▲ 288.0% | 310.78M▲ 9.0% | -541.97M▼ 274.4% | -102.2M▲ 81.1% | -18.7M▲ 81.7% | 18.39M▲ 198.3% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 18.93M | 34.44M | 40.91M | 114.36M | 399.35M | 710.13M | 168.16M | 65.96M | 47.26M |
Cash at End | 34.44M | 40.91M | 114.36M | 399.35M | 710.13M | 168.16M | 65.96M | 47.26M | 65.65M |
Interest Paid | 5.11M | 7.2M | 8.83M | 13.6M | 8.24M | 3.68M | 7.16M | 23.1M | 39.49M |
Income Taxes Paid | 3.85M | 4.6M | 5.2M | 5.9M | 7.4M | 7.22M | 10.03M | 6.63M | 5.33M |
Free Cash Flow | 15.25M▲ 0% | 27.8M▲ 82.3% | 24.3M▼ 12.6% | 24.42M▲ 0.5% | 40.55M▲ 66.0% | 37.39M▼ 7.8% | 39.43M▲ 5.5% | 38.82M▼ 1.6% | 52.57M▲ 35.4% |
FCF Growth % | 55.98% | 82.3% | -12.6% | 0.51% | 66.04% | -7.79% | 5.47% | -1.55% | 35.41% |
ACNB Banking Ratios
ACNB Corporation (ACNB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 9.26% | 7.14% | 13.5% | 13.26% | 8.22% | 10.5% | 13.83% | 12.13% | 10.97% | 10.25% |
Return on Assets (ROA) | 0.92% | 0.7% | 1.34% | 1.41% | 0.86% | 1.04% | 1.35% | 1.28% | 1.32% | 1.32% |
Net Interest Margin | 3.01% | 2.89% | 3.45% | 3.43% | 2.85% | 2.55% | 3.3% | 3.64% | 3.45% | 3.81% |
Efficiency Ratio | 65.13% | 66.85% | 55.57% | 54.28% | 58.19% | 58.4% | 55.2% | 57.29% | 53.47% | 46.41% |
Equity / Assets | 9.95% | 9.65% | 10.2% | 11.02% | 10.1% | 9.76% | 9.7% | 11.47% | 12.66% | 13.01% |
Book Value / Share | 19.84 | 23.53 | 23.9 | 26.84 | 29.86 | 31.22 | 28.78 | 32.5 | 35.52 | 40.81 |
NII Growth | 2.97% | 26.81% | 23.2% | 4.04% | 23.13% | -2.4% | 17.33% | 5.6% | -6.08% | 48.95% |
Dividend Payout | 44.53% | 53.46% | 28.79% | 29.17% | 47.22% | 32.22% | 25.5% | 30.62% | 33.64% | 38.82% |
Related:ACNB Dividend History·ACNB Revenue History·ACNB Price History·ACNB P/E History·ACNB Financial Ratios·ACNB Institutional Holders
ACNB SEC Filings & Documents
ACNB Corporation (ACNB) SEC filings — annual & quarterly reports (10-K, 10-Q)
ACNB Frequently Asked Questions
ACNB Corporation (ACNB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
ACNB Corporation (ACNB) grew revenue by 28.9% over the past year. This is strong growth.
Yes, ACNB Corporation (ACNB) is profitable, generating $37.1M in net income for fiscal year 2025 (21.7% net margin).
Dividend & Returns
Yes, ACNB Corporation (ACNB) pays a dividend with a yield of 2.44%. This makes it attractive for income-focused investors.
ACNB Corporation (ACNB) has a return on equity (ROE) of 10.2%. This is reasonable for most industries.
Industry Metrics
ACNB Corporation (ACNB) has a net interest margin (NIM) of 3.8%. This indicates healthy earnings from lending activities.
ACNB Corporation (ACNB) has an efficiency ratio of 46.4%. This is excellent, indicating strong cost control.