ACNB Corporation

ACNB Corporation

ACNBยทNASDAQ

$53.72

-2.0%
Financial ServicesBanks - Regional

ACNB Corporation, a financial holding company, provides 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 include personal residential mortgages, and residential construction and investment mortgage loans. In addition, the company provides other services that are related to testamentary trusts, life insurance trusts, charitable remainder trusts, guardianships, powers of attorney, custodial accounts, and investment management and advisory accounts; and retail brokerage services. Further, it acts as a trustee to invest in, protect, manage, and distribute financial assets. Additionally, the company offers property and casualty, health, life, and disability insurance products to commercial and individual clients; and online, telephone, and mobile banking, as well as automated teller machine services. As of December 31, 2021, it operated through a network of 19 community banking offices located in Pennsylvania, including 12 offices in Adams county, five offices in York county, one office in Cumberland County, and one office in Franklin County; five community banking offices located in Frederick County; six community banking offices located in Carroll county, Maryland; and loan offices located in Lancaster and York, Pennsylvania, and Hunt Valley, Maryland. The company was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.

At a Glance

Live Snapshot
Market Cap$548.59M
EPS3.6100
P/E Ratio13.39
Earnings Date07/23/2026
3Y+37.0%
5Y+111.0%
10Y+343.0%
3Y-119.0%
5Y-156.0%
10Y-209.0%
3Y-60.0%
5Y-127.0%
10Y-310.0%
ACNB

ACNB Corporation Cash Conversion Engine

ACNB ยท NASDAQ
Net Income37.05M
Depreciation & Amortization7.93M
Stock-Based Compensation1.41M
Change in Working Capital9.12M
Others-5.50M
Capital Expenditures-1.08M
Free Cash Flow52.57M

Cash Flow Quality Analysis

FCF Conversion Rate

141.9%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

2.0%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+35.4%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

+$9.13M

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

ACNB Corporation Cash Flow Statement

ACNB โ€ข NASDAQ

ACNB Corporation Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
37.1M
31.8M
31.7M
35.8M
27.8M
18.4M
23.7M
21.7M
9.8M
10.9M
11M
10.3M
9.3M
8.9M
8.5M
8.4M
7.2M
6.7M
7.9M
7.3M
7.9M
3M
3.4M
3.8M
3.4M
3.7M
2.7M
2.9M
2.3M
1.8M
1.8M
2.1M
2M
2M
2.2M
2.3M
2.3M
1.9M
2.1M
2.7M
3.6M
0.0
0.0
0.0
0.0
-1M
120K
557K
1.7M
171K
392K
875K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
22K
1.4M
1.3M
1M
729K
362K
428K
322K
186K
133K
59K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-5.5M
-3.2M
4.4M
2.8M
8.5M
5.2M
-2.7M
2M
-2.3M
-1.2M
-1.4M
-1.4M
7.8M
-2.2M
8.2M
2.7M
5M
4.5M
-796K
-419K
(5.3M)
(6.6M)
(10M)
(7.2M)
(7.4M)
(5.9M)
(5.2M)
(4.6M)
(3.9M)
(4.4M)
(2M)
(2.3M)
(2.9M)
(725K)
(1.7M)
(2.3M)
(2.7M)
(0.0)
(0.0)
(0.0)
9.1M
6.9M
164K
-3.9M
2M
-1.2M
1.6M
2.2M
5.3M
454K
2.6M
-1.1M
-1.1M
609K
-741K
-4.5M
-4M
-726K
-4.7M
376K
53.6M
39.8M
40.6M
39.2M
42.1M
25.5M
25.7M
29.5M
17M
12.1M
14.4M
10.8M
18M
9.3M
18.2M
8.9M
10.4M
12.4M
4.5M
9.9M
INVESTING ACTIVITIES
-1.1M
-960K
-1.2M
-1.8M
-1.6M
-1M
-1.4M
-1.7M
-1.8M
-2.3M
-1.7M
-3.1M
-2.2M
-2M
-1.9M
-1.1M
-2M
-1.4M
-917K
-1.5M
(0.0)
(0.0)
-174K
-7.4M
(0.0)
(34.7M)
-640K
-2.6M
(6.4M)
(0.0)
-173K
(0.0)
-77K
(0.0)
-336K
-31K
-43K
-6M
-637K
(0.0)
-183M
(0.0)
-48.8M
-306.7M
-216.8M
-218M
-45.3M
-39.1M
-30.1M
-50.4M
-44.5M
-22.3M
-60.8M
-64.5M
-71.8M
-55.4M
-41.5M
-82.1M
-147.8M
-6.7M
230.4M
59.8M
159.5M
66.5M
109.2M
105.4M
27.2M
51M
45.1M
46.4M
36.1M
54.7M
47.1M
65M
55.8M
74M
74.4M
124.8M
216.2M
24.1M
18.4M
-56.4M
-93.9M
-82.3M
169.7M
-35.9M
28.2M
-61.2M
-71.6M
-53.1M
-53.8M
-73.5M
-22.1M
-16.2M
-30M
-24.9M
-12.7M
-94M
-24.6M
-30.7M
(64.6M)
(2.4M)
(15.4M)
-331.7M
(60.5M)
-114.8M
(8M)
-53.6M
-52M
-59.4M
-64.1M
-44.1M
-38.1M
-17.8M
-48.3M
-7.4M
(18.2M)
-58.8M
(42.2M)
-14.7M
FINANCING ACTIVITIES
-10.5M
175K
-1.3M
-6M
-1.5M
824K
892K
541K
482K
556K
499K
381K
447K
295K
257K
0.0
-286K
-442K
0.0
0.0
8.7M
18.9M
189.9M
-6.9M
-22.3M
-17M
-18.4M
-13.3M
17.7M
-2.9M
-14.9M
-5.1M
24.5M
-9.9M
-3.4M
-15M
-54.8M
29.4M
-44.5M
20.4M
-14.4M
-10.7M
-9.7M
-9.1M
-9M
-8.7M
-6.9M
-6.3M
-5.2M
-4.8M
-4.8M
-4.6M
-4.5M
-4.5M
-4.5M
-4.5M
-4.5M
-4.6M
-4.6M
-4.6M
-11.2M
-249K
-2M
-6.7M
-1.5M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-286K
-442K
(0.0)
(0.0)
-83.7M
-69.3M
-337.2M
-227.4M
240.9M
399.2M
64.2M
49.6M
37.5M
54.6M
68.1M
44.2M
-33.5M
51.4M
36.3M
18M
38.2M
19.7M
914K
-9.7M
-99.9M
-60.9M
-158.2M
-249.4M
208.1M
374.4M
39.7M
30.5M
50.5M
47.5M
48.8M
34.9M
-13.1M
37.3M
28.6M
-1.5M
-21.4M
44.1M
-48.1M
6.2M
CASH FLOW SUMMARY
18.4M
-18.7M
-102.2M
-542M
310.8M
285M
73.5M
6.5M
15.5M
174K
-916K
1.6M
-33.3M
28.8M
-1.6M
35K
7.2M
-2.3M
-1.4M
1.4M
47.3M
66M
168.2M
710.1M
399.4M
114.4M
40.9M
34.4M
18.9M
18.8M
19.7M
18.1M
51.4M
22.6M
24.2M
24.1M
16.9M
19.2M
20.7M
19.3M
65.6M
47.3M
66M
168.2M
710.1M
399.4M
114.4M
40.9M
34.4M
18.9M
18.8M
19.7M
18.1M
51.4M
22.6M
24.2M
24.1M
16.9M
19.2M
20.7M
52.6M
38.8M
39.4M
37.4M
40.6M
24.4M
24.3M
27.8M
15.3M
9.8M
12.6M
7.7M
15.8M
7.3M
16.2M
7.8M
8.5M
11.1M
3.6M
8.4M

SEC Filings

ACNB - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
10-Q

10-Q 2026 Q1

Q1

May 07, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 06, 2026
May 05, 2026
2026
8-K

8-K 2026

N/A

April 29, 2026
April 28, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 23, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 30, 2026
May 05, 2026
2026
8-K

8-K 2026

N/A

March 18, 2026
March 13, 2026
2026
10-K

10-K 2025 FY

FY

March 12, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

March 12, 2026
March 12, 2026
2026
8-K

8-K 2026

N/A

March 02, 2026
February 27, 2026
2026
8-K

8-K 2026

N/A

February 20, 2026
February 19, 2026
2026
Showing 1 to 10 of 505 filings