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Cash Flow Overview

Change in Cash
-$11,800K
Free Cash flow
-$3,964K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from sales of loans ori...
    • Net increase in short-term borro...
    • Net increase in noninterest-bear...
    • Others
Negative Cash Flow Breakdown
    • Mortgage loans originated for sa...
    • Net increase in loans
    • Net increase (decrease) in inter...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
15,214
13,703
10,805
14,870
Gain from mortgage loans held for sale
1,463
1,226
1,373
1,463
Earnings on investment in bank-owned life insurance
756
737
735
651
Net gains on sales or calls of investment securities
0
49
-3,557
0
Net losses (gains) on equity securities
-4
-7
4
9
Gain on sales of assets held for sale
0
177
0
-
Restricted stock compensation expense
373
825
222
301
Depreciation and amortization
1,589
1,665
1,761
1,758
Net accretion of purchase accounting adjustments
-1,760
-1,876
7,719
-
Provision for credit losses and reversal of unfunded commitments
447
-89
553
-729
Net amortization of investment securities premiums
-99
-108
-230
-253
Amortization of issuance costs on long-term borrowings
24
-
-
-
Decrease (increase) in interest receivable
-52
22
196
-423
Decrease in interest payable
-139
-51
-117
250
Mortgage loans originated for sale
68,956
42,584
57,366
55,813
Proceeds from sales of loans originated for sale
52,046
56,825
47,419
56,881
Increase in other assets
-1,911
3,609
-6,094
-7,090
Deferred income tax
206
-65
-3,181
1,230
(decrease) increase in other liabilities
-2,339
1,674
-2,918
-1,194
Net cash provided by operating activities
-3,448
24,322
12,755
23,197
Proceeds from calls/maturities of investment securities held to maturity
542
151
149
1,168
Proceeds from calls/maturities of investment securities available for sale
12,959
10,221
16,728
14,791
Proceeds from sales of investment securities available for sale
0
22,193
71,066
0
Proceeds from sales of equity securities
-
-
0
-
Purchase of investment securities available for sale
7,715
40,605
89,347
16,698
Net (purchases) redemption of restricted investment in bank stocks
1,716
-1,663
-225
929
Net increase in loans
47,815
16,812
1,820
-5,102
Purchase of bank-owned life insurance
-
-
8,350
-
Gain on life insurance proceeds
0
174
0
0
Net cash and cash equivalents received from acquisition
0
0
0
0
Acquisition of insurance books of business/agency
-
-
0
-
Capital expenditures
516
334
172
430
Proceeds from sales of assets held for sale
0
452
0
-
Net cash (used in) provided by investing activities
-44,261
-23,245
-11,806
3,004
Net decrease in noninterest-bearing deposits
-
-
-8,020
-
Net increase in noninterest-bearing deposits
24,655
2,379
-
13,396
Net decrease in interest-bearing deposits
-
-
-75,706
-
Net increase (decrease) in interest-bearing deposits
-14,767
141,297
-
-72,041
Net increase in short-term borrowings
44,431
-912
-15,728
37,427
Proceeds from long-term borrowings
-538
15,000
0
0
Repayments on long-term borrowings
0
55,000
0
0
Dividends paid
9,315
3,930
3,922
3,537
Common stock repurchased
9,187
3,560
2,492
2,708
Common stock issued, net of restricted stock forfeitures and withheld for taxes
630
-251
315
292
Net cash provided by (used in) financing activities
35,909
26,910
-37,440
-27,171
Net increase in cash and cash equivalents
-11,800
27,987
-36,491
-970
Cash and cash equivalents beginning
93,635
65,648
102,139
47,262
Cash and cash equivalents ending
81,835
93,635
65,648
102,139
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net increase inshort-term borrowings$44,431K (63.26%↑ Y/Y)Net increase innoninterest-bearing deposits$24,655K (283.68%↑ Y/Y)Common stock issued,net of restricted...$630K (1700.00%↑ Y/Y)Net cash provided by(used in) financing...$35,909K (201.75%↑ Y/Y)Canceled cashflow$33,807K Net increase in cashand cash...-$11,800K (-121.13%↓ Y/Y)Canceled cashflow$35,909K Proceeds fromcalls/maturities of investment...$12,959K (-50.11%↓ Y/Y)Proceeds fromcalls/maturities of investment...$542K (61.79%↑ Y/Y)Proceeds from sales ofloans originated for...$52,046K (-35.23%↓ Y/Y)Net income$15,214K (33.74%↑ Y/Y)Increase in other assets-$1,911K (-128.20%↓ Y/Y)Depreciation andamortization$1,589K (-50.62%↓ Y/Y)Provision for creditlosses and reversal of...$447K (-90.89%↓ Y/Y)Restricted stockcompensation expense$373K (-58.00%↓ Y/Y)Deferred income tax$206K (-96.31%↓ Y/Y)Net amortization ofinvestment securities...-$99K (86.00%↑ Y/Y)Decrease (increase) ininterest receivable-$52K (-172.22%↓ Y/Y)Amortization of issuancecosts on long-term...$24K Net losses (gains)on equity...-$4K (-123.53%↓ Y/Y)Net increase(decrease) in...-$14,767K (7.09%↑ Y/Y)Dividends paid$9,315K (34.55%↑ Y/Y)Common stockrepurchased$9,187K (54.04%↑ Y/Y)Proceeds from long-termborrowings-$538K Net cash (used in)provided by investing...-$44,261K (-160.26%↓ Y/Y)Canceled cashflow$13,501K Net cash provided byoperating activities-$3,448K (-119.49%↓ Y/Y)Canceled cashflow$71,965K Net increase inloans$47,815K (352.15%↑ Y/Y)Purchase of investmentsecurities available for...$7,715K (-89.97%↓ Y/Y)Net (purchases)redemption of restricted...$1,716K (366.87%↑ Y/Y)Capital expenditures$516K (8.86%↑ Y/Y)Mortgage loansoriginated for sale$68,956K (-15.33%↓ Y/Y)(decrease) increase inother liabilities-$2,339K (-161.12%↓ Y/Y)Net accretion ofpurchase accounting...-$1,760K Gain from mortgageloans held for sale$1,463K (-39.79%↓ Y/Y)Earnings on investment inbank-owned life insurance$756K (-37.37%↓ Y/Y)Decrease in interestpayable-$139K (84.74%↑ Y/Y)

ACNB CORP (ACNB)

ACNB CORP (ACNB)