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 Aug 9, 2026, 10:14 UTC 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

Return on equity & assets (ROE / ROA)

ROEROA

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	ROE	ROA	FCF	Total debt	Cash
2025	$192M	$37M	0.0%	0.0%	8.8%	1.1%	$53M	$320M	$66M
2024	$132M	$32M	0.0%	0.0%	10.5%	1.3%	$39M	$271M	$47M
2023	$115M	$32M	0.0%	0.0%	11.4%	1.3%	$39M	$252M	$66M
2022	$109M	$36M	0.0%	0.0%	14.6%	1.4%	$37M	$63M	$168M
2021	—	$28M	—	—	10.2%	1.0%	$41M	$70M	$710M
2020	—	$18M	—	—	7.1%	0.7%	$24M	$92M	$399M
2019	—	$24M	—	—	12.5%	1.4%	$24M	$100M	$114M
2018	—	$22M	—	—	12.9%	1.3%	$28M	$118M	$41M
2017	—	$10M	—	—	6.4%	0.6%	$15M	$132M	$34M
2016	—	$11M	—	—	9.1%	0.9%	$10M	$109M	$19M
2015	—	$11M	—	—	9.6%	1.0%	$13M	$112M	$19M
2014	—	$10M	—	—	9.4%	0.9%	$8M	$127M	$20M
2013	—	$9M	—	—	8.7%	0.9%	$16M	$132M	$18M
2012	—	$9M	—	—	—	0.8%	$7M	$107M	$51M
2011	—	$9M	—	—	—	0.8%	$16M	$117M	$23M

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

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	ROE	ROA	FCF	Total debt	Cash
Jun '26	$53M	$15M	0.0%	0.0%	3.6%	0.5%	-$4M	$323M	$82M
Mar '26	$51M	$14M	0.0%	0.0%	3.2%	0.4%	$24M	$279M	$94M
Dec '25	$47M	$11M	0.0%	0.0%	2.6%	0.3%	$13M	$320M	$66M
Sep '25	$51M	$15M	0.0%	0.0%	3.6%	0.5%	$23M	$336M	$102M
Jun '25	$50M	$12M	0.0%	0.0%	2.9%	0.4%	$16M	$298M	$103M
Mar '25	$43M	-$272000	0.0%	0.0%	-0.1%	-0.0%	-$2M	$300M	$124M
Dec '24	$33M	$7M	0.0%	0.0%	2.2%	0.3%	$5M	$271M	$47M
Sep '24	$34M	$7M	0.0%	0.0%	2.3%	0.3%	$13M	$293M	$58M
Jun '24	$33M	$11M	0.0%	0.0%	3.9%	0.5%	$9M	$304M	$86M
Mar '24	$32M	$7M	0.0%	0.0%	2.4%	0.3%	$11M	$273M	$53M
Dec '23	—	$4M	—	—	1.5%	0.2%	$8M	$252M	$66M
Sep '23	—	$9M	—	—	3.5%	0.4%	$7M	$153M	$64M
Jun '23	—	$10M	—	—	3.7%	0.4%	$10M	$133M	$84M
Mar '23	—	$9M	—	—	3.5%	0.4%	$15M	$76M	$114M
Dec '22	—	$10M	—	—	4.2%	0.4%	$9M	$63M	$168M
Sep '22	—	$10M	—	—	4.4%	0.4%	$13M	$66M	$357M
Jun '22	—	$9M	—	—	3.5%	0.3%	$9M	$54M	$396M
Mar '22	—	$7M	—	—	2.6%	0.2%	$7M	$60M	$478M
Dec '21	—	$4M	—	—	1.7%	0.2%	$7M	$70M	$710M
Sep '21	—	$7M	—	—	2.7%	0.3%	$8M	$86M	$723M

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 18.2× (Nov '26).
The price-to-sales ratio has risen from 3.0× (Mar '23) to 3.5× (Nov '26).
The dividend yield has fallen from 2.7% (Mar '23) to 2.1% (Nov '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?

ACNB CORP's P/E (TTM) is 12.34 as of the 2026-11-03 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the ACNB stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 18.2× as of Nov '26) can differ. 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), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.