ACNB Corporation (ACNB) Earnings History
Annual and quarterly earnings data from 1994 to 2025
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ACNB EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
ACNB Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 73.7% | 27.3% | 21.7% |
| 2024 | 84.0% | 30.6% | 24.1% |
| 2023 | 92.0% | 34.7% | 27.6% |
| 2022 | 96.7% | 41.5% | 33.0% |
| 2021 | 93.1% | 34.7% | 27.6% |
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ACNB Corporation (ACNB) Earnings Overview
As of May 6, 2026, ACNB Corporation (ACNB) reported trailing twelve-month net income of $37M, reflecting -3.5% year-over-year growth. The company earned $3.57 per diluted share over the past four quarters, with a net profit margin of 21.7%.
Looking at the long-term picture, ACNB's 5-year EPS compound annual growth rate (CAGR) stands at +11.1%, showing solid earnings momentum. The company achieved its highest annual net income of $37M in fiscal 2025, representing a new all-time high.
ACNB Corporation maintains industry-leading profitability with a gross margin of 73.7%, operating margin of 27.3%, and net margin of 21.7%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including CZWI ($14M net income, 16.0% margin), FUNC ($25M net income, 18.4% margin), NKSH ($16M net income, 18.6% margin), ACNB has outperformed on profitability metrics. Compare ACNB vs CZWI →
ACNB Earnings vs Peers
Earnings metrics vs comparable public companies
ACNB Historical Earnings Data (1994–2025)
32 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $37M | +16.3% | $46M | $3.60 | 21.7% | 27.3% |
| 2024 | $32M | +0.5% | $40M | $3.73 | 24.1% | 30.6% |
| 2023 | $32M | -11.4% | $40M | $3.71 | 27.6% | 34.7% |
| 2022 | $36M | +28.4% | $45M | $4.15 | 33.0% | 41.5% |
| 2021 | $28M | +51.3% | $35M | $3.19 | 27.6% | 34.7% |
| 2020 | $18M | -22.5% | $23M | $2.13 | 17.5% | 21.5% |
| 2019 | $24M | +9.1% | $29M | $3.36 | 27.0% | 33.5% |
| 2018 | $22M | +122.2% | $27M | $3.09 | 27.0% | 33.2% |
| 2017 | $10M | -9.9% | $16M | $1.50 | 14.8% | 24.9% |
| 2016 | $11M | -1.3% | $15M | $1.80 | 20.4% | 27.5% |
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Start ComparisonACNB — Frequently Asked Questions
Quick answers to the most common questions about buying ACNB stock.
Is ACNB growing earnings?
ACNB EPS of $3.57 reflects slowing growth at -3.5%, below the 5-year CAGR of +11.1%. TTM net income is $37M. Expansion rate has moderated.
What are ACNB's profit margins?
ACNB Corporation net margin is +21.7%, with operating margin at +27.3%. Above-average margins indicate pricing power.
How consistent are ACNB's earnings?
ACNB earnings data spans 1994-2025. The current earnings trend is -3.5% YoY. Historical data enables comparison across business cycles.