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ACNB Corporation

ACNB Corporation

ACNB · NASDAQ · Financial Services / Banks - Regional

67.20USD+0.28 (+0.42%)

Price History

Full chart

Market Stats

Previous Close66.92
Open66.92
Day Range66.29 – 67.23
52-Week Range40.90 – 67.60
Volume40.17K
Market Cap645.18M
P/E (TTM)11.92
Forward P/E9.75
EPS5.32
Dividend Yield2.54%
Beta0.86
50-Day Avg64.05
200-Day Avg54.93

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. James P. Helt
  • Employees501
  • Headquarters16 Lincoln Square, Gettysburg, PA, United States, 17325, USA
  • Websitehttps://www.acnb.com

Leadership

  • Mr. James P. HeltPresident, CEO & Director · b. 1967
  • Mr. Jason H. Weber C.F.A., CPA, FRMExecutive VP, CFO & Treasurer · b. 1975
  • Mr. Brett D. FulkExecutive VP & Chief Strategy Officer · b. 1969
  • Mr. Douglas A. SeibelExecutive VP and Chief Lending & Revenue Officer of ACNB Bank · b. 1961
  • Mr. Kevin J. Hayes Esq.Senior VP, General Counsel, Secretary & Chief Governance Officer
  • Emily E. BerwagerSenior VP & Human Resources Manager
  • Mr. Mark E. BlackstenExecutive Vice President of Maryland Market President
  • Mr. Andrew A. BradleySenior VP & Chief Risk Officer

Financials

Income Statement

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.50M16.06M17.14M17.04M19.23M41.08M42.63M42.69M42.82M46.12M43.62M51.17M58.20M61.95M57.32M57.03M56.81M53.57M52.31M49.30M49.43M51.87M53.26M65.93M80.44M87.73M105.38M100.94M108.44M114.75M132.19M170.38M
Growth (%)-+970.22%+6.70%-0.57%+12.82%+113.67%+3.78%+0.14%+0.30%+7.70%-5.42%+17.32%+13.73%+6.44%-7.46%-0.52%-0.38%-5.71%-2.36%-5.74%+0.26%+4.94%+2.68%+23.80%+22.00%+9.06%+20.12%-4.22%+7.43%+5.82%+15.20%+28.89%
Cost of Revenue12.42M14.44M15.15M15.12M16.82M16.22M17.17M16.30M13.82M14.21M13.48M17.89M24.32M27.06M24.47M18.31M16.03M12.90M10.77M5.44M3.80M3.86M3.93M5.43M9.02M10.74M21.36M6.96M3.62M9.16M21.09M44.85M
Gross Profit1.50M1.63M1.99M1.92M2.41M24.86M25.46M26.40M29.00M31.91M30.13M33.28M33.88M34.88M32.86M38.72M40.78M40.67M41.54M43.87M45.63M48.01M49.33M60.50M71.42M76.99M84.02M93.97M104.81M105.58M111.10M125.53M
Gross Margin100.00%10.13%11.59%11.27%12.54%60.52%59.73%61.83%67.72%69.19%69.09%65.05%58.22%56.31%57.32%67.89%71.78%75.92%79.41%88.97%92.32%92.56%92.61%91.76%88.79%87.76%79.73%93.10%96.66%92.01%84.05%73.68%
Operating Expense-20.98M-7.97M-8.61M-8.88M-9.07M13.27M13.21M14.33M16.99M18.00M18.57M24.50M24.67M25.03M25.04M30.14M30.30M30.02M30.33M32.02M32.26M33.23M34.69M44.08M44.70M47.62M61.32M58.95M59.86M65.73M70.69M79.08M
Operating Income22.48M9.59M10.60M10.80M11.48M11.59M12.25M12.07M12.01M13.91M11.56M8.79M9.21M9.85M7.82M8.58M10.48M10.66M11.21M11.85M13.37M14.78M14.64M16.42M26.72M29.37M22.70M35.02M44.95M39.85M40.42M46.45M
Operating Margin1497.67%59.72%61.83%63.36%59.69%28.22%28.74%28.27%28.05%30.16%26.51%17.17%15.83%15.91%13.64%15.04%18.44%19.89%21.42%24.03%27.05%28.49%27.48%24.91%33.22%33.47%21.54%34.69%41.45%34.73%30.58%27.26%
EBITDA22.48M10.18M11.24M11.45M12.15M12.19M12.75M12.39M13.44M17.95M15.02M11.95M11.89M11.91M9.70M10.86M12.82M12.88M13.25M13.84M15.43M16.53M16.44M18.71M29.57M32.06M26.35M38.46M48.75M43.21M43.45M53.19M
EBITDA Margin1497.67%63.38%65.56%67.21%63.18%29.67%29.90%29.01%31.38%38.93%34.44%23.35%20.44%19.23%16.92%19.04%22.56%24.03%25.32%28.08%31.22%31.87%30.86%28.38%36.76%36.55%25.01%38.10%44.96%37.66%32.87%31.22%
Net Income6.77M6.46M7.11M7.23M7.72M7.82M8.10M8.34M8.90M10.77M9.31M7.38M7.29M7.94M6.74M7.22M8.42M8.50M8.89M9.31M10.29M11.02M10.87M9.79M21.75M23.72M18.39M27.83M35.75M31.69M31.85M37.05M
Net Income Margin451.23%40.21%41.48%42.42%40.18%19.04%18.99%19.53%20.79%23.35%21.34%14.41%12.53%12.81%11.76%12.66%14.82%15.87%16.99%18.89%20.82%21.24%20.41%14.85%27.04%27.04%17.45%27.58%32.97%27.62%24.09%21.75%
R&D-----------------00000000-------
R&D as % of Total Revenue-----------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense12.42M14.44M15.12M14.91M16.46M15.97M16.93M16.06M13.45M13.95M13.18M17.37M23.45M26.56M18.90M13.56M9.62M7.46M6.09M3.99M3.65M3.86M3.93M5.43M7.40M10.14M12.22M6.92M3.62M8.32M23.85M40.12M
Interest Expense % of Total Revenue827.38%89.87%88.24%87.50%85.59%38.86%39.71%37.61%31.42%30.24%30.22%33.95%40.29%42.88%32.97%23.78%16.94%13.93%11.65%8.09%7.38%7.44%7.39%8.24%9.20%11.56%11.60%6.85%3.34%7.25%18.04%23.55%

Balance Sheet

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets472.03M459.35M472.44M466.84M544.26M545.95M567.33M630.23M734.64M872.73M924.19M945.14M964.76M926.66M976.68M961.90M968.67M1.00B1.05B1.05B1.09B1.15B1.21B1.60B1.65B1.72B2.56B2.79B2.53B2.42B2.39B3.23B
Total Liabilities423.38M407.89M423.01M414.22M483.14M486.09M506.89M567.54M664.54M800.34M849.67M871.13M887.45M841.53M892.24M873.60M874.91M907.35M948.73M939.25M979.79M1.03B1.09B1.44B1.48B1.53B56.88M37.97M2.28B2.14B2.09B2.81B
Total Equity48.65M51.46M49.44M52.62M61.12M59.86M60.44M62.69M70.10M72.39M74.52M74.01M77.30M85.13M84.44M88.30M93.75M97.47M101.26M106.80M110.02M114.72M120.06M153.97M168.14M189.52M2.50B2.75B245.04M277.46M303.27M419.97M
Cash12.92M22.90M22.08M28.73M20.80M33.68M18.60M21.93M18.09M33.41M22.70M19.27M20.66M19.21M16.93M24.14M24.17M22.62M51.38M18.12M19.67M18.76M18.93M34.44M40.91M114.36M399.35M710.13M168.16M65.96M47.26M20.61M
Total Debt16.80M-17.20M15.50M22.80M29.80M48.96M51.50M76.44M156.68M196.97M185.09M205.50M161.01M190.40M135.59M120.58M163.12M107.26M131.75M126.64M111.70M108.84M131.51M118.16M103.98M95.35M73.17M66.12M254.79M273.92M329.02M
Net Debt3.88M-22.90M-22.08M-28.73M-20.80M-3.85M30.36M29.58M58.36M123.26M174.27M165.81M184.85M141.80M173.48M111.45M96.41M140.49M8.57M113.64M61.26M57.74M55.32M60.16M77.26M-10.37M-342.47M-672.16M-144.00M188.83M226.66M308.41M

Cash Flow

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow10.11M6.67M8.13M8.24M8.75M5.58M10.19M-6.39M3.90M12.74M11.03M11.39M9.95M4.51M12.43M10.41M8.91M18.15M9.30M17.99M10.81M14.38M12.12M17.01M29.54M25.72M25.47M42.13M39.20M40.60M39.78M53.64M
Investing Cash Flow-22.85M21.97M-14.13M12.24M-45.60M8.34M-31.18M-49.17M-101.25M-130.59M-64.64M-30.49M-14.72M42.19M-58.78M18.19M-7.37M-48.29M-17.80M-38.13M-44.13M-64.14M-59.44M-51.95M-53.62M8.02M-114.85M60.52M-331.72M15.44M2.43M64.65M
Financing Cash Flow-7.26M-18.66M5.17M-13.83M27.41M-2.05M9.31M53.77M94.53M132.17M42.88M15.68M6.16M-48.14M44.06M-21.39M-1.50M28.58M37.26M-13.13M34.87M48.85M47.49M50.46M30.54M39.71M374.37M208.13M-249.45M-158.24M-60.91M-99.90M
Capital Expenditure00000288.00K647.00K1.47M2.11M675.00K5.78M4.09M1.51M917.00K1.38M1.95M1.09M1.94M2.05M2.21M3.15M1.74M2.34M1.76M1.74M1.42M1.05M1.58M1.81M1.17M960.00K1.08M
Free Cash Flow10.11M6.67M8.13M8.24M8.75M5.29M9.55M-7.86M1.79M12.07M5.25M7.30M8.44M3.59M11.05M8.46M7.82M16.21M7.25M15.77M7.67M12.64M9.78M15.25M27.80M24.30M24.42M40.55M37.39M39.43M38.82M52.57M
Dividends Paid3.42M3.51M9.02M4.15M4.52M4.91M4.88M4.78M5.87M4.84M4.89M4.95M4.57M4.57M4.55M4.51M4.51M4.51M4.52M4.54M4.62M4.82M4.84M5.23M6.26M6.92M8.69M8.97M9.12M9.70M10.71M14.38M
FCF to OCF100.00%100.00%100.00%100.00%100.00%94.84%93.65%123.00%45.87%94.70%47.58%64.08%84.83%79.67%88.88%81.26%87.78%89.30%77.97%87.70%70.89%87.91%80.66%89.67%94.10%94.46%95.89%96.26%95.38%97.12%97.59%97.99%
Dividend Paid to FCF33.81%52.57%110.88%50.35%51.65%92.76%51.07%-60.84%328.54%40.09%93.18%67.77%54.11%127.05%41.17%53.32%57.63%27.83%62.37%28.79%60.28%38.13%49.50%34.31%22.52%28.48%35.56%22.12%24.38%24.60%27.60%27.36%

Earnings

Report DateMar 31, 1997Jun 30, 1997Sep 30, 1997Dec 31, 1997Mar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Mar 31, 2003Jun 30, 2003Sep 30, 2003Mar 31, 2004Jun 30, 2004Sep 30, 2004Dec 31, 2004Mar 31, 2005Jun 30, 2005Sep 30, 2005Dec 31, 2005Mar 31, 2006Jun 30, 2006Sep 30, 2006Dec 31, 2006Mar 31, 2007Jun 30, 2007Sep 30, 2007Dec 31, 2007Mar 31, 2008Jun 30, 2008Sep 30, 2008Dec 31, 2008Mar 31, 2009Jun 30, 2009Sep 30, 2009Dec 31, 2009Mar 31, 2010Jun 30, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Dec 31, 2016Mar 31, 2017Apr 28, 2017Aug 4, 2017Nov 3, 2017Mar 9, 2018Apr 27, 2018Jul 23, 2018Oct 25, 2018Jan 30, 2019Apr 30, 2019Jul 30, 2019Nov 1, 2019Jan 28, 2020May 1, 2020Jul 29, 2020Oct 28, 2020Jan 29, 2021Apr 30, 2021Jul 30, 2021Nov 3, 2021Jan 27, 2022Apr 29, 2022Jul 29, 2022Oct 27, 2022Jan 26, 2023Apr 27, 2023Jul 27, 2023Oct 27, 2023Jan 25, 2024Apr 25, 2024Jul 24, 2024Oct 24, 2024Jan 23, 2025Apr 24, 2025Jul 24, 2025Oct 23, 2025Jan 22, 2026Apr 23, 2026Jul 23, 2026Oct 22, 2026
EPS Estimate--------------------------------------------------------------------------------------------------1.081.020.990.940.800.840.950.860.931.151.181.241.251.401.48
EPS Actual0.290.330.320.310.300.330.320.300.300.300.310.330.360.340.330.350.380.370.380.410.310.530.350.300.410.490.350.290.300.300.290.320.320.250.310.310.330.350.370.390.080.290.360.240.320.300.410.350.270.410.350.370.300.380.360.390.370.410.390.390.380.410.460.440.410.420.470.470.470.420.490.460.420.430.430.450.270.600.700.780.590.750.830.920.890.74-0.140.670.790.810.860.980.840.520.760.991.201.201.061.141.060.930.791.320.840.860.791.251.441.351.311.49-
Surprise---------------------------------------------------------------------------------------------------1.85%11.76%7.07%-1.06%-1.25%57.14%-11.58%0.00%-15.05%8.70%22.03%8.87%4.80%6.43%-
Timing---------------------------------------------------------------------------------------------Pre-market-After-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-market

Key Statistics & Ratios

Market Cap645.18M
Enterprise Value888.81M
Trailing P/E11.92
Forward P/E9.75
PEG Ratio0.00
Price / Sales4.02
Price / Book1.51
EPS5.32
Book Value41.62
Revenue (TTM)160.98M
Gross Profit (TTM)160.98M
Profit Margin33.91%
Operating Margin48.93%
Return on Equity13.34%
Return on Assets1.66%
Shares Outstanding10.17M
Shares Float9.76M
Beta0.86
Dividend Yield2.54%
Dividend Rate1.60
Payout Ratio37.57%

Analyst Ratings

Strong Buy
Based on 4 analystsTarget 67.67
  • Strong Buy
    2
  • Buy
    2

Ownership Breakdown

Institutions
41.38%
Insiders
3.92%
Retail / Other
54.70%

Top Institutional Holders

  • BlackRock Inc
    622.58K6.12%
  • Vanguard Capital Management, LLC
    427.66K4.21%
  • FMR Inc
    363.66K3.58%
  • Private Capital Management, LLC
    361.34K3.55%
  • Dimensional Fund Advisors, Inc.
    353.66K3.48%
  • American Century Companies Inc
    263.33K2.59%
  • Geode Capital Management, LLC
    246.38K2.42%
  • State Street Corp
    195.58K1.92%
  • Manufacturers Life Insurance Co
    162.98K1.60%
  • Bridgeway Capital Management, LLC
    106.16K1.04%
  • Two Sigma Investments LLC
    98.82K0.97%
  • Northern Trust Corp
    92.57K0.91%
  • Vanguard Fiduciary Trust Co
    67.45K0.66%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    305.40K3.00%
  • iShares Russell 2000 ETF
    272.93K2.68%
  • Avantis US Small Cap Value ETF
    252.99K2.49%
  • Fidelity Small Cap Index
    111.05K1.09%
  • iShares Russell 2000 Value ETF
    101.06K0.99%
  • JHancock Regional Bank A
    77.59K0.76%
  • JH Financial Opportunities
    71.32K0.70%

Dividends

20263×
0.42Sep 1, 20260.92Jun 1, 20260.38Feb 27, 2026
20254×
0.38Dec 1, 20250.34Aug 29, 20250.34May 30, 20250.32Feb 28, 2025
20244×
0.32Nov 29, 20240.32Aug 30, 20240.32May 31, 20240.30Feb 29, 2024
20234×
0.30Nov 30, 20230.28Aug 31, 20230.28May 31, 20230.28Feb 28, 2023
20224×
0.28Nov 30, 20220.26Aug 31, 20220.26May 31, 20220.26Feb 28, 2022
20214×
0.26Nov 30, 20210.25Aug 30, 20210.27May 28, 20210.25Feb 26, 2021
20201×
0.25Nov 30, 2020

Stock Splits

  • Nov 28, 2007105:100
  • Nov 29, 2006105:100
  • Jan 3, 19952:1