ACNB Corporation (ACNB) Income Statement
ACNB 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsACNB revenue and net income
Where ACNB's revenue goes
2025Each bar shows an amount and its share of revenue. ACNB kept 21.7% of revenue as net income.
ACNB profit margins
ACNB growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +28.9% | +16.3% | +10.1% | +12.6% |
| Gross profit | +13.0% | +6.2% | +8.4% | +10.1% |
| Operating income | +14.9% | +1.1% | +15.4% | +12.1% |
| Net income | +16.3% | +1.2% | +15.0% | +12.9% |
| EPS (diluted) | +26.8% | +5.2% | +17.8% | +10.2% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
ACNB quarterly EPS vs estimates
ACNB beat the analyst EPS estimate in 6 of the last 8 quarters. Next report: October 22, 2026 (estimate $1.48).
ACNB income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $170.4M | $132.2M | $114.7M | $108.4M | $100.9M | $105.4M | $87.7M | $80.4M | $65.9M | $53.3M |
| Cost of revenue | $44.9M | $21.1M | $9.2M | $3.6M | $7.0M | $21.4M | $10.7M | $9.0M | $5.4M | $3.9M |
| Gross profit | $125.5M | $111.1M | $105.6M | $104.8M | $94.0M | $84.0M | $77.0M | $71.4M | $60.5M | $49.3M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $67.4M | $44.4M | $42.9M | $37.4M | $38.1M | $37.2M | $30.5M | $28.8M | $26.5M | $24.0M |
| Total operating expenses | $79.1M | $70.7M | $65.7M | $59.9M | $59.0M | $61.3M | $47.6M | $44.7M | $44.1M | $34.7M |
| Operating income | $46.5M | $40.4M | $39.8M | $45.0M | $35.0M | $22.7M | $29.4M | $26.7M | $16.4M | $14.6M |
| Interest income | $161.9M | $106.5M | $96.3M | $87.0M | $78.2M | $85.3M | $69.2M | $64.2M | $51.5M | $40.3M |
| Interest expense | $40.1M | $23.9M | $8.3M | $3.6M | $6.9M | $12.2M | $10.1M | $7.4M | $5.4M | $3.9M |
| Income before taxes | $46.5M | $40.4M | $39.8M | $45.0M | $35.0M | $22.7M | $29.4M | $26.7M | $16.4M | $14.6M |
| Income taxes | $9.4M | $8.6M | $8.2M | $9.2M | $7.2M | $4.3M | $5.6M | $5.0M | $6.6M | $3.8M |
| Net income | $37.1M | $31.8M | $31.7M | $35.8M | $27.8M | $18.4M | $23.7M | $21.7M | $9.8M | $10.9M |
| EBITDA | $53.2M | $43.5M | $43.2M | $48.7M | $38.5M | $26.4M | $32.1M | $29.6M | $18.7M | $16.4M |
| EPS (diluted) | $4.83 | $3.81 | $4.19 | $4.15 | $3.20 | $2.13 | $3.38 | $2.82 | $1.75 | $1.81 |
| Gross margin | 73.7% | 84.0% | 92.0% | 96.7% | 93.1% | 79.7% | 87.8% | 88.8% | 91.8% | 92.6% |
| Operating margin | 27.3% | 30.6% | 34.7% | 41.5% | 34.7% | 21.5% | 33.5% | 33.2% | 24.9% | 27.5% |
| Net margin | 21.7% | 24.1% | 27.6% | 33.0% | 27.6% | 17.5% | 27.0% | 27.0% | 14.8% | 20.4% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $52.5M | $50.5M | $46.0M | $50.9M | $50.3M | $43.5M | $33.2M | $34.1M | $33.3M | $31.6M | $26.3M | $30.5M |
| Cost of revenue | $10.1M | $9.7M | $10.6M | $9.6M | $10.0M | $14.7M | $6.6M | $6.4M | $2.7M | $5.5M | $4.3M | $2.6M |
| Gross profit | $42.4M | $40.8M | $35.5M | $41.3M | $40.3M | $28.8M | $26.6M | $27.7M | $30.6M | $26.2M | $21.9M | $27.9M |
| Sales, general & admin | $17.5M | $23.6M | $16.6M | $13.6M | $14.1M | $29.8M | $10.9M | $11.5M | $10.9M | $11.6M | $11.2M | $10.6M |
| Total operating expenses | $23.1M | $23.5M | $22.3M | $22.4M | $25.4M | $29.3M | $18.4M | $18.2M | $16.4M | $17.7M | $17.2M | $16.3M |
| Operating income | $19.2M | $17.3M | $13.2M | $18.9M | $14.9M | −$549,000 | $8.2M | $9.4M | $14.2M | $8.5M | $4.7M | $11.6M |
| Interest income | $43.4M | $41.9M | $42.5M | $42.2M | $41.3M | $36.0M | $27.1M | $27.0M | $26.6M | $25.7M | $25.1M | $24.1M |
| Interest expense | $9.7M | $9.7M | $10.0M | $10.4M | $10.6M | $9.2M | $6.3M | $6.3M | $5.9M | $5.4M | $3.8M | $2.5M |
| Income before taxes | $19.2M | $17.3M | $13.2M | $18.9M | $14.9M | −$549,000 | $8.2M | $9.4M | $14.2M | $8.5M | $4.7M | $11.6M |
| Income taxes | $4.0M | $3.6M | $2.4M | $4.0M | $3.3M | −$277,000 | $1.6M | $2.2M | $3.0M | $1.8M | $649,000 | $2.6M |
| Net income | $15.2M | $13.7M | $10.8M | $14.9M | $11.6M | −$272,000 | $6.6M | $7.2M | $11.3M | $6.8M | $4.1M | $9.0M |
| EBITDA | $20.8M | $18.9M | $14.9M | $20.7M | $16.7M | $896,000 | $9.0M | $10.2M | $15.0M | $9.3M | $5.5M | $12.5M |
| EPS (diluted) | $1.49 | $1.31 | $1.35 | $1.44 | $1.25 | $0.79 | $0.86 | $0.84 | $1.32 | $0.79 | $0.93 | $1.06 |
| Gross margin | 80.7% | 80.8% | 77.1% | 81.1% | 80.1% | 66.2% | 80.2% | 81.2% | 92.0% | 82.8% | 83.5% | 91.6% |
| Operating margin | 36.7% | 34.2% | 28.6% | 37.2% | 29.7% | −1.3% | 24.8% | 27.6% | 42.8% | 26.9% | 18.1% | 38.1% |
| Net margin | 29.0% | 27.1% | 23.5% | 29.2% | 23.2% | −0.6% | 19.9% | 21.1% | 33.9% | 21.4% | 15.6% | 29.6% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in ACNB's financial statements (latest annual report filed March 12, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
ACNB financial results
In fiscal year 2025 (ended December 31, 2025), ACNB reported revenue of $170.4 million, up 28.9% from the year before. It had net income of $37.1 million (up 16.3%), a net profit margin of 21.7%. Diluted earnings per share came to $4.83. Over five years revenue grew at an average rate of 10.1% a year.
See the ACNB stock overview for the latest quote and news, or the ACNB chart for price history and technical indicators.
ACNB income statement FAQ
What is ACNB's annual revenue?
ACNB reported total revenue of $170.4 million for fiscal year 2025, which ended on December 31, 2025. That was up 28.9% from $132.2 million the previous year.
Is ACNB profitable?
Yes. ACNB reported net income of $37.1 million in fiscal 2025, a net profit margin of 21.7%; its operating margin was 27.3%.
What is ACNB's gross margin?
ACNB's gross margin was 73.7% in fiscal 2025: for every $100 of revenue, ACNB kept $74 after the direct cost of its products and services.
How fast is ACNB growing?
Revenue grew 10.1% a year on average over the last five fiscal years, from $105.4 million to $170.4 million.
What are ACNB's earnings per share?
ACNB earned $4.83 per diluted share in fiscal 2025, compared with $3.81 a year earlier.
When will ACNB report its next earnings?
ACNB is expected to report results for the quarter ending September 30, 2026 on October 22, 2026 before the market opens.
When does ACNB's fiscal year end?
ACNB's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 12, 2026.