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ACNB (ACNB) Financials

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$41.98 -0.50 (-1.18%)
Closing price 05/23/2025 04:00 PM Eastern
Extended Trading
$42.02 +0.04 (+0.10%)
As of 05/23/2025 04:04 PM Eastern
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Annual Income Statements for ACNB

Annual Income Statements for ACNB

This table shows ACNB's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 32 32 36
Consolidated Net Income / (Loss)		 32 32 36
Net Income / (Loss) Continuing Operations		 32 32 36
Total Pre-Tax Income 		40 40 45
Total Revenue		 108 107 105
Net Interest Income / (Expense)		 84 88 83
Total Interest Income		 107 97 87
Loans and Leases Interest Income		 92 81 70
Investment Securities Interest Income		 13 12 11
Other Interest Income		 2.83 3.32 5.76
Total Interest Expense		 24 8.32 3.62
Deposits Interest Expense		 11 3.70 2.56
Short-Term Borrowings Interest Expense		 0.86 0.90 0.08
Long-Term Debt Interest Expense		 12 3.73 0.99
Total Non-Interest Income		 25 18 22
Other Service Charges		 11 10 9.35
Net Realized & Unrealized Capital Gains on Investments		 0.06 -4.89 -0.11
Other Non-Interest Income		 14 13 13
Provision for Credit Losses		 -2.76 0.84 0.00
Total Non-Interest Expense		 71 66 60
Salaries and Employee Benefits		 43 41 36
Net Occupancy & Equipment Expense		 11 10 11
Other Operating Expenses		 13 13 12
Amortization Expense		 1.24 1.42 1.49
Restructuring Charge		 2.05 0.00 0.00
Income Tax Expense		 8.57 8.16 9.20
Basic Earnings per Share		 $3.75 $3.72 $4.15
Weighted Average Basic Shares Outstanding		 8.50M 8.51M 8.62M
Diluted Earnings per Share		 $3.73 $3.71 $4.15
Weighted Average Diluted Shares Outstanding		 8.54M 8.54M 8.62M
Weighted Average Basic & Diluted Shares Outstanding		 10.54M 8.51M 8.51M
Cash Dividends to Common per Share		 $1.26 $1.14 $1.06

Quarterly Income Statements for ACNB

This table shows ACNB's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 6.60 7.20 11 6.77 4.10 9.04 9.52 9.02 10 10
Consolidated Net Income / (Loss)		 6.60 7.20 11 6.77 4.10 9.04 9.52 9.02 10 10
Net Income / (Loss) Continuing Operations		 6.60 7.20 11 6.77 4.10 9.04 9.52 9.02 10 10
Total Pre-Tax Income 		8.23 9.41 14 8.53 4.75 12 12 11 13 13
Total Revenue		 27 28 27 26 22 28 28 28 29 28
Net Interest Income / (Expense)		 21 21 21 21 21 22 22 23 24 23
Total Interest Income		 27 27 27 26 25 24 23 24 25 23
Loans and Leases Interest Income		 24 23 23 22 22 21 19 19 19 18
Investment Securities Interest Income		 3.07 3.15 3.20 3.44 2.95 2.87 3.02 3.64 3.25 3.04
Other Interest Income		 0.73 0.67 0.68 0.75 0.69 0.72 0.89 1.01 2.47 2.13
Total Interest Expense		 6.27 6.30 5.91 5.38 3.79 2.49 1.22 0.82 0.85 0.86
Deposits Interest Expense		 3.28 3.11 2.64 2.16 1.81 0.93 0.49 0.47 0.57 0.61
Short-Term Borrowings Interest Expense		 0.01 0.20 0.30 0.34 0.33 0.44 0.11 0.02 0.02 0.02
Long-Term Debt Interest Expense		 2.98 2.98 2.96 2.88 1.65 1.12 0.63 0.33 0.26 0.23
Total Non-Interest Income		 5.80 6.83 6.43 5.67 0.97 6.30 6.19 4.98 5.42 5.85
Other Service Charges		 2.31 3.13 2.97 2.31 2.20 3.04 3.13 2.07 2.09 2.79
Net Realized & Unrealized Capital Gains on Investments		 -0.03 0.03 0.00 0.06 -4.46 -0.01 -0.24 -0.17 0.23 -0.09
Other Non-Interest Income		 3.52 3.68 3.46 3.30 3.23 3.27 3.30 3.08 3.10 3.15
Provision for Credit Losses		 0.37 0.12 -3.25 0.00 0.54 0.08 -0.15 0.37 - 0.00
Total Non-Interest Expense		 18 18 16 18 17 16 16 16 17 15
Salaries and Employee Benefits		 10 11 10 11 11 10 9.82 10 9.79 9.32
Net Occupancy & Equipment Expense		 3.42 2.64 2.56 2.86 2.66 2.50 2.63 2.64 3.02 2.52
Other Operating Expenses		 3.71 3.04 3.00 3.23 4.04 3.26 3.31 2.68 3.69 3.03
Amortization Expense		 0.30 0.30 0.32 0.32 0.35 0.35 0.36 0.36 0.40 0.40
Income Tax Expense		 1.64 2.21 2.97 1.76 0.65 2.58 2.53 2.40 2.60 2.73
Basic Earnings per Share		 $0.78 $0.85 $1.32 $0.80 $0.48 $1.06 $1.12 $1.06 $1.20 $1.20
Weighted Average Basic Shares Outstanding		 8.50M 8.51M 8.55M 8.54M 8.51M 8.52M 8.56M 8.52M 8.62M 8.51M
Diluted Earnings per Share		 $0.77 $0.84 $1.32 $0.80 $0.47 $1.06 $1.12 $1.06 $1.20 $1.20
Weighted Average Diluted Shares Outstanding		 8.54M 8.55M 8.55M 8.54M 8.54M 8.55M 8.56M 8.52M 8.62M 8.51M
Weighted Average Basic & Diluted Shares Outstanding		 10.54M 8.55M 8.55M 8.54M 8.51M 8.51M 8.56M 8.52M 8.51M 8.51M

Annual Cash Flow Statements for ACNB

This table details how cash moves in and out of ACNB's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 -19 -102 -542
Net Cash From Operating Activities		 40 41 39
Net Cash From Continuing Operating Activities		 40 41 39
Net Income / (Loss) Continuing Operations		 32 32 36
Consolidated Net Income / (Loss)		 32 32 36
Provision For Loan Losses		 -2.76 0.84 0.00
Depreciation Expense		 3.03 3.36 3.80
Amortization Expense		 1.70 0.69 2.16
Non-Cash Adjustments to Reconcile Net Income		 -0.14 6.23 2.34
Changes in Operating Assets and Liabilities, net		 6.11 -2.21 -4.85
Net Cash From Investing Activities		 2.43 15 -332
Net Cash From Continuing Investing Activities		 2.43 15 -332
Purchase of Property, Leasehold Improvements and Equipment		 -0.96 -1.17 -1.81
Purchase of Investment Securities		 -56 -147 -398
Sale of Property, Leasehold Improvements and Equipment		 0.00 0.00 1.09
Sale and/or Maturity of Investments		 60 163 66
Other Investing Activities, net		 0.00 0.00 0.42
Net Cash From Financing Activities		 -61 -158 -249
Net Cash From Continuing Financing Activities		 -61 -158 -249
Net Change in Deposits		 -69 -337 -227
Issuance of Debt		 19 190 8.25
Issuance of Common Equity		 0.42 0.72 0.71
Repayment of Debt		 0.00 0.00 -15
Repurchase of Common Equity		 -0.25 -2.03 -6.68
Payment of Dividends		 -11 -9.70 -9.12
Cash Interest Paid		 23 7.16 3.68
Cash Income Taxes Paid		 6.63 10 7.23

Quarterly Cash Flow Statements for ACNB

This table details how cash moves in and out of ACNB's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -11 -28 33 -13 1.92 -20 -30 -54 -189 -39
Net Cash From Operating Activities		 5.71 14 9.71 11 8.61 7.52 9.55 15 9.73 13
Net Cash From Continuing Operating Activities		 5.71 14 9.71 11 8.61 7.52 9.55 15 9.73 13
Net Income / (Loss) Continuing Operations		 6.60 7.20 11 6.77 4.10 9.04 9.52 9.02 10 10
Consolidated Net Income / (Loss)		 6.60 7.20 11 6.77 4.10 9.04 9.52 9.02 10 10
Provision For Loan Losses		 0.29 0.12 -3.25 0.07 0.54 0.08 -0.15 0.37 - -
Depreciation Expense		 0.77 0.74 0.76 0.77 0.80 0.83 0.85 0.88 1.01 0.95
Amortization Expense		 0.40 0.43 0.45 0.41 0.20 -0.44 0.49 0.45 1.17 -0.15
Non-Cash Adjustments to Reconcile Net Income		 5.34 -2.92 -2.53 -0.03 11 -4.05 0.05 -0.97 -0.45 -0.01
Changes in Operating Assets and Liabilities, net		 -7.69 7.97 3.00 2.83 -8.23 2.07 -1.21 5.16 -2.20 1.94
Net Cash From Investing Activities		 6.71 19 -9.07 -15 -13 -33 -1.71 63 -56 -30
Net Cash From Continuing Investing Activities		 6.71 19 -9.07 -15 -13 -33 -1.71 63 -56 -30
Purchase of Property, Leasehold Improvements and Equipment		 -0.37 -0.22 -0.29 -0.08 -0.99 -0.07 -0.05 -0.06 -0.61 -0.49
Purchase of Investment Securities		 -6.01 3.46 -16 -38 -65 -42 -45 4.94 -86 -44
Sale and/or Maturity of Investments		 13 16 6.84 24 53 9.05 43 58 22 15
Net Cash From Financing Activities		 -23 -61 33 -9.10 6.41 5.25 -38 -132 -143 -21
Net Cash From Continuing Financing Activities		 -23 -61 33 -9.10 6.41 5.25 -38 -132 -143 -21
Net Change in Deposits		 1.18 -47 3.36 -27 -90 -12 -92 -143 -137 -28
Issuance of Debt		 -41 - - 60 90 40 35 25 0.31 13
Issuance of Common Equity		 0.24 0.24 0.19 -0.23 0.18 0.17 0.19 0.19 -0.31 0.17
Repayment of Debt		 19 -11 32 -40 8.85 -19 21 -12 -3.05 -0.60
Payment of Dividends		 -2.72 -2.72 -2.72 -2.55 -2.55 -2.38 -2.39 -2.38 -2.38 -2.21
Cash Interest Paid		 6.25 5.96 5.56 5.32 3.44 1.92 1.06 0.75 0.85 0.86
Cash Income Taxes Paid		 2.45 2.68 1.50 0.00 2.68 2.55 4.80 0.00 2.83 1.95

Annual Balance Sheets for ACNB

This table presents ACNB's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Total Assets		 2,395 2,419 2,526
Cash and Due from Banks		 16 21 40
Interest Bearing Deposits at Other Banks		 31 45 128
Trading Account Securities		 460 518 620
Loans and Leases, Net of Allowance		 1,666 1,608 -18
Loans and Leases		 1,683 1,628 -
Allowance for Loan and Lease Losses		 17 20 18
Premises and Equipment, Net		 25 26 27
Goodwill		 44 44 44
Intangible Assets		 7.84 9.08 10
Other Assets		 145 148 1,652
Total Liabilities & Shareholders' Equity		 2,395 2,419 2,526
Total Liabilities		 2,092 2,141 2,280
Non-Interest Bearing Deposits		 452 500 595
Interest Bearing Deposits		 1,341 1,361 1,604
Short-Term Debt		 16 57 42
Long-Term Debt		 255 195 21
Other Long-Term Liabilities		 28 27 19
Total Equity & Noncontrolling Interests		 303 277 245
Total Preferred & Common Equity		 303 277 245
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 303 277 245
Common Stock		 122 120 118
Retained Earnings		 235 213 194
Treasury Stock		 -11 -11 -8.93
Accumulated Other Comprehensive Income / (Loss)		 -42 -45 -58

Quarterly Balance Sheets for ACNB

This table presents ACNB's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 2,421 2,458 2,414 2,389 2,378 2,411 2,654
Cash and Due from Banks		 25 27 17 23 25 25 25
Interest Bearing Deposits at Other Banks		 33 60 36 41 59 89 332
Trading Account Securities		 485 486 491 501 518 568 572
Loans and Leases, Net of Allowance		 1,660 1,662 1,645 0.00 0.00 0.00 0.00
Loans and Leases		 1,677 1,680 1,665 - - - -
Allowance for Loan and Lease Losses		 17 17 20 - - - -
Premises and Equipment, Net		 26 26 26 26 26 27 27
Goodwill		 44 44 44 44 44 44 44
Intangible Assets		 8.14 8.45 8.76 9.43 9.61 9.97 11
Other Assets		 140 145 147 1,744 1,696 1,648 1,643
Total Liabilities & Shareholders' Equity		 2,421 2,458 2,414 2,389 2,378 2,411 2,654
Total Liabilities		 2,114 2,168 2,134 2,133 2,121 2,155 2,422
Non-Interest Bearing Deposits		 464 480 500 566 570 594 589
Interest Bearing Deposits		 1,328 1,359 1,336 1,386 1,394 1,461 1,747
Short-Term Debt		 38 49 17 33 52 30 42
Long-Term Debt		 255 255 255 120 81 46 24
Other Long-Term Liabilities		 30 26 27 28 25 23 20
Total Equity & Noncontrolling Interests		 307 289 280 256 257 256 232
Total Preferred & Common Equity		 307 289 280 256 257 256 232
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 307 289 280 256 257 256 232
Common Stock		 121 121 120 119 119 119 118
Retained Earnings		 231 226 218 212 205 198 186
Treasury Stock		 -11 -11 -11 -11 -8.96 -8.96 -8.93
Accumulated Other Comprehensive Income / (Loss)		 -34 -46 -47 -65 -58 -52 -63

Annual Metrics And Ratios for ACNB

This table displays calculated financial ratios and metrics derived from ACNB's official financial filings.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 1.48% 1.46% 11.93%
EBITDA Growth		 2.85% -13.76% 26.98%
EBIT Growth		 1.43% -11.35% 28.36%
NOPAT Growth		 0.50% -11.37% 28.45%
Net Income Growth		 0.50% -11.37% 28.45%
EPS Growth		 0.54% -10.60% 0.00%
Operating Cash Flow Growth		 -2.02% 3.57% -6.94%
Free Cash Flow Firm Growth		 93.18% -372.25% 93.82%
Invested Capital Growth		 8.46% 71.96% -9.95%
Revenue Q/Q Growth		 4.29% -6.16% 6.57%
EBITDA Q/Q Growth		 8.62% -17.37% 20.11%
EBIT Q/Q Growth		 9.23% -16.81% 19.62%
NOPAT Q/Q Growth		 8.51% -16.15% 18.98%
Net Income Q/Q Growth		 8.51% -16.15% 18.98%
EPS Q/Q Growth		 8.75% -16.44% 0.00%
Operating Cash Flow Q/Q Growth		 -6.81% -2.68% 3.75%
Free Cash Flow Firm Q/Q Growth		 91.98% -159.58% -20.83%
Invested Capital Q/Q Growth		 -4.24% 29.49% 3.33%
Profitability Metrics		 - - -
EBITDA Margin		 41.68% 41.12% 48.37%
EBIT Margin		 37.31% 37.32% 42.72%
Profit (Net Income) Margin		 29.39% 29.68% 33.97%
Tax Burden Percent		 78.79% 79.52% 79.54%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 21.21% 20.48% 20.46%
Return on Invested Capital (ROIC)		 5.77% 7.57% 11.00%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.77% 7.57% 11.00%
Return on Net Nonoperating Assets (RNNOA)		 5.20% 4.56% 2.83%
Return on Equity (ROE)		 10.97% 12.13% 13.83%
Cash Return on Invested Capital (CROIC)		 -2.35% -45.35% 21.47%
Operating Return on Assets (OROA)		 1.68% 1.61% 1.69%
Return on Assets (ROA)		 1.32% 1.28% 1.35%
Return on Common Equity (ROCE)		 10.97% 12.13% 13.83%
Return on Equity Simple (ROE_SIMPLE)		 10.50% 11.42% 14.59%
Net Operating Profit after Tax (NOPAT)		 32 32 36
NOPAT Margin		 29.39% 29.68% 33.97%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 50.22% 48.10% 44.35%
Operating Expenses to Revenue		 65.24% 61.89% 57.28%
Earnings before Interest and Taxes (EBIT)		 40 40 45
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 45 44 51
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.11 1.32 1.28
Price to Tangible Book Value (P/TBV)		 1.34 1.63 1.65
Price to Revenue (P/Rev)		 3.12 3.42 2.99
Price to Earnings (P/E)		 10.61 11.54 8.80
Dividend Yield		 3.19% 2.65% 2.87%
Earnings Yield		 9.43% 8.67% 11.36%
Enterprise Value to Invested Capital (EV/IC)		 0.98 1.04 0.68
Enterprise Value to Revenue (EV/Rev)		 5.18 5.17 1.99
Enterprise Value to EBITDA (EV/EBITDA)		 12.44 12.57 4.11
Enterprise Value to EBIT (EV/EBIT)		 13.90 13.85 4.66
Enterprise Value to NOPAT (EV/NOPAT)		 17.64 17.41 5.86
Enterprise Value to Operating Cash Flow (EV/OCF)		 14.12 13.59 5.34
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 3.00
Leverage & Solvency		 - - -
Debt to Equity		 0.89 0.91 0.26
Long-Term Debt to Equity		 0.84 0.70 0.09
Financial Leverage		 0.90 0.60 0.26
Leverage Ratio		 8.29 9.46 10.27
Compound Leverage Factor		 8.29 9.46 10.27
Debt to Total Capital		 47.20% 47.61% 20.44%
Short-Term Debt to Total Capital		 2.76% 10.74% 13.62%
Long-Term Debt to Total Capital		 44.45% 36.87% 6.82%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 52.80% 52.39% 79.56%
Debt to EBITDA		 6.01 5.74 1.24
Net Debt to EBITDA		 4.96 4.24 -2.07
Long-Term Debt to EBITDA		 5.65 4.45 0.41
Debt to NOPAT		 8.51 7.96 1.76
Net Debt to NOPAT		 7.03 5.88 -2.94
Long-Term Debt to NOPAT		 8.02 6.16 0.59
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 -13 -190 70
Operating Cash Flow to CapEx		 4,143.96% 3,476.20% 5,459.75%
Free Cash Flow to Firm to Interest Expense		 -0.54 -22.83 19.25
Operating Cash Flow to Interest Expense		 1.67 4.88 10.82
Operating Cash Flow Less CapEx to Interest Expense		 1.63 4.74 10.62
Efficiency Ratios		 - - -
Asset Turnover		 0.05 0.04 0.04
Fixed Asset Turnover		 4.19 4.00 3.63
Capital & Investment Metrics		 - - -
Invested Capital		 574 530 308
Invested Capital Turnover		 0.20 0.25 0.32
Increase / (Decrease) in Invested Capital		 45 222 -34
Enterprise Value (EV)		 562 552 209
Market Capitalization		 338 366 315
Book Value per Share		 $35.48 $32.61 $28.79
Tangible Book Value per Share		 $29.39 $26.35 $22.39
Total Capital		 574 530 308
Total Debt		 271 252 63
Total Long-Term Debt		 255 195 21
Net Debt		 224 186 -105
Capital Expenditures (CapEx)		 0.96 1.17 0.72
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 271 252 63
Total Depreciation and Amortization (D&A)		 4.74 4.05 5.95
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $3.75 $3.72 $4.15
Adjusted Weighted Average Basic Shares Outstanding		 8.50M 8.51M 8.51M
Adjusted Diluted Earnings per Share		 $3.73 $3.71 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 8.54M 8.51M 8.51M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 10.54M 8.51M 8.51M
Normalized Net Operating Profit after Tax (NOPAT)		 33 32 36
Normalized NOPAT Margin		 30.88% 29.68% 33.97%
Pre Tax Income Margin		 37.31% 37.32% 42.72%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 1.69 4.79 12.40
NOPAT to Interest Expense		 1.34 3.81 9.87
EBIT Less CapEx to Interest Expense		 1.65 4.65 12.21
NOPAT Less CapEx to Interest Expense		 1.29 3.67 9.67
Payout Ratios		 - - -
Dividend Payout Ratio		 33.64% 30.62% 25.50%
Augmented Payout Ratio		 34.42% 37.01% 44.19%

Quarterly Metrics And Ratios for ACNB

This table displays calculated financial ratios and metrics derived from ACNB's official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 19.82% -0.95% -2.81% -6.47% -23.78% -1.15% 8.90% 30.51% 28.23% 21.89%
EBITDA Growth		 62.38% -11.86% 15.42% -23.31% -61.63% -13.29% 14.13% 23.31% 132.05% 29.13%
EBIT Growth		 71.98% -19.07% 18.20% -24.72% -62.92% -10.90% 10.86% 38.77% 135.86% 40.34%
NOPAT Growth		 60.97% -20.35% 18.43% -24.99% -59.83% -12.40% 10.36% 36.73% 126.90% 40.27%
Net Income Growth		 60.97% -20.35% 18.43% -24.99% -59.83% -12.40% 10.36% 36.73% 126.90% 40.27%
EPS Growth		 63.83% -20.75% 17.86% -24.53% -60.83% -11.67% 13.13% 39.47% 0.00% 0.00%
Operating Cash Flow Growth		 -33.74% 80.26% 1.59% -27.49% -11.48% -42.43% 3.25% 108.34% 17.05% 51.02%
Free Cash Flow Firm Growth		 82.44% -80.16% -141.90% -3,007.23% -591.97% -248.99% -235.36% -115.32% 249.28% 284.92%
Invested Capital Growth		 8.46% 46.65% 52.30% 66.36% 71.96% 37.23% 29.65% 5.03% -9.95% -16.31%
Revenue Q/Q Growth		 -3.10% 1.40% 4.31% 16.90% -19.90% -0.50% 0.38% -4.73% 3.88% 9.62%
EBITDA Q/Q Growth		 -11.87% -31.53% 58.12% 72.57% -52.16% -10.35% 5.07% -14.85% 8.11% 18.00%
EBIT Q/Q Growth		 -13.26% -33.96% 65.72% 84.23% -59.18% -3.55% 5.55% -10.76% -1.92% 20.00%
NOPAT Q/Q Growth		 -8.45% -36.13% 66.65% 65.19% -54.70% -5.04% 5.55% -11.53% -1.21% 19.63%
Net Income Q/Q Growth		 -8.45% -36.13% 66.65% 65.19% -54.70% -5.04% 5.55% -11.53% -1.21% 19.63%
EPS Q/Q Growth		 -8.33% -36.36% 65.00% 70.21% -55.66% -5.36% 5.66% -11.67% 0.00% 21.21%
Operating Cash Flow Q/Q Growth		 -57.90% 39.63% -10.28% 25.63% 14.54% -21.31% -35.96% 53.36% -25.51% 41.13%
Free Cash Flow Firm Q/Q Growth		 79.19% 4.65% 9.86% 1.80% -113.44% -28.03% -1,057.92% -115.55% -35.36% 16.31%
Invested Capital Q/Q Growth		 -4.24% 1.05% 7.44% 4.32% 29.49% 4.94% 17.35% 7.84% 3.33% -0.86%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 34.66% 38.11% 56.45% 37.24% 25.58% 42.83% 47.53% 45.41% 50.81% 48.82%
EBIT Margin		 30.33% 33.88% 52.02% 32.74% 21.13% 41.46% 42.77% 40.68% 43.43% 46.00%
Profit (Net Income) Margin		 24.50% 25.94% 41.18% 25.77% 18.24% 32.25% 33.79% 32.14% 34.61% 36.39%
Tax Burden Percent		 80.09% 76.56% 79.16% 79.38% 86.33% 77.78% 79.00% 79.00% 79.69% 79.12%
Interest Burden Percent		 100.88% 100.00% 100.00% 99.16% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 19.91% 23.44% 20.84% 20.62% 13.67% 22.22% 21.00% 21.00% 20.31% 20.88%
Return on Invested Capital (ROIC)		 4.81% 5.34% 8.72% 6.12% 4.65% 10.38% 11.17% 11.08% 11.21% 10.99%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.81% 5.34% 8.72% 6.12% 4.65% 10.38% 11.17% 11.08% 11.21% 10.99%
Return on Net Nonoperating Assets (RNNOA)		 4.33% 4.24% 6.98% 3.98% 2.80% 4.66% 4.13% 2.96% 2.88% 3.32%
Return on Equity (ROE)		 9.14% 9.58% 15.70% 10.10% 7.45% 15.04% 15.30% 14.04% 14.08% 14.31%
Cash Return on Invested Capital (CROIC)		 -2.35% -32.01% -35.11% -43.17% -45.35% -20.70% -14.50% 6.87% 21.47% 26.94%
Operating Return on Assets (OROA)		 1.37% 1.46% 2.24% 1.42% 0.91% 1.87% 1.93% 1.76% 1.72% 1.67%
Return on Assets (ROA)		 1.10% 1.12% 1.77% 1.12% 0.79% 1.46% 1.52% 1.39% 1.37% 1.32%
Return on Common Equity (ROCE)		 9.14% 9.58% 15.70% 10.10% 7.45% 15.04% 15.30% 14.04% 14.08% 14.31%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 9.57% 10.78% 10.51% 0.00% 14.78% 15.20% 14.92% 0.00% 12.93%
Net Operating Profit after Tax (NOPAT)		 6.60 7.20 11 6.77 4.10 9.04 9.52 9.02 10 10
NOPAT Margin		 24.50% 25.94% 41.18% 25.77% 18.24% 32.25% 33.79% 32.14% 34.61% 36.39%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 51.04% 49.54% 47.73% 53.75% 59.00% 45.37% 44.73% 47.16% 43.47% 41.94%
Operating Expenses to Revenue		 68.32% 65.69% 59.84% 67.26% 76.45% 58.26% 57.77% 57.99% 56.57% 54.00%
Earnings before Interest and Taxes (EBIT)		 8.16 9.41 14 8.60 4.75 12 12 11 13 13
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 9.33 11 15 9.78 5.75 12 13 13 15 14
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.11 1.22 1.07 1.13 1.32 1.02 1.06 1.04 1.28 1.04
Price to Tangible Book Value (P/TBV)		 1.34 1.47 1.31 1.39 1.63 1.30 1.34 1.31 1.65 1.36
Price to Revenue (P/Rev)		 3.12 3.59 2.97 3.02 3.42 2.30 2.39 2.37 2.99 2.45
Price to Earnings (P/E)		 10.61 12.72 9.93 10.76 11.54 6.93 6.99 6.95 8.80 8.06
Dividend Yield		 3.19% 2.84% 3.31% 3.12% 2.65% 3.67% 3.43% 3.47% 2.87% 3.67%
Earnings Yield		 9.43% 7.86% 10.07% 9.30% 8.67% 14.44% 14.31% 14.40% 11.36% 12.40%
Enterprise Value to Invested Capital (EV/IC)		 0.98 1.01 0.89 0.97 1.04 0.86 0.83 0.68 0.68 0.00
Enterprise Value to Revenue (EV/Rev)		 5.18 5.85 5.07 5.11 5.17 3.09 2.82 2.03 1.99 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 12.44 14.63 12.27 13.10 12.57 6.61 5.85 4.27 4.11 0.00
Enterprise Value to EBIT (EV/EBIT)		 13.90 16.44 13.46 14.48 13.85 7.33 6.52 4.72 4.66 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 17.64 20.72 16.92 18.21 17.41 9.29 8.23 5.96 5.86 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 14.12 14.25 14.40 14.69 13.59 8.41 6.81 4.84 5.34 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10.21 3.00 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.89 0.96 1.05 0.97 0.91 0.60 0.52 0.30 0.26 0.28
Long-Term Debt to Equity		 0.84 0.83 0.88 0.91 0.70 0.47 0.32 0.18 0.09 0.10
Financial Leverage		 0.90 0.79 0.80 0.65 0.60 0.45 0.37 0.27 0.26 0.30
Leverage Ratio		 8.29 8.55 8.85 9.01 9.46 10.33 10.04 10.08 10.27 10.85
Compound Leverage Factor		 8.36 8.55 8.85 8.93 9.46 10.33 10.04 10.08 10.27 10.85
Debt to Total Capital		 47.20% 48.86% 51.26% 49.34% 47.61% 37.50% 34.05% 22.97% 20.44% 22.04%
Short-Term Debt to Total Capital		 2.76% 6.30% 8.25% 3.13% 10.74% 8.09% 13.26% 9.12% 13.62% 13.97%
Long-Term Debt to Total Capital		 44.45% 42.56% 43.01% 46.21% 36.87% 29.41% 20.78% 13.85% 6.82% 8.07%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 52.80% 51.14% 48.74% 50.66% 52.39% 62.50% 65.95% 77.03% 79.56% 77.96%
Debt to EBITDA		 6.01 7.05 7.08 6.66 5.74 2.89 2.41 1.43 1.24 1.55
Net Debt to EBITDA		 4.96 5.65 5.07 5.36 4.24 1.68 0.89 -0.71 -2.07 -6.87
Long-Term Debt to EBITDA		 5.65 6.14 5.94 6.24 4.45 2.26 1.47 0.86 0.41 0.57
Debt to NOPAT		 8.51 9.99 9.76 9.26 7.96 4.06 3.40 2.00 1.76 2.19
Net Debt to NOPAT		 7.03 8.01 6.99 7.46 5.88 2.36 1.25 -0.99 -2.94 -9.70
Long-Term Debt to NOPAT		 8.02 8.70 8.19 8.67 6.16 3.18 2.07 1.20 0.59 0.80
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -38 -184 -193 -214 -218 -102 -80 -6.88 44 68
Operating Cash Flow to CapEx		 1,529.76% 6,104.50% 3,381.88% 13,869.23% 866.30% 11,055.88% 19,904.17% 25,722.41% 1,607.93% 2,687.04%
Free Cash Flow to Firm to Interest Expense		 -6.09 -29.15 -32.61 -39.70 -57.38 -40.95 -65.09 -8.41 52.27 79.36
Operating Cash Flow to Interest Expense		 0.91 2.15 1.64 2.01 2.27 3.02 7.81 18.26 11.50 15.15
Operating Cash Flow Less CapEx to Interest Expense		 0.85 2.12 1.60 2.00 2.01 2.99 7.77 18.19 10.78 14.59
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.05 0.04 0.04 0.04 0.04 0.05 0.05 0.04 0.04 0.04
Fixed Asset Turnover		 4.19 4.05 4.01 4.00 4.00 4.31 4.02 3.90 3.63 3.36
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 574 600 594 553 530 409 390 332 308 298
Invested Capital Turnover		 0.20 0.21 0.21 0.24 0.25 0.32 0.33 0.34 0.32 0.30
Increase / (Decrease) in Invested Capital		 45 191 204 220 222 111 89 16 -34 -58
Enterprise Value (EV)		 562 608 528 536 552 351 322 227 209 -50
Market Capitalization		 338 373 310 317 366 262 273 265 315 241
Book Value per Share		 $35.48 $35.90 $33.88 $32.91 $32.61 $29.85 $30.16 $30.05 $28.79 $27.25
Tangible Book Value per Share		 $29.39 $29.77 $27.72 $26.69 $26.35 $23.59 $23.85 $23.69 $22.39 $20.81
Total Capital		 574 600 594 553 530 409 390 332 308 298
Total Debt		 271 293 304 273 252 153 133 76 63 66
Total Long-Term Debt		 255 255 255 255 195 120 81 46 21 24
Net Debt		 224 235 218 219 186 89 49 -38 -105 -291
Capital Expenditures (CapEx)		 0.37 0.22 0.29 0.08 0.99 0.07 0.05 0.06 0.61 0.49
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 271 293 304 273 252 153 133 76 63 66
Total Depreciation and Amortization (D&A)		 1.17 1.18 1.21 1.18 1.00 0.38 1.34 1.33 2.18 0.80
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.78 $0.85 $1.32 $0.80 $0.48 $1.06 $1.12 $1.06 $1.20 $1.20
Adjusted Weighted Average Basic Shares Outstanding		 8.50M 8.51M 8.55M 8.54M 8.51M 8.51M 8.56M 8.52M 8.62M 8.51M
Adjusted Diluted Earnings per Share		 $0.77 $0.84 $1.32 $0.80 $0.47 $1.06 $1.12 $1.06 $1.20 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 8.54M 8.55M 8.55M 8.54M 8.54M 8.51M 8.56M 8.52M 8.62M 8.51M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 10.54M 8.55M 8.55M 8.54M 8.51M 8.51M 8.56M 8.52M 8.51M 8.51M
Normalized Net Operating Profit after Tax (NOPAT)		 6.60 8.07 11 6.77 4.10 9.04 9.52 9.02 10 10
Normalized NOPAT Margin		 24.50% 29.07% 41.18% 25.77% 18.24% 32.25% 33.79% 32.14% 34.61% 36.39%
Pre Tax Income Margin		 30.59% 33.88% 52.02% 32.47% 21.13% 41.46% 42.77% 40.68% 43.43% 46.00%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 1.30 1.49 2.41 1.60 1.25 4.67 9.86 13.98 15.13 15.14
NOPAT to Interest Expense		 1.05 1.14 1.91 1.26 1.08 3.63 7.79 11.04 12.06 11.98
EBIT Less CapEx to Interest Expense		 1.24 1.46 2.36 1.58 0.99 4.64 9.82 13.91 14.41 14.57
NOPAT Less CapEx to Interest Expense		 0.99 1.11 1.86 1.24 0.82 3.61 7.75 10.97 11.34 11.41
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 33.64% 35.90% 32.69% 33.52% 30.62% 25.24% 23.98% 24.21% 25.50% 29.93%
Augmented Payout Ratio		 34.42% 38.29% 39.57% 40.80% 37.01% 29.41% 33.72% 41.79% 44.19% 55.81%

Frequently Asked Questions About ACNB's Financials

When does ACNB's fiscal year end?

According to the most recent income statement we have on file, ACNB's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has ACNB's net income changed over the last 2 years?

ACNB's net income appears to be on a downward trend, with a most recent value of $31.85 million in 2024, falling from $35.75 million in 2022. The previous period was $31.69 million in 2023. View ACNB's forecast to see where analysts expect ACNB to go next.

How has ACNB revenue changed over the last 2 years?

Over the last 2 years, ACNB's total revenue changed from $105.23 million in 2022 to $108.34 million in 2024, a change of 3.0%.

How much debt does ACNB have?

ACNB's total liabilities were at $2.09 billion at the end of 2024, a 2.3% decrease from 2023, and a 8.3% decrease since 2022.

How much cash does ACNB have?

In the past 2 years, ACNB's cash and equivalents has ranged from $16.35 million in 2024 to $40.07 million in 2022, and is currently $16.35 million as of their latest financial filing in 2024.

How has ACNB's book value per share changed over the last 2 years?

Over the last 2 years, ACNB's book value per share changed from 28.79 in 2022 to 35.48 in 2024, a change of 23.2%.


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This page (NASDAQ:ACNB) was last updated on 5/25/2025 by MarketBeat.com Staff
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