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ACNB Corporation, a financial holding company, offers 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 that include personal residential mortgages, residential construction loans, and investment mortgage loans. In addition, the company offers other services that are related to testamentary trusts, life insurance trusts, charitable, guardianships, powers of attorney, custodial accounts, investment management and advisory accounts, wealth management, and retail brokerage and services. Further, the company offers property and casualty, health, life, and disability insurance products to commercial and personal clients; online, telephone, and mobile banking; as well as automated teller machine services. ACNB Corporation was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $152M | - | $37M | $53M | 8.8% | 40.0% | 16.3% |
| 2024 | $108M | - | $32M | $39M | 10.5% | 1.8% | 0.5% |
| 2023 | $106M | - | $32M | $39M | 11.4% | 1.5% | -11.4% |
| 2022 | $105M | - | $36M | $37M | 14.6% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 104.81 | 106.43 | 108.34 | 151.70 |
| Pretax Income | 44.95 | 39.85 | 40.42 | 46.45 |
| Tax Provision | 9.20 | 8.16 | 8.57 | 9.40 |
| Net Income | 35.75 | 31.69 | 31.85 | 37.05 |
| Net Income Common Stockholders | 35.75 | 31.69 | 31.85 | 37.05 |
| Interest Expense | 3.62 | 8.32 | 23.85 | 40.12 |
| Interest Income | 86.94 | 96.31 | 106.50 | 161.91 |
| Selling General And Administration | 37.11 | 42.32 | 44.35 | 54.53 |
| Normalized Income | 35.42 | 31.42 | 33.46 | 45.60 |
| Basic EPS | 4.15 | 3.72 | 3.75 | 0 |
| Diluted EPS | 4.15 | 3.71 | 3.73 | 0 |
| Tax Effect Of Unusual Items | 0.09 | 0.07 | -0.43 | -2.17 |
| Tax Rate For Calcs | 0.20 | 0.20 | 0.21 | 0.20 |
| Total Unusual Items | 0.42 | 0.34 | -2.04 | -10.72 |
| Total Unusual Items Excluding Goodwill | 0.42 | 0.34 | -2.04 | -10.72 |
| Net Income From Continuing Operation Net Minority Interest | 35.75 | 31.69 | 31.85 | 37.05 |
| Reconciled Depreciation | 3.80 | 3.36 | 3.03 | 6.74 |
| Net Interest Income | 83.32 | 87.99 | 82.64 | 121.79 |
| Net Income From Continuing And Discontinued Operation | 35.75 | 31.69 | 31.85 | 37.05 |
| Diluted Average Shares | 8.52 | 8.54 | 8.54 | 0 |
| Basic Average Shares | 8.52 | 8.52 | 8.50 | 0 |
| Diluted NI Availto Com Stockholders | 35.75 | 31.69 | 31.85 | 37.05 |
| Net Income Including Noncontrolling Interests | 35.75 | 31.69 | 31.85 | 37.05 |
| Net Income Continuous Operations | 35.75 | 31.69 | 31.85 | 37.05 |
| Special Income Charges | 0.42 | 0.34 | -2.04 | -10.72 |
| Gain On Sale Of Business | 0.42 | 0 | 0 | 0 |
| Other Special Charges | 0 | -0.34 | 0 | 0 |
| Restructuring And Mergern Acquisition | 0 | 0 | 2.04 | 10.72 |
| Gain On Sale Of Security | -0.53 | -5.22 | 0.06 | -3.50 |
| Depreciation Amortization Depletion Income Statement | 1.49 | 1.42 | 1.24 | 4.26 |
| Depreciation And Amortization In Income Statement | 1.49 | 1.42 | 1.24 | 4.26 |
| Amortization | 1.49 | 1.42 | 1.24 | 4.26 |
| Amortization Of Intangibles Income Statement | 1.49 | 1.42 | 1.24 | 4.26 |
| Selling And Marketing Expense | 0.30 | 0.61 | 0 | 0 |
| General And Administrative Expense | 37.11 | 42.32 | 44.35 | 54.53 |
| Other Gand A | 0 | 0 | 0 | 0 |
| Insurance And Claims | 1.13 | 1.39 | 1.43 | 1.75 |
| Salaries And Wages | 35.98 | 40.93 | 42.93 | 52.78 |
| Operating Revenue | 104.81 | 106.43 | 108.34 | 151.70 |
| Occupancy And Equipment | 10.69 | 10.42 | 11.48 | 14.65 |
| Professional Expense And Contract Services Expense | 2.09 | 2.32 | 2.14 | 2.66 |
| Other Non Interest Expense | 8.91 | 9.59 | 9.42 | 13.70 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| ACNB Corporationthis co. | ACNB | $523M | 10.23↓ discount | 1.23 | 8.8% | - |
| Flushing Financial Corporation | FFIC | $542M | 16.00 | 0.76 | 2.7% | - |
| Midland States Bancorp, Inc. | MSBI | $533M | 21.34 | 1.19 | -22.0% | - |
| Southern First Bancshares, Inc. | SFST | $528M | 13.11 | 1.24 | 8.2% | - |
| Unity Bancorp, Inc. | UNTY | $524M |
| 8.79 |
| 1.46 |
| 16.8% |
| - |
| Civista Bancshares, Inc. | CIVB | $515M | 9.18 | 0.93 | 8.5% | - |
| AlTi Global, Inc. | ALTI | $512M | - | 1.38 | -13.7% | -20.39 |
| Kearny Financial Corp. | KRNY | $507M | 15.52 | 0.67 | 3.5% | - |
| Innventure, Inc. | INV | $504M | - | 2.09 | -60.6% | -7.91 |
| Peer Median | - | 14.31 | 1.22 | 3.1% | -14.15 | |