# ACNB Corp. (ACNB)

**Exchange:** NASDAQ  
**Sector:** Financial Services  
**Market cap:** $585M  
**Price:** $56.82 (-0.46%)

> ACNB Corporation is a financial holding company headquartered in Gettysburg, Pennsylvania, that provides comprehensive banking, wealth management, and insurance services across the Mid-Atlantic region. Through its subsidiary ACNB Bank, the company offers a full spectrum of consumer and commercial banking products, including checking and savings accounts, personal loans, mortgage loans, auto loans, student loans, and debit and credit card services. The bank operates a network of community banking offices and loan offices across Pennsylvania and Maryland counties, serving individuals, businesses, public entities, and fiduciary clients. ACNB also operates Traditions Bank and Traditions Mortgage as operating divisions. Additionally, through ACNB Insurance Services, Inc., the company provides a broad range of property, casualty, health, life, and disability insurance to personal and commercial clients, with licenses across approximately 46 states. The company maintains strong capitalization with substantial total assets and deposits, positioning itself as an independent regional financial institution serving its community-focused marketplace.

## Income Statement (Annual, USD)

| Fiscal Year | Revenue | Gross Profit | Operating Income | Net Income | EPS (dil.) |
| --- | --- | --- | --- | --- | --- |
| 2025 | $192M | — | — | $37M | — |
| 2024 | $132M | — | — | $32M | — |
| 2023 | $115M | — | — | $32M | — |
| 2022 | $109M | — | — | $36M | — |
| 2021 | $78M | — | — | $28M | — |
| 2020 | $85M | — | — | $18M | — |
| 2019 | $70M | — | — | $24M | — |
| 2018 | $64M | — | — | $22M | — |
| 2017 | $52M | — | — | $10M | — |
| 2016 | $41M | — | — | $11M | — |
| 2015 | $39M | — | — | $11M | — |
| 2014 | $38M | — | — | $10M | — |
| 2013 | $38M | — | — | $9M | — |
| 2012 | $40M | — | — | $9M | — |
| 2011 | $42M | — | — | $9M | — |

## Balance Sheet (Annual, USD)

| Fiscal Year | Total Assets | Total Liabilities | Equity | Cash | Long-term Debt |
| --- | --- | --- | --- | --- | --- |
| 2025 | $3.23B | $2.81B | $420M | $66M | $255M |
| 2024 | $2.39B | $2.09B | $303M | $47M | $255M |
| 2023 | $2.42B | $2.14B | $277M | $66M | $195M |
| 2022 | $2.53B | $2.28B | $245M | $168M | $21M |
| 2021 | $2.79B | $2.51B | $272M | $710M | $35M |
| 2020 | $2.56B | $2.30B | $258M | $399M | $54M |
| 2019 | $1.72B | $1.53B | $190M | $114M | $66M |
| 2018 | $1.65B | $1.48B | $168M | $41M | $84M |
| 2017 | $1.60B | $1.44B | $154M | $34M | $95M |
| 2016 | $1.21B | $1.09B | $120M | $19M | $74M |
| 2015 | $1.15B | $1.03B | $115M | $19M | $77M |
| 2014 | $1.09B | $980M | $110M | $20M | $81M |
| 2013 | $1.05B | $939M | $107M | $18M | $83M |
| 2012 | $1.05B | $949M | $101M | $51M | $60M |
| 2011 | $1.00B | $907M | $97M | $23M | $71M |

## Cash Flow (Annual, USD)

| Fiscal Year | Operating Cash Flow | CapEx | Free Cash Flow |
| --- | --- | --- | --- |
| 2025 | $54M | $1M | $53M |
| 2024 | $40M | $960,000 | $39M |
| 2023 | $41M | $1M | $39M |
| 2022 | $39M | $2M | $37M |
| 2021 | $42M | $2M | $41M |
| 2020 | $25M | $1M | $24M |
| 2019 | $26M | $1M | $24M |
| 2018 | $30M | $2M | $28M |
| 2017 | $17M | $2M | $15M |
| 2016 | $12M | $2M | $10M |
| 2015 | $14M | $2M | $13M |
| 2014 | $11M | $3M | $8M |
| 2013 | $18M | $2M | $16M |
| 2012 | $9M | $2M | $7M |
| 2011 | $18M | $2M | $16M |

Source: [CompaniesByCap](https://companiesbycap.com/company/ACNB)