ACNB (ACNB) financial statements
ACNB reported revenue of $192M in fiscal 2025, up 16.2% a year over 9 years.
Net income was $37M.
Free cash flow was $53M, and the company returned $14M in dividends and $11M in net buybacks.
The diluted share count rose 70% over the period (dilution).
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from ACNB's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $50M | $61M | $73M | $78M | $93M | $94M | $109M | $115M | $132M | $192M |
| Interest expense | $4M | $5M | $7M | $10M | $12M | $7M | $4M | $8M | $24M | $40M |
| Pre-tax income | $15M | $16M | $27M | $29M | $23M | $35M | $45M | $40M | $40M | $46M |
| Income tax | — | — | — | — | — | — | — | $8M | $9M | $9M |
| Net income | $11M | $10M | $22M | $24M | $18M | $28M | $36M | $32M | $32M | $37M |
| EPS (diluted) | $1.80 | $1.50 | $3.09 | $3.36 | $2.13 | $3.19 | $4.15 | $3.71 | $3.73 | $3.60 |
| Diluted shares | 6M | 7M | 7M | 7M | 9M | 9M | 9M | 9M | 9M | 10M |
| Net margin | 21.8% | 16.2% | 29.8% | 30.6% | 19.7% | 29.6% | 32.8% | 27.5% | 24.1% | 19.3% |
Balance sheet
Fiscal years, from ACNB's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and short-term investments | $19M | $34M | $41M | $114M | $399M | $710M | $168M | $66M | $47M | $66M |
| Property, plant and equipment | $18M | $27M | $26M | $26M | $33M | $31M | $27M | $26M | $25M | $31M |
| Goodwill | $6M | $20M | $20M | $20M | $42M | $42M | $44M | $44M | $44M | $64M |
| Total assets | $1.2B | $1.6B | $1.6B | $1.7B | $2.6B | $2.8B | $2.5B | $2.4B | $2.4B | $3.2B |
| Total liabilities | $1.1B | $1.4B | $1.5B | $1.5B | $2.3B | $2.5B | $2.3B | $2.1B | $2.1B | $2.8B |
| Shareholders' equity | $120M | $154M | $168M | $190M | $258M | $272M | $245M | $277M | $303M | $420M |
| Net debt | -$19M | -$34M | -$41M | -$114M | -$399M | -$710M | -$168M | -$66M | -$47M | -$66M |
Cash flow
Fiscal years, from ACNB's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $12M | $17M | $30M | $26M | $25M | $42M | $39M | $41M | $40M | $54M |
| Capital spending | $2M | $2M | $2M | $1M | $1M | $2M | $2M | $1M | $960,000 | $1M |
| Free cash flow | $10M | $15M | $28M | $24M | $24M | $41M | $37M | $39M | $39M | $53M |
| Stock-based compensation | — | — | — | — | — | — | — | $1M | $1M | $1M |
| Dividends paid | $5M | $5M | $6M | $7M | $9M | $9M | $9M | $10M | $11M | $14M |
| Share buybacks (net) | — | — | — | — | $0 | -$2M | -$7M | -$2M | -$249,000 | -$11M |
| Net borrowing | $15M | $32M | -$13M | -$18M | -$17M | -$22M | -$7M | $190M | $19M | $9M |
| Free cash flow margin | 19.6% | 25.2% | 38.1% | 31.3% | 26.2% | 43.1% | 34.3% | 34.3% | 29.4% | 27.4% |
| Dividends per share | $0.80 | $0.80 | $0.89 | $0.98 | $1.01 | $1.03 | $1.06 | $1.14 | $1.25 | $1.40 |
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Open ACNB in InvestinglyQuestions
What was ACNB's revenue in 2025?
$192M in fiscal 2025, from its 10-K filing.
How much free cash flow does ACNB generate?
$53M in fiscal 2025 (operating cash flow minus capital spending).
From ACNB's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.