ACNB Corporation logo ACNB - ACNB Corporation

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| PRICE TARGET: $58.00 DETAILS
HIGH: $58.00
LOW: $58.00
MEDIAN: $58.00
CONSENSUS: $58.00
UPSIDE: 6.52%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994
Revenue
Revenue 170.4 132.2 114.7 108.4 100.9 105.4 87.7 80.4 65.9 53.3 51.9 49.4 49.3 52.3 53.6 56.8 57.0 57.3 61.9 58.2 51.2 43.6 46.1 42.8 42.7 42.6 41.1 19.2 17.0 17.1 16.1 13.9
Cost of Revenue 44.9 21.1 9.2 3.6 7.0 21.4 10.7 9.0 5.4 3.9 3.9 3.8 5.4 10.8 12.9 16.0 18.3 24.5 27.1 24.3 17.9 13.5 14.2 13.8 16.3 17.2 16.2 16.8 15.1 15.2 14.4 12.4
Gross Profit 125.5 111.1 105.6 104.8 94.0 84.0 77.0 71.4 60.5 49.3 48.0 45.6 43.9 41.5 40.7 40.8 38.7 32.9 34.9 33.9 33.3 30.1 31.9 29.0 26.4 25.5 24.9 2.4 1.9 2.0 1.6 1.5
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 67.4 44.4 42.3 37.1 38.1 37.2 30.5 28.8 26.5 24.0 22.7 21.5 20.7 20.4 19.3 19.9 18.8 16.1 14.4 13.6 12.9 9.9 9.9 9.5 7.9 7.6 7.6 7.5 6.5 5.9 5.6 5.2
Other Expenses 11.6 26.3 23.4 22.8 20.9 24.1 17.1 15.9 17.6 10.7 10.5 10.8 11.3 9.9 10.7 10.4 11.3 8.9 10.6 11.1 11.6 8.7 8.1 7.5 6.4 5.6 5.7 (16.6) (15.4) (14.5) (13.6) (13.7)
Operating Expenses 79.1 70.7 65.7 59.9 59.0 61.3 47.6 44.7 44.1 34.7 33.2 32.3 32.0 30.3 30.0 30.3 30.1 25.0 25.0 24.7 24.5 18.6 18.0 17.0 14.3 13.2 13.3 (9.1) (8.9) (8.6) (8.0) (8.6)
Operating Income
Operating Income 46.5 40.4 39.8 45.0 35.0 22.7 29.4 26.7 16.4 14.6 14.8 13.4 11.8 11.2 10.7 10.5 8.6 7.8 9.9 9.2 8.8 11.6 13.9 12.0 12.1 12.3 11.6 11.5 10.8 10.6 9.6 10.1
Interest Expense 40.1 23.9 8.3 3.6 6.9 12.2 10.1 7.4 5.4 3.9 3.9 3.6 4.0 6.1 7.5 9.6 13.6 18.9 26.6 23.4 17.4 13.2 13.9 13.5 16.1 16.9 16.0 16.5 14.9 15.1 14.4 12.4
Interest Income 163.2 106.5 96.3 86.9 77.9 85.0 69.2 64.2 51.5 40.3 39.2 37.3 37.6 40.4 41.8 44.6 45.8 47.7 51.6 48.3 42.3 37.8 36.7 37.8 39.2 39.8 38.2 38.5 35.1 33.9 32.2 30.6
Profitability
EBITDA 53.2 43.5 43.2 48.7 38.5 26.4 32.1 29.6 18.7 16.4 16.5 15.4 13.8 13.2 12.9 12.8 10.9 9.7 11.9 11.9 11.9 15.0 18.0 13.4 12.4 12.7 12.2 12.1 11.5 11.2 10.2 10.1
EBIT 46.5 40.4 39.8 45.0 35.0 22.7 29.4 26.7 16.4 14.6 14.8 13.4 11.8 11.2 10.7 10.5 8.6 7.8 9.9 9.2 8.8 11.6 13.9 12.0 12.1 12.3 11.6 11.5 10.8 10.6 9.6 10.1
Income Before Tax 46.5 40.4 39.8 45.0 35.0 22.7 29.4 26.7 16.4 14.6 14.8 13.4 11.8 11.2 10.7 10.5 8.6 7.8 9.9 9.2 8.8 11.6 13.9 12.0 12.1 12.3 11.6 11.5 10.8 10.6 9.6 10.1
Income Tax Expense 9.4 8.6 8.2 9.2 7.2 4.3 5.6 5.0 6.6 3.8 3.8 3.1 2.5 2.3 2.2 2.1 1.4 1.1 1.9 1.9 1.4 2.3 3.1 3.1 3.7 4.2 3.8 3.8 3.6 3.5 3.1 3.3
Net Income 37.1 31.8 31.7 35.8 27.8 18.4 23.7 21.7 9.8 10.9 11.0 10.3 9.3 8.9 8.5 8.4 7.2 6.7 7.9 7.3 7.4 9.3 10.8 8.9 8.3 8.1 7.8 7.7 7.2 7.1 6.5 6.8
Per Share Data
EPS (Basic) 3.61 3.75 3.72 4.15 3.19 2.13 3.36 3.09 1.50 1.80 1.83 1.71 1.56 1.49 1.43 1.42 1.22 1.13 1.32 1.22 1.17 1.55 1.80 1.49 1.39 1.31 1.22 1.21 1.25 1.22 1.11 1.15
EPS (Diluted) 3.60 3.73 3.71 4.15 3.19 2.13 3.36 3.09 1.50 1.80 1.83 1.71 1.56 1.49 1.43 1.42 1.22 1.13 1.32 1.22 1.17 1.55 1.80 1.49 1.39 1.31 1.22 1.21 1.25 1.22 1.11 1.15
Shares Outstanding 10.3 8.5 8.5 8.5 8.7 8.6 7.1 7.0 6.5 6.1 6.0 6.0 6.0 6.0 5.9 5.9 5.9 6.0 6.0 6.0 6.3 6.0 6.0 6.0 6.0 6.2 6.4 6.4 5.8 5.8 5.8 5.9
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994
Current Assets
Cash & Cash Equivalents 20.6 47.3 66.0 168.2 710.1 399.4 114.4 40.9 34.4 18.9 24.1 16.9 22.7 33.4 18.1 21.9 18.6 33.7 20.8 28.7 22.1 22.9 12.9
Short-Term Investments 0 17.6 451.7 553.6 437.1 337.7 190.8 161.7 157.3 143.0 0 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 20.6 64.9 517.7 721.7 1,147.2 737.1 305.2 202.6 193.5 161.9 24.1 16.9 22.7 33.4 18.1 21.9 18.6 33.7 20.8 28.7 22.1 22.9 12.9
Non-Current Assets
Property, Plant & Equipment 34.8 28.1 28.9 30.2 34.2 36.2 29.2 26.4 26.8 18.2 14.8 14.5 12.0 7.1 7.2 5.7 4.7 4.5 5.1 5.3 6.4 6.5 6.9
Goodwill 64.4 44.2 44.2 44.2 42.1 42.1 19.6 19.6 19.6 6.3 6.0 6.0 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 22.4 7.8 9.1 10.3 6.1 7.3 4.4 4.4 2.6 0.7 4.4 4.9 0 0 0 0 0 0 0 0 0 0 0
Long-Term Investments 2,926.2 2,108.8 1,674.8 1,592.1 1,463.0 1,642.4 1,284.4 1,320.0 1,281.4 954.2 857.2 888.6 843.1 799.4 685.1 582.4 529.4 497.3 348.8 338.6 321.7 320.7 302.6
Other Non-Current Assets 159.6 141.0 144.2 127.0 94.3 90.3 77.4 74.7 73.4 65.0 55.5 45.8 46.4 33.2 24.3 20.3 14.7 10.4 169.6 94.1 122.2 109.3 149.7
Total Non-Current Assets 3,207.5 2,330.0 1,901.2 1,803.8 1,639.8 1,818.3 1,415.1 1,445.1 1,403.7 1,044.4 937.8 959.8 901.5 839.7 716.6 608.3 548.7 512.3 523.5 438.1 450.4 436.5 459.1
Total Assets 3,228.1 2,394.8 2,418.8 2,525.5 2,787.0 2,555.4 1,720.3 1,647.7 1,595.4 1,206.3 961.9 976.7 924.2 872.7 734.6 630.2 567.3 546.0 544.3 466.8 472.4 459.4 472.0
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 64.7 15.8 56.9 42.0 35.2 38.5 34.2 34.6 36.9 34.6 55.3 83.5 65.0 69.7 76.4 51.5 49.0 29.8 0 0 0 0 16.8
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 0 1,792.5 1,861.8 2,199.0 2,426.4 2,185.5 1,412.3 1,348.1 1,298.5 967.6 728.5 690.3 646.9 639.4 582.6 509.2 453.1 452.6 455.7 395.6 403.1 392.2 388.8
Total Current Liabilities 64.7 1,808.3 1,918.7 2,240.9 2,461.6 2,224.0 1,446.4 1,382.7 1,335.4 1,002.2 783.8 773.8 711.8 709.1 659.1 560.7 502.1 482.5 455.7 395.6 403.1 392.2 405.6
Non-Current Liabilities
Long-Term Debt 259.8 255.3 195.3 21 34.7 53.7 66.3 83.5 94.6 74.2 80.3 107.0 132 87 0 0 0 0 0 0 0 0 0
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 2,483.6 25.1 24.8 15.4 15.3 16.5 14.5 13.3 11.5 9.8 9.5 11.5 5.8 4.3 5.5 6.8 4.8 3.6 27.4 18.6 19.9 15.6 17.8
Total Non-Current Liabilities 2,743.4 283.2 222.7 39.5 53.3 73.4 84.3 96.8 106.1 84.0 89.8 118.5 137.8 91.3 5.5 6.8 4.8 3.6 27.4 18.6 19.9 15.6 17.8
Total Liabilities 2,808.2 2,091.6 2,141.4 2,280.5 2,514.9 2,297.4 1,530.7 1,479.6 1,441.5 1,086.3 873.6 892.2 849.7 800.3 664.5 567.5 506.9 486.1 483.1 414.2 423.0 407.9 423.4
Stockholders' Equity
Common Stock 27.6 22.4 22.2 22.1 22.0 21.9 17.9 17.8 17.7 15.3 15.0 15.0 13.6 13.6 13.6 13.6 13.6 14.4 14.5 13.1 13.2 13.3 13.3
Retained Earnings 257.3 234.6 213.5 193.9 167.2 148.4 138.7 121.9 106.3 100.6 65.6 62.9 63.1 58.7 52.8 48.7 46.3 45.8 42.8 35.0 31.9 33.8 30.8
Accumulated Other Comprehensive Income (22.2) (41.7) (44.9) (58.0) (9.5) (5.6) (5.9) (9.2) (7.1) (6.0) (0.4) (1.8) (2.2) 0.4 3.7 0.4 0.6 (2.2) 1.3 0.9 0.4 0 0
Total Stockholders' Equity 420.0 303.3 277.5 245.0 272.1 258.0 189.5 168.1 154.0 120.1 88.3 84.4 74.5 72.4 70.1 62.7 60.4 59.9 61.1 52.6 49.4 51.5 48.6
Total Liabilities & Equity 3,228.1 2,394.8 2,418.8 2,525.5 2,787.0 2,555.4 1,720.3 1,647.7 1,595.4 1,206.3 961.9 976.7 924.2 872.7 734.6 630.2 567.3 546.0 544.3 466.8 472.4 459.4 472.0
Debt Metrics
Total Debt 329.0 273.9 254.8 66.1 73.2 95.3 104.0 118.2 131.5 108.8 135.6 190.4 197.0 156.7 76.4 51.5 49.0 29.8 0 0 0 0 16.8
Net Debt 308.4 226.7 188.8 (102.0) (637.0) (304.0) (10.4) 77.3 97.1 89.9 111.4 173.5 174.3 123.3 58.4 29.6 30.4 (3.9) (20.8) (28.7) (22.1) (22.9) 3.9
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994
Operating Activities
Net Income 37.1 31.8 31.7 35.8 27.8 18.4 23.7 21.7 9.8 10.9 7.4 9.3 10.8 8.9 8.3 8.1 7.8 7.7 7.2 7.1 6.5 0
Depreciation & Amortization 7.9 3.0 3.4 3.8 3.4 3.7 2.7 2.9 2.3 1.8 3.2 3.5 4.0 1.4 0.3 0.5 0.6 0.7 0.7 0.6 0.6 0
Stock-Based Compensation 1.4 1.3 1.0 0.7 0.4 0.4 0.3 0.2 0.1 0.1 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital 9.1 6.9 0.2 (3.9) 2.0 (1.2) 1.6 2.2 5.3 0.5 0.8 (0.2) (2.2) (6.0) (14.8) 1.5 (2.9) (0.2) 0.8 (1.0) (0.1) 0
Other Non-Cash Items (5.5) (3.2) 4.4 2.8 8.5 5.2 (2.7) 2 (2.3) (1.2) 0.2 (1.9) 0.0 0.4 0.2 0.2 0.3 0.8 (0.5) 1.3 (0.3) 10.1
Operating Cash Flow 53.6 39.8 40.6 39.2 42.1 25.5 25.7 29.5 17.0 12.1 11.4 11.0 12.7 3.9 (6.4) 10.2 5.6 8.8 8.2 8.1 6.7 10.1
Investing Activities
Capital Expenditure (1.1) (1.0) (1.2) (1.8) (1.6) (1.0) (1.4) (1.7) (1.8) (2.3) (4.1) (5.8) (0.7) (2.1) (1.5) (0.6) (0.3) 0 0 0 0 0
Acquisitions 0 0 (0.2) (7.4) 0 34.7 (0.6) (2.6) 6.4 0 0 0 0 0 0 0 0 0 0 0 0 0
Purchases of Investments (183.0) 0 (48.8) (306.7) (216.8) (218.0) (45.3) (39.1) (30.1) (50.4) (34.8) (424.9) (371.6) (222.7) (110.8) (30.4) (26.0) (81.2) (60.3) (73.8) (46.4) (165.0)
Sales/Maturities of Investments 230.4 59.8 159.5 66.5 109.2 105.4 27.2 51.0 45.1 46.4 67.7 402.3 284.7 134.7 64.6 14.2 29.9 35.5 72.1 59.9 68.9 143.1
Other Investing Activities 18.4 (56.4) (93.9) (82.3) 169.7 (35.9) 28.2 (61.2) (71.6) (53.1) (59.3) (36.3) (43.0) (11.1) (1.6) (14.4) 4.7 0.1 0.4 (0.2) (0.5) (0.9)
Investing Cash Flow 64.6 2.4 15.4 (331.7) 60.5 (114.8) 8.0 (53.6) (52.0) (59.4) (30.5) (64.6) (130.6) (101.2) (49.2) (31.2) 8.3 (45.6) 12.2 (14.1) 22.0 (22.9)
Financing Activities
Net Debt Issuance 8.7 18.9 189.9 (6.9) (22.3) (17.0) (18.4) (13.3) 17.7 (2.9) (11.9) 40.3 80.2 24.9 3.0 19.1 7.1 17.9 (9.3) 14.7 (15.0) (3.3)
Stock Repurchased (11.2) (0.2) (2.0) (6.7) (1.5) 0 0 0 0 0 0 0 0 0 0 0 0 0 (0.4) (0.5) (0.1) (0.6)
Dividends Paid (14.4) (10.7) (9.7) (9.1) (9.0) (8.7) (6.9) (6.3) (5.2) (4.8) (4.9) (4.9) (4.8) (5.9) (4.8) (4.9) (4.9) (4.5) (4.2) (9.0) (3.5) (3.4)
Other Financing Activities (83.7) (69.3) (337.2) (227.4) 240.9 399.2 64.2 49.6 37.5 54.6 32.5 7.5 56.8 75.5 55.6 0.5 (3.0) 14.0 0 0 0 0
Financing Cash Flow (99.9) (60.9) (158.2) (249.4) 208.1 374.4 39.7 30.5 50.5 47.5 15.7 42.9 132.2 94.5 53.8 9.3 (2.0) 27.4 (13.8) 5.2 (18.7) (7.3)
Cash Position
Net Change in Cash 18.4 (18.7) (102.2) (542.0) 310.8 285.0 73.5 6.5 15.5 0.2 (3.4) (10.7) 14.3 (2.8) (1.8) (11.7) 11.9 (9.4) 6.7 (0.8) 10.0 (20.0)
Cash at Beginning 47.3 66.0 168.2 710.1 399.4 114.4 40.9 34.4 18.9 18.8 22.7 33.4 19.1 21.9 23.7 35.4 23.5 33.0 22.2 23 13.0 33.0
Cash at End 65.6 47.3 66.0 168.2 710.1 399.4 114.4 40.9 34.4 18.9 19.3 22.7 33.4 19.1 21.9 23.7 35.4 23.5 28.8 22.2 23 13.0
Free Cash Flow 52.6 38.8 39.4 37.4 40.5 24.4 24.3 27.8 15.2 9.8 7.3 5.2 12.1 1.8 (7.9) 9.5 5.3 8.8 8.2 8.1 6.7 10.1
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994
Income Statement
Revenue 170.4 132.2 114.7 108.4 100.9 105.4 87.7 80.4 65.9 53.3 51.9 49.4 49.3 52.3 53.6 56.8 57.0 57.3 61.9 58.2 51.2 43.6 46.1 42.8 42.7 42.6 41.1 19.2 17.0 17.1 16.1 13.9
Gross Profit 125.5 111.1 105.6 104.8 94.0 84.0 77.0 71.4 60.5 49.3 48.0 45.6 43.9 41.5 40.7 40.8 38.7 32.9 34.9 33.9 33.3 30.1 31.9 29.0 26.4 25.5 24.9 2.4 1.9 2.0 1.6 1.5
Operating Income 46.5 40.4 39.8 45.0 35.0 22.7 29.4 26.7 16.4 14.6 14.8 13.4 11.8 11.2 10.7 10.5 8.6 7.8 9.9 9.2 8.8 11.6 13.9 12.0 12.1 12.3 11.6 11.5 10.8 10.6 9.6 10.1
Net Income 37.1 31.8 31.7 35.8 27.8 18.4 23.7 21.7 9.8 10.9 11.0 10.3 9.3 8.9 8.5 8.4 7.2 6.7 7.9 7.3 7.4 9.3 10.8 8.9 8.3 8.1 7.8 7.7 7.2 7.1 6.5 6.8
EPS (Diluted) 3.60 3.73 3.71 4.15 3.19 2.13 3.36 3.09 1.50 1.80 1.83 1.71 1.56 1.49 1.43 1.42 1.22 1.13 1.32 1.22 1.17 1.55 1.80 1.49 1.39 1.31 1.22 1.21 1.25 1.22 1.11 1.15
Balance Sheet
Cash & Equivalents 20.6 47.3 66.0 168.2 710.1 399.4 114.4 40.9 34.4 18.9 24.1 16.9 22.7 33.4 18.1 21.9 18.6 33.7 20.8 28.7 22.1 22.9 12.9
Total Assets 3,228.1 2,394.8 2,418.8 2,525.5 2,787.0 2,555.4 1,720.3 1,647.7 1,595.4 1,206.3 961.9 976.7 924.2 872.7 734.6 630.2 567.3 546.0 544.3 466.8 472.4 459.4 472.0
Total Debt 329.0 273.9 254.8 66.1 73.2 95.3 104.0 118.2 131.5 108.8 135.6 190.4 197.0 156.7 76.4 51.5 49.0 29.8 0 0 0 0 16.8
Stockholders' Equity 420.0 303.3 277.5 245.0 272.1 258.0 189.5 168.1 154.0 120.1 88.3 84.4 74.5 72.4 70.1 62.7 60.4 59.9 61.1 52.6 49.4 51.5 48.6
Cash Flow
Operating Cash Flow 53.6 39.8 40.6 39.2 42.1 25.5 25.7 29.5 17.0 12.1 11.4 11.0 12.7 3.9 (6.4) 10.2 5.6 8.8 8.2 8.1 6.7 10.1
Capital Expenditure (1.1) (1.0) (1.2) (1.8) (1.6) (1.0) (1.4) (1.7) (1.8) (2.3) (4.1) (5.8) (0.7) (2.1) (1.5) (0.6) (0.3) 0 0 0 0 0
Free Cash Flow 52.6 38.8 39.4 37.4 40.5 24.4 24.3 27.8 15.2 9.8 7.3 5.2 12.1 1.8 (7.9) 9.5 5.3 8.8 8.2 8.1 6.7 10.1