ACNB Financials ACNB CORP

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated 30 h ago Overview →

Growth & profitability

Revenue has grown 20.8% per year over the past 5 years.
Net income has grown slower than revenue (15.0% vs 20.8% per year).
Free cash flow has grown 16.6% per year over the past 5 years.

Financial health

Total debt ($320M) exceeds cash ($66M); net debt is $254M.
Total debt has grown faster than revenue (28.3% vs 20.8% per year).

Shareholder returns

Dividends have been paid for 15 consecutive years, consuming 38.8% of earnings and 27.4% of free cash flow.
The dividend has grown 10.6% per year over the past 5 years.

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Free cash flow (CFO − capex)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key annual figures

FY	Revenue	Net income	Gross M	Op M	FCF	Total debt	Cash
2025	$192M	$37M	0.0%	0.0%	$53M	$320M	$66M
2024	$132M	$32M	0.0%	0.0%	$39M	$271M	$47M
2023	$115M	$32M	0.0%	0.0%	$39M	$252M	$66M
2022	$109M	$36M	0.0%	0.0%	$37M	$63M	$168M
2021	—	$28M	—	—	$41M	$70M	$710M
2020	—	$18M	—	—	$24M	$92M	$399M
2019	—	$24M	—	—	$24M	$100M	$114M
2018	—	$22M	—	—	$28M	$118M	$41M
2017	—	$10M	—	—	$15M	$132M	$34M
2016	—	$11M	—	—	$10M	$109M	$19M
2015	—	$11M	—	—	$13M	$112M	$19M
2014	—	$10M	—	—	$8M	$127M	$20M
2013	—	$9M	—	—	$16M	$132M	$18M
2012	—	$9M	—	—	$7M	$107M	$51M
2011	—	$9M	—	—	$16M	$117M	$23M

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Free cash flow (CFO − capex, quarterly)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key quarterly figures

Quarter	Revenue	Net income	Gross M	Op M	FCF	Total debt	Cash
Mar '26	$51M	$14M	0.0%	0.0%	$24M	$279M	$94M
Dec '25	$47M	$11M	0.0%	0.0%	$13M	$320M	$66M
Sep '25	$51M	$15M	0.0%	0.0%	$23M	$336M	$102M
Jun '25	$50M	$12M	0.0%	0.0%	$18M	$298M	$103M
Mar '25	$43M	-$272000	0.0%	0.0%	-$2M	$300M	$124M
Dec '24	$33M	$7M	0.0%	0.0%	$5M	$271M	$47M
Sep '24	$34M	$7M	0.0%	0.0%	$13M	$293M	$58M
Jun '24	$33M	$11M	0.0%	0.0%	$9M	$304M	$86M
Mar '24	$32M	$7M	0.0%	0.0%	$11M	$273M	$53M
Dec '23	—	$4M	—	—	$8M	$252M	$66M
Sep '23	—	$9M	—	—	$7M	$153M	$64M
Jun '23	—	$10M	—	—	$10M	$133M	$84M
Mar '23	—	$9M	—	—	$15M	$76M	$114M
Dec '22	—	$10M	—	—	$9M	$63M	$168M
Sep '22	—	$10M	—	—	$13M	$66M	$357M
Jun '22	—	$9M	—	—	$9M	$54M	$396M
Mar '22	—	$7M	—	—	$7M	$60M	$478M
Dec '21	—	$4M	—	—	$7M	$70M	$710M
Sep '21	—	$7M	—	—	$8M	$86M	$723M
Jun '21	—	$9M	—	—	$16M	$84M	$593M

Valuation over time

How the market has priced ACNB against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

The price-to-earnings ratio has risen from 9.3× (Mar '23) to 16.1× (Jun '26).
The price-to-sales ratio has risen from 3.1× (Mar '23) to 3.1× (Jun '26).
The dividend yield has fallen from 2.7% (Mar '23) to 2.4% (Jun '26).

Price / earnings (P/E)

P/E

Price / sales (P/S)

P/S

Dividend yield (%)

Dividend yield %

Frequently asked questions

Is ACNB growing its revenue and profit?

Over the past 5 years, ACNB CORP's revenue has grown 20.8% per year, and net income grown 15.0% per year. These are computed facts, not advice.

How much debt does ACNB have?

As of FY2025, ACNB CORP reported $320M of total debt against $66M of cash.

What is ACNB's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin 19.3%.

What is ACNB's P/E ratio?

As of Jun '26, ACNB CORP traded at a price-to-earnings ratio of about 16.1× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.