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ACNB CORP

ACNB

$65.43 ▼ -1.95 (-2.89%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Neutral

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Analytical Summary

ACNB CORP shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $671.3M

Dividend Yield 2.11%

Revenue Growth None

Op. Margin None

ROIC None

FCF / Share None

Trailing P/E 18.1x

Price / Book 1.6x

FCF Yield —

Debt / Equity 0.76

info Valuation on last close. End-of-day price, Nov 5, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$105.23M

↑ +11.9% —

Net Income Profit after all expenses

$37.05M

↑ +16.3% —

Operating Margin Operating profit as % of sales

42.7%

↑ +14.7% —

Long-Term Debt Long-term obligations

$255.38M

— 0.0% —

Health Breakdown

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.38 Latest / share

+9.5% YoY

+5.4% 12-yr CAGR

$0.77

FY 2014

$0.80

FY 2015

$0.80

FY 2016

$0.80

FY 2017

$0.89

FY 2018

$0.98

FY 2019

$1.00

FY 2020

$1.03

FY 2021

$1.06

FY 2022

$1.14

FY 2023

$1.26

FY 2024

$1.38

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	—	—	—	11.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+99%)	0.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-85%)	20.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+234%)	6.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	20.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+246%)	21.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+259%)	3.7% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-39%)	4.9% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-19%)	1.0% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-83%)	-1.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-132%)	0.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-96%)	-2.3% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-138%)	7.4% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+23%)	—	—
EPS Growth YoY (%)	-3.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	0.8% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-10.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	30.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	49.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-36.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	8.7% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	106.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-16.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-1.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	7.0% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	9.6% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	4.7% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	4.2% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	0.7% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	16.4% Good Good Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	16.3% Good ↑ Good Improving Year-over-year change in net income	0.5% Caution ↓ Caution Declining Year-over-year change in net income	-11.4% Weak ↓ Weak Declining Year-over-year change in net income	28.4% Excellent ↑ Excellent Improving Year-over-year change in net income	51.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-22.5% Weak ↓ Weak Declining Year-over-year change in net income	9.1% Fair ↓ Fair Declining Year-over-year change in net income	122.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-9.9% Weak ↓ Weak Declining Year-over-year change in net income	-1.3% Weak ↓ Weak Declining Year-over-year change in net income	7.1% Fair ↑ Fair Improving Year-over-year change in net income	10.5% Fair ↑ Fair Improving Year-over-year change in net income	4.8% Caution ↓ Caution Declining Year-over-year change in net income	4.5% Caution ↓ Caution Declining Year-over-year change in net income	1.0% Caution Caution Year-over-year change in net income	16.6% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	—	—	—	10.7% Good ↓ Good Declining Compound annual revenue growth over 3 years	8.8% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	15.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	15.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	15.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	9.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.2% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	1.3% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-0.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.3% Weak Weak Compound annual revenue growth over 3 years	1.7% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	—	—	—	11.7% Good ↓ Good Declining Compound annual revenue growth over 5 years	13.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	14.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	11.1% Good ↑ Good Improving Compound annual revenue growth over 5 years	10.0% Good ↑ Good Improving Compound annual revenue growth over 5 years	5.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	1.5% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	0.3% Weak Weak Compound annual revenue growth over 5 years	0.8% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-4.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	5.5% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	20.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	7.3% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	1.1% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	12.4% Good → Good Stable Compound annual EPS growth over 3 years	23.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	19.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-4.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	4.9% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	7.1% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	6.1% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	3.2% Caution Caution Compound annual EPS growth over 3 years	6.9% Fair Fair Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	—	—	—	42.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+71%)	37.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	24.4% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	20.2% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.2% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	—	—	—	34.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	29.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	19.7% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	30.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	29.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	16.2% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	21.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	19.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	18.4% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	17.8% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	16.4% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	8.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	10.5% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-12%)	11.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	14.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+22%)	10.2% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	7.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	12.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+8%)	6.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	9.1% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	9.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	—	—	—	—	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.76x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-36%)	0.89x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-25%)	0.91x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-24%)	0.26x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	0.26x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	0.36x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-70%)	0.53x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-56%)	0.70x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-41%)	0.85x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-29%)	0.91x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-24%)	0.97x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-19%)	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	—	—	—	$12.20	$10.79	$10.78	$10.99	$10.38	$9.25	$8.22	$7.97	$7.63	$7.58	$7.76	$7.77	—	—	—
Basic EPS, GAAP (USD)	$3.61	$3.75	$3.72	$4.15	$3.19	$2.13	$3.36	$3.09	$1.50	$1.80	$1.83	$1.71	$1.56	$1.49	$1.43	$1.42	$1.22	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.38	$1.26	$1.14	$1.06	$1.03	$1.00	$0.98	$0.89	$0.80	$0.80	$0.80	$0.77	$0.76	$0.76	$0.76	$0.76	$0.76	—
Book Value per Share (USD)	$40.49	$35.45	$32.60	$28.78	$31.35	$29.62	$26.77	$23.86	$21.92	$19.80	$18.99	—	—	—	—	—	—	—
Tangible Book Value per Share (USD)	$32.11	$29.37	$26.34	$22.37	$25.80	$23.95	$23.38	$20.46	$18.77	$18.64	$17.78	—	—	—	—	—	—	—
Basic Weighted Avg Shares (shares)	10.26M	8.50M	8.51M	8.62M	8.71M	8.64M	7.06M	7.04M	6.54M	6.05M	6.03M	6.00M	5.98M	5.95M	5.94M	—	—	—
Dividend Payout Ratio (%)	38.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	33.6% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	30.6% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	25.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	32.3% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	46.9% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	29.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	28.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	53.3% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	44.4% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	43.7% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	45.0% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	48.7% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	51.0% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	53.1% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	53.5% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	62.3% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$255.38M	$255.33M	$195.29M	$21.00M	$34.70M	$53.74M	$66.30M	$83.52M	$94.60M	$74.25M	$76.50M	$80.94M	$82.70M	$59.95M	$71.19M	$81.50M	—	—
Total Equity (USD)	$419.97M	$303.27M	$277.46M	$245.04M	$272.11M	$257.97M	$189.52M	$168.14M	$153.97M	$120.06M	$114.72M	—	—	—	—	—	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	—	—	—	$105.23M	$94.02M	$93.16M	$77.59M	$73.04M	$60.50M	$49.77M	$48.01M	$45.78M	$45.31M	$46.21M	$46.11M	$47.19M	$43.95M	—
Depreciation Expense (USD)	$6.74M	$3.03M	$3.36M	$2.30M	$2.28M	$2.39M	$2.08M	$2.11M	$1.75M	$1.46M	$1.42M	$1.41M	$1.35M	$1.40M	$1.58M	—	—	—
Net Income, GAAP (USD)	$37.05M	$31.85M	$31.69M	$35.75M	$27.83M	$18.39M	$23.72M	$21.75M	$9.79M	$10.87M	$11.02M	$10.29M	$9.31M	$8.89M	$8.50M	$8.42M	$7.22M	—
Operating Cash Flow (USD)	$53.64M	$39.78M	$40.60M	$39.20M	$42.13M	$25.47M	$25.72M	$29.54M	$17.01M	$12.12M	$14.38M	$10.81M	$17.99M	$9.30M	$18.15M	$8.91M	$10.41M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	—	—	—	3.3%	2.6%	2.9%	3.5%	3.5%	2.9%	3.0%	3.1%	3.1%	3.2%	3.3%	3.4%	3.6%	—	—
Efficiency Ratio (%) (%)	—	—	—	57.3%	62.7%	65.8%	61.4%	61.2%	72.9%	70.6%	69.2%	70.5%	70.6%	65.6%	65.1%	64.2%	69.7%	—

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Synced 4 days ago 18 years · 68 quarters

ACNB CORP

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