← ACNB CORP ACNB
Market Price
$65.08
Market Cap
$662.66M
P/E Ratio
18.08
Revenue (FY 2025)
↑45.1% YoY
$191.82M
3-Yr CAGR: 32.0%
Net Income
↑16.3% YoY
$37.05M
Net Margin: 19.3%
Free Cash Flow
↑35.4% YoY
$52.57M
FCF Yield: 7.93%
EPS (Diluted)
↓-3.5% YoY
$3.60
Basic: $3.61
Return on Equity
Efficiency
8.8%
ROA: 165.1%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (ACNB)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $36.6M | — | $32.6M | $10.9M | — | — | — | $12.1M | $9.8M | — |
| FY 2017 | $46.4M | +26.8% | $40.9M | $9.8M | -9.9% | — | — | $17.0M | $15.2M | +56.0% |
| FY 2018 | $57.1M | +23.2% | $49.7M | $21.7M | +122.2% | — | — | $29.5M | $27.8M | +82.3% |
| FY 2019 | $59.4M | +4.1% | $49.3M | $23.7M | +9.1% | — | — | $25.7M | $24.3M | -12.6% |
| FY 2020 | $73.1M | +23.0% | $60.8M | $18.4M | -22.5% | — | — | $25.5M | $24.4M | +0.5% |
| FY 2021 | $71.2M | -2.5% | $64.3M | $27.8M | +51.3% | — | — | $42.1M | $40.5M | +66.0% |
| FY 2022 | $83.4M | +17.1% | $79.8M | $35.8M | +28.4% | $4.15 | — | $39.2M | $37.4M | -7.8% |
| FY 2023 | $88.3M | +5.9% | $80.0M | $31.7M | -11.4% | $3.71 | -10.6% | $40.6M | $39.4M | +5.5% |
| FY 2024 | $132.2M | +49.7% | $108.3M | $31.8M | +0.5% | $3.73 | +0.5% | $39.8M | $38.8M | -1.6% |
| FY 2025 | $191.8M | +45.1% | $151.7M | $37.1M | +16.3% | $3.60 | -3.5% | $53.6M | $52.6M | +35.4% |
Valuation
Market Price
$65.08
Market Cap
$662.66M
Enterprise Value
$852.38M
P/E Ratio
18.08
P/B Ratio
1.58
FCF Yield
7.93%
Dividend Yield
2.12%
Shares Outstanding
Profitability & Margins
Gross Margin
79.08%
Operating Margin
24.22%
Net Margin
19.32%
Return on Equity (ROE)
8.82%
Return on Assets (ROA)
165.15%
Asset Turnover
8.55x
Revenue 3-Yr CAGR
31.99%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
0.608
Debt / Assets
11.383
Cash & Equivalents
$65.65M
Total Debt
$255.38M
Book Value / Share
$41.13
Cash Flow Efficiency
Operating Cash Flow
$53.64M
Capital Expenditures (CapEx)
$1.08M
Free Cash Flow
$52.57M
OCF / Revenue
27.97%
FCF / Revenue
27.40%
FCF 3-Yr CAGR
12.03%
Per Share Metrics
EPS (Diluted)
$3.60
EPS (Basic)
$3.61
Dividends / Share
$1.38
Book Value / Share
$41.13
EPS YoY Growth
-3.49%
Balance Sheet (FY 2025)
Total Assets
$22.43M
Total Liabilities
$2.81B
Stockholders' Equity
$419.97M
Current Assets
N/A
Current Liabilities
N/A