ACNB Corporation (ACNB) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 32.52M | 32.85M | 31.8M | 30.7M | 26.75M | 20.88M | 20.69M | 20.72M | 20.35M | 21.36M | 21.64M | 21.94M | 23.05M | 24.02M | 22.5M | 19.78M | 17.02M | 17.26M | 17.97M | 18.53M |
| NII Growth % | 21.55% | 57.32% | 53.71% | 48.22% | 31.43% | -2.23% | -4.39% | -5.57% | -11.7% | -11.09% | -3.82% | 10.92% | 35.45% | 39.21% | 25.24% | 6.76% | -1.42% | -8.19% | -1.86% | 1.3% |
| Net Interest Margin % | 0.99% | 1.02% | 0.98% | 0.94% | 0.82% | 0.87% | 0.85% | 0.84% | 0.84% | 0.88% | 0.91% | 0.92% | 0.96% | 0.95% | 0.85% | 0.74% | 0.62% | 0.62% | 0.64% | 0.68% |
| Interest Income | 42.23M | 42.86M | 42.16M | 41.27M | 35.95M | 27.15M | 26.99M | 26.62M | 25.73M | 25.15M | 24.13M | 23.16M | 23.87M | 24.87M | 23.36M | 20.67M | 18.04M | 18.58M | 19.45M | 20.59M |
| Interest Expense | 9.72M | 10.01M | 10.35M | 10.56M | 9.2M | 6.27M | 6.3M | 5.91M | 5.38M | 3.79M | 2.49M | 1.22M | 817K | 846K | 862K | 892K | 1.02M | 1.32M | 1.48M | 2.06M |
| Loan Loss Provision | 0 | 553K | -729K | -582K | 5.49M | 293K | 121K | -3.25M | 72K | 544K | 79K | -152K | 373K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Interest Income | 8.27M | 3.18M | 8.74M | 8.99M | 7.52M | 6.03M | 7.08M | 6.67M | 5.91M | 1.1M | 6.39M | 5.92M | 5.03M | 5.03M | 5.87M | 6.1M | 4.49M | 5.73M | 5.31M | 6M |
| Non-Interest Income % | 16.38% | 6.91% | 17.18% | 17.89% | 17.31% | 18.18% | 20.79% | 20.05% | 18.67% | 4.21% | 20.93% | 20.36% | 17.39% | 16.81% | 20.08% | 22.78% | 19.94% | 23.56% | 21.44% | 22.56% |
| Total Revenue | 50.51M | 46.04M | 50.9M | 50.26M | 43.47M | 33.18M | 34.07M | 33.3M | 31.64M | 26.25M | 30.52M | 29.08M | 28.89M | 29.9M | 29.23M | 26.77M | 22.54M | 24.31M | 24.76M | 26.59M |
| Revenue Growth % | 16.18% | 38.74% | 49.38% | 50.94% | 37.4% | 26.4% | 11.66% | 14.48% | 9.51% | -12.18% | 4.4% | 8.64% | 28.21% | 22.99% | 18.08% | 0.69% | -10.87% | -11.08% | -6% | 0.42% |
| Non-Interest Expense | 23.53M | 22.3M | 22.36M | 25.37M | 29.34M | 18.39M | 18.24M | 16.39M | 17.66M | 17.17M | 16.32M | 15.96M | 16.28M | 16.25M | 15.32M | 15.01M | 13.28M | 17.46M | 13.98M | 13.73M |
| Efficiency Ratio | 46.58% | 48.44% | 43.93% | 50.47% | 67.48% | 55.41% | 53.54% | 49.23% | 55.82% | 65.41% | 53.48% | 54.87% | 56.35% | 54.36% | 52.41% | 56.05% | 58.94% | 71.82% | 56.46% | 51.64% |
| Operating Income | 17.26M | 13.18M | 18.92M | 14.91M | -549K | 8.23M | 9.41M | 14.25M | 8.53M | 4.75M | 11.63M | 12.05M | 11.42M | 12.8M | 13.05M | 10.87M | 8.23M | 5.53M | 9.3M | 10.79M |
| Operating Margin % | 34.18% | 28.62% | 37.16% | 29.67% | -1.26% | 24.81% | 27.62% | 42.79% | 26.95% | 18.08% | 38.1% | 41.45% | 39.53% | 42.81% | 44.64% | 40.62% | 36.52% | 22.73% | 37.56% | 40.6% |
| Operating Income Growth % | 3244.44% | 60.03% | 101.02% | 4.64% | -106.44% | 73.49% | -19.07% | 18.2% | -25.35% | -62.92% | -10.9% | 10.86% | 38.77% | 131.6% | 40.34% | 0.74% | -12.46% | -37.11% | 9.16% | 49.23% |
| Pretax Income | 17.26M | 13.18M | 18.92M | 14.91M | -549K | 8.23M | 9.41M | 14.25M | 8.53M | 4.75M | 11.63M | 12.05M | 11.42M | 12.8M | 13.05M | 10.87M | 8.23M | 5.53M | 9.3M | 10.79M |
| Pretax Margin % | 34.18% | 28.62% | 37.16% | 29.67% | -1.26% | 24.81% | 27.62% | 42.79% | 26.95% | 18.08% | 38.1% | 41.45% | 39.53% | 42.81% | 44.64% | 40.62% | 36.52% | 22.73% | 37.56% | 40.6% |
| Income Tax | 3.56M | 2.37M | 4.05M | 3.26M | -277K | 1.64M | 2.21M | 2.97M | 1.76M | 649K | 2.58M | 2.53M | 2.4M | 2.6M | 2.73M | 2.24M | 1.63M | 1.03M | 1.94M | 2.29M |
| Effective Tax Rate % | 20.62% | 18% | 21.39% | 21.88% | 50.46% | 19.91% | 23.44% | 20.84% | 20.62% | 13.67% | 22.22% | 21% | 21% | 20.31% | 20.88% | 20.64% | 19.82% | 18.66% | 20.84% | 21.18% |
| Net Income | 13.7M | 10.8M | 14.87M | 11.65M | -272K | 6.59M | 7.2M | 11.28M | 6.77M | 4.1M | 9.04M | 9.52M | 9.02M | 10.2M | 10.32M | 8.63M | 6.6M | 4.5M | 7.36M | 8.51M |
| Net Margin % | 27.13% | 23.47% | 29.21% | 23.18% | -0.63% | 19.87% | 21.14% | 33.87% | 21.39% | 15.61% | 29.64% | 32.75% | 31.23% | 34.11% | 35.32% | 32.24% | 29.28% | 18.49% | 29.73% | 32% |
| Net Income Growth % | 5137.87% | 63.84% | 106.41% | 3.27% | -104.02% | 60.97% | -20.34% | 18.43% | -24.99% | -59.83% | -12.4% | 10.36% | 36.73% | 126.9% | 40.27% | 1.43% | -11.67% | -36.23% | 8.7% | 46.77% |
| Net Income (Continuing) | 13.7M | 10.8M | 14.87M | 11.65M | -272K | 6.59M | 7.2M | 11.28M | 6.77M | 4.1M | 9.04M | 9.52M | 9.02M | 10.2M | 10.32M | 8.63M | 6.6M | 4.5M | 7.36M | 8.51M |
| EPS (Diluted) | 1.32 | 1.04 | 1.42 | 1.11 | -0.03 | 0.77 | 0.84 | 1.32 | 0.80 | 0.48 | 1.06 | 1.12 | 1.06 | 1.20 | 1.20 | 0.99 | 0.76 | 0.52 | 0.84 | 0.98 |
| EPS Growth % | 4865.34% | 35.06% | 69.05% | -15.91% | -103.46% | 60.42% | -20.75% | 17.86% | -24.53% | -60% | -11.67% | 13.13% | 39.47% | 130.77% | 42.86% | 1.02% | -11.63% | -35.8% | 6.33% | 46.27% |
| EPS (Basic) | 1.32 | 1.04 | 1.43 | 1.11 | -0.03 | 0.77 | 0.85 | 1.32 | 0.80 | 0.48 | 1.06 | 1.12 | 1.06 | 1.20 | 1.20 | 0.99 | 0.76 | 0.52 | 0.84 | 0.98 |
| Diluted Shares Outstanding | 10.37M | 10.39M | 10.46M | 10.49M | 9.82M | 8.54M | 8.55M | 8.54M | 8.51M | 8.51M | 8.55M | 8.52M | 8.52M | 8.52M | 8.59M | 8.71M | 8.68M | 8.68M | 8.72M | 8.72M |