ACNB Corporation

NasdaqCM:ACNB Stock Report

Market Cap: US$448.7m

ACNB Past Earnings Performance

Past criteria checks 1/6

ACNB has been growing earnings at an average annual rate of 9.8%, while the Banks industry saw earnings growing at 5.2% annually. Revenues have been growing at an average rate of 7.3% per year. ACNB's return on equity is 6.4%, and it has net margins of 21.9%.

Key information

9.80%

Earnings growth rate

9.18%

EPS growth rate

Banks Industry Growth11.18%
Revenue growth rate7.34%
Return on equity6.41%
Net Margin21.87%
Last Earnings Update31 Mar 2025

Recent past performance updates

Recent updates

ACNB Corporation's (NASDAQ:ACNB) CEO Compensation Looks Acceptable To Us And Here's Why

Apr 30
ACNB Corporation's (NASDAQ:ACNB) CEO Compensation Looks Acceptable To Us And Here's Why

ACNB (NASDAQ:ACNB) Is Increasing Its Dividend To $0.34

Apr 26
ACNB (NASDAQ:ACNB) Is Increasing Its Dividend To $0.34

ACNB (NASDAQ:ACNB) Is Increasing Its Dividend To $0.32

May 01
ACNB (NASDAQ:ACNB) Is Increasing Its Dividend To $0.32

Here's Why We Think ACNB (NASDAQ:ACNB) Is Well Worth Watching

Jan 23
Here's Why We Think ACNB (NASDAQ:ACNB) Is Well Worth Watching

ACNB: Trading At 2 Times TBVPS Thanks To Very Strong Loan Book

Jan 17

ACNB's (NASDAQ:ACNB) Shareholders Will Receive A Bigger Dividend Than Last Year

Nov 23
ACNB's (NASDAQ:ACNB) Shareholders Will Receive A Bigger Dividend Than Last Year

ACNB (NASDAQ:ACNB) Will Pay A Larger Dividend Than Last Year At $0.30

Oct 24
ACNB (NASDAQ:ACNB) Will Pay A Larger Dividend Than Last Year At $0.30

Do ACNB's (NASDAQ:ACNB) Earnings Warrant Your Attention?

May 05
Do ACNB's (NASDAQ:ACNB) Earnings Warrant Your Attention?

ACNB's (NASDAQ:ACNB) Shareholders Will Receive A Bigger Dividend Than Last Year

Nov 04
ACNB's (NASDAQ:ACNB) Shareholders Will Receive A Bigger Dividend Than Last Year

ACNB GAAP EPS of $0.99, revenue of $25.88M

Jul 29

ACNB declares $0.26 dividend

Jul 21

ACNB: Strong Growth; Low Valuation

Feb 05

Revenue & Expenses Breakdown

How ACNB makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

NasdaqCM:ACNB Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Mar 2511325590
31 Dec 2411132570
30 Sep 2410629570
30 Jun 2410731570
31 Mar 2410429560
31 Dec 2310632540
30 Sep 2311338550
30 Jun 2311439540
31 Mar 2311138530
31 Dec 2210536490
30 Sep 229930510
30 Jun 229427500
31 Mar 229227490
31 Dec 219428490
30 Sep 219530470
30 Jun 219330470
31 Mar 219027470
31 Dec 208418470
30 Sep 207916440
30 Jun 207716430
31 Mar 207617410
31 Dec 197724390
30 Sep 197624390
30 Jun 197424380
31 Mar 197323380
31 Dec 187122370
30 Sep 187119370
30 Jun 187015360
31 Mar 186512350
31 Dec 176110330
30 Sep 175610320
30 Jun 175111300
31 Mar 175011300
31 Dec 164911290
30 Sep 164911290
30 Jun 164811290
31 Mar 164811280
31 Dec 154811280
30 Sep 154811280
30 Jun 154710270
31 Mar 154610270
31 Dec 144610260
30 Sep 144510260
30 Jun 144510260

Quality Earnings: ACNB has a large one-off loss of $9.8M impacting its last 12 months of financial results to 31st March, 2025.

Growing Profit Margin: ACNB's current net profit margins (21.9%) are lower than last year (28.2%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: ACNB's earnings have grown by 9.8% per year over the past 5 years.

Accelerating Growth: ACNB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: ACNB had negative earnings growth (-15.7%) over the past year, making it difficult to compare to the Banks industry average (4.7%).

Return on Equity

High ROE: ACNB's Return on Equity (6.4%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/05/12 13:25
End of Day Share Price 2025/05/12 00:00
Earnings2025/03/31
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

ACNB Corporation is covered by 4 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
David BishopHovde Group, LLC
Daniel CardenasJanney Montgomery Scott LLC
Justin CrowleyPiper Sandler Companies