ACNB

MKT CAP:$514M

ACNB Corporation

Market Cap

$514M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$50.30+$3.05 (+6.46%)

Apr 22, 2026

Company Details

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 accoun...

CEO

James Helt

IPO Date

Apr 4, 1994

Website

www.acnb.com

Key Metrics TTM

Revenue

$198M

+37.3% YoY

Net Income

$51M

EPS (Diluted)

$4.89

Free Cash Flow

$51M

Revenue / Share

$19.07

Gross Margin

79.8%

Operating Margin

32.5%

Net Margin

25.8%

FCF Margin

25.9%

P/S

2.6x

P/E

10.1x

Earnings Reports

Q1 2026

Apr 23, 2026

NEW

$51M+16.2%EPS $1.32

FY 2025

Mar 12, 2026

$170M+28.9%EPS $3.60

Q4 2025

Mar 12, 2026

$46M+38.7%EPS $1.04

Q3 2025

Nov 6, 2025

$51M+49.4%EPS $1.42

Q2 2025

Aug 7, 2025

$50M+50.9%EPS $1.11

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q2 22	$27M	$26M	$11M
Q3 22	$29M	$28M	$13M
Q4 22	$30M	$29M	$13M
Q1 23	$29M	$28M	$11M
Q2 23	$29M	$28M	$12M
Q3 23	$31M	$28M	$12M
Q4 23	$26M	$22M	$5M
Q1 24	$32M	$26M	$9M
Q2 24	$33M	$31M	$14M
Q3 24	$34M	$28M	$9M
Q4 24	$33M	$27M	$8M
Q1 25	$43M	$29M	-$549.0K
Q2 25	$50M	$40M	$15M
Q3 25	$51M	$41M	$19M
Q4 25	$46M	$35M	$13M
Q1 26	$51M	$41M	$17M

Valuation

Quarter	P/S	P/E
Q2 22	2.8x	10.0x
Q3 22	2.6x	8.8x
Q4 22	2.9x	8.9x
Q1 23	2.3x	7.0x
Q2 23	2.4x	7.3x
Q3 23	2.3x	7.2x
Q4 23	3.3x	12.1x
Q1 24	2.6x	10.3x
Q2 24	2.5x	9.9x
Q3 24	3.0x	12.7x
Q4 24	2.5x	10.5x
Q1 25	2.4x	14.1x
Q2 25	2.6x	16.7x
Q3 25	2.6x	13.9x
Q4 25	2.7x	13.8x
Q1 26	2.5x	9.7x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$7M	$7M
Q2 22	$9M	$9M
Q3 22	$13M	$13M
Q4 22	$10M	$9M
Q1 23	$15M	$15M
Q2 23	$10M	$10M
Q3 23	$8M	$7M
Q4 23	$9M	$8M
Q1 24	$11M	$11M
Q2 24	$10M	$9M
Q3 24	$14M	$13M
Q4 24	$6M	$5M
Q1 25	-$71.0K	-$730.0K
Q2 25	$18M	$18M
Q3 25	$23M	$23M
Q4 25	$13M	$11M

Capital Expenditures

Quarter	CapEx
Q1 22	$331.0K
Q2 22	$389.0K
Q3 22	$486.0K
Q4 22	$605.0K
Q1 23	$58.0K
Q2 23	$48.0K
Q3 23	$68.0K
Q4 23	$994.0K
Q1 24	$78.0K
Q2 24	$287.0K
Q3 24	$222.0K
Q4 24	$373.0K
Q1 25	$659.0K
Q2 25	$185.0K
Q3 25	$430.0K
Q4 25	$2M

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q2 22	+0.7%	+0.7%
Q3 22	+18.1%	+4.7%
Q4 22	+23.0%	-9.0%
Q1 23	+28.2%	+22.1%
Q2 23	+8.6%	+7.1%
Q3 23	+4.4%	+16.7%
Q4 23	-12.2%	+25.8%
Q1 24	+9.5%	+32.3%
Q2 24	+14.5%	+11.9%
Q3 24	+11.7%	+30.6%
Q4 24	+26.4%	+16.0%
Q1 25	+37.4%	+90.5%
Q2 25	+50.9%	+85.6%
Q3 25	+49.4%	+29.7%
Q4 25	+38.7%	+31.7%
Q1 26	+16.2%	-24.5%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$673.0K	3.0%
Q2 22	-$430.0K	-1.6%
Q3 22	$0	0.0%
Q4 22	$486.0K	1.6%
Q1 23	$317.0K	1.1%
Q2 23	$0	0.0%
Q3 23	$0	0.0%
Q4 23	$687.0K	2.6%
Q1 24	$534.0K	1.7%
Q2 24	$241.0K	0.7%
Q3 24	$244.0K	0.7%
Q4 24	$244.0K	0.7%
Q1 25	$612.0K	1.4%
Q2 25	$276.0K	0.5%
Q3 25	$301.0K	0.6%
Q4 25	$222.0K	0.5%

OpEx Breakdown

Quarter	G&A	S&M
Q2 22	$10M	$67.0K
Q3 22	$10M	$57.0K
Q4 22	$9M	$72.0K
Q1 23	$11M	$154.0K
Q2 23	$10M	$159.0K
Q3 23	$10M	$159.0K
Q4 23	$11M	$140.0K
Q1 24	$12M	$88.0K
Q2 24	$11M	$88.0K
Q3 24	$11M	$99.0K
Q4 24	$11M	—
Q1 25	$13M	—
Q2 25	$14M	—
Q3 25	$14M	—
Q4 25	$17M	—
Q1 26	$24M	—

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$396M	$529M	$925M
Q3 22	$357M	$503M	$860M
Q4 22	$168M	$554M	$722M
Q1 23	$114M	$502M	$616M
Q2 23	$84M	$452M	$536M
Q3 23	$64M	$436M	$500M
Q4 23	$66M	$452M	$518M
Q1 24	$53M	$425M	$478M
Q2 24	$86M	$418M	$505M
Q3 24	$58M	$418M	$476M
Q4 24	$47M	$18M	$65M
Q1 25	$124M	$456M	$579M
Q2 25	$103M	$455M	$558M
Q3 25	$102M	$462M	$564M
Q4 25	$21M	$0	$21M
Q1 26	$94M	$0	$94M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q2 22	9M	+0.3%	-0.1%
Q3 22	9M	-1.4%	-1.5%
Q4 22	9M	-0.8%	-1.9%
Q1 23	9M	+0.1%	-1.9%
Q2 23	9M	+0.0%	-2.1%
Q3 23	9M	+0.3%	-0.4%
Q4 23	9M	-0.5%	-0.0%
Q1 24	9M	+0.0%	-0.1%
Q2 24	9M	+0.3%	+0.2%
Q3 24	9M	+0.1%	-0.1%
Q4 24	9M	-0.1%	+0.3%
Q1 25	10M	+15.1%	+15.4%
Q2 25	10M	+6.8%	+22.8%
Q3 25	10M	-0.3%	+22.3%
Q4 25	10M	-0.7%	+21.7%
Q1 26	10M	-0.2%	+5.5%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q2 22	$67.4K	397
Q3 22	$73.6K	397
Q4 22	$75.3K	397
Q1 23	$72.8K	397
Q2 23	$73.3K	397
Q3 23	$76.9K	397
Q4 23	$63.6K	413
Q1 24	$76.6K	413
Q2 24	$80.6K	413
Q3 24	$82.5K	413
Q4 24	$84.9K	391
Q1 25	$111.2K	391
Q2 25	$128.5K	391
Q3 25	$130.2K	391
Q4 25	$91.9K	501
Q1 26	$100.8K	501

Revenue / Employee