ACNB Corporation (ACNB) Earnings History
Growth Compounder32 years of earnings data (1994–2025) · Consistent double-digit EPS growth over 5 years
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ACNB Corporation (ACNB) Earnings Overview
As of June 20, 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, 20.6% 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% |
| 2015 | $11M | +7.1% | $15M | $1.83 | 21.2% | 28.5% |
| 2014 | $10M | +10.5% | $13M | $1.71 | 20.8% | 27.0% |
| 2013 | $9M | +4.8% | $12M | $1.56 | 18.9% | 24.0% |
| 2012 | $9M | +4.5% | $11M | $1.49 | 17.0% | 21.4% |
| 2011 | $9M | +1.0% | $11M | $1.43 | 15.9% | 19.9% |
| 2010 | $8M | +16.6% | $10M | $1.42 | 14.8% | 18.4% |
| 2009 | $7M | +7.0% | $9M | $1.22 | 12.7% | 15.0% |
| 2008 | $7M | -15.0% | $8M | $1.13 | 11.8% | 13.6% |
| 2007 | $8M | +8.9% | $10M | $1.32 | 12.8% | 15.9% |
| 2006 | $7M | -1.2% | $9M | $1.22 | 12.5% | 15.8% |
| 2005 | $7M | -20.8% | $9M | $1.17 | 14.4% | 17.2% |
| 2004 | $9M | -13.6% | $12M | $1.55 | 21.3% | 26.5% |
| 2003 | $11M | +20.9% | $14M | $1.80 | 23.3% | 30.2% |
| 2002 | $9M | +6.8% | $12M | $1.49 | 20.8% | 28.0% |
| 2001 | $8M | +3.0% | $12M | $1.39 | 19.5% | 28.3% |
| 2000 | $8M | +3.5% | $12M | $1.31 | 19.0% | 28.7% |
| 1999 | $8M | +1.3% | $12M | $1.22 | 19.0% | 28.2% |
| 1998 | $8M | +6.9% | $11M | $1.21 | 40.2% | 59.7% |
| 1997 | $7M | +1.7% | $11M | $1.25 | 42.4% | 63.4% |
| 1996 | $7M | +10.1% | $11M | $1.22 | 41.5% | 61.8% |
| 1995 | $6M | -4.6% | $10M | $1.11 | 40.2% | 59.7% |
| 1994 | $7M | - | $10M | $1.15 | 48.7% | 72.3% |
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ACNB — Frequently Asked Questions
Quick answers to the most common questions about buying ACNB stock.
What is ACNB earnings per share (EPS)?
ACNB trailing twelve-month (TTM) diluted EPS is $3.57, reflecting -3.5% year-over-year growth. The 5-year EPS CAGR is +11.1%. Complete EPS history from 1994 to 2025 is available in the table on this page.
What is ACNB Corporation's net income?
ACNB Corporation (ACNB) trailing twelve-month net income is $37M as of 2025. Earnings declined -3.5% year-over-year. ACNB Corporation has been profitable for 32 consecutive years.
Is ACNB profitable?
Yes, ACNB is profitable with a TTM net income of $37M and a net profit margin of +21.7%. ACNB Corporation has generated profits for 32 consecutive years.
What is ACNB's earnings growth rate?
ACNB compound annual EPS growth rates (CAGR): 1-Year: -3.5%, 3-Year: -4.6%, 5-Year: +11.1%, 10-Year: +7.0%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1994 to 2025.
What are ACNB's profit margins?
ACNB Corporation net profit margin is +21.7%, operating margin is +27.3%, and gross margin is +73.7%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +10.2%.
Is ACNB growing earnings?
ACNB earnings growth is slowing. Current YoY EPS growth of -3.5% trails the 5-year CAGR of +11.1%. TTM net income is $37M.
What was ACNB's best earnings year?
ACNB Corporation's highest annual net income on record is $37M, achieved in fiscal year 2025. Earnings history on this page spans 1994 to 2025 and includes all annual and quarterly figures.
What were ACNB's earnings last quarter?
ACNB's most recent reported quarter was Q4 2025. Net income was $11M with diluted EPS of $1.04. For a full breakdown of all quarters, see the quarterly earnings table on this page.