For the quarter ending 2026-03-31, ACNB had $27,987K increase in cash & cash equivalents over the period. $23,988K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income (loss) | 13,703 | 10,805 | 14,870 | 11,376 |
| Gain from mortgage loans held for sale | 1,226 | 1,373 | 1,463 | 2,430 |
| Earnings on investment in bank-owned life insurance | 737 | 735 | 651 | 1,207 |
| Net gains on sales or calls of investment securities | 49 | -3,557 | 0 | 22 |
| Net losses (gains) on equity securities | -7 | 4 | 9 | 17 |
| Gain on sales of assets held for sale | 177 | 0 | - | - |
| Restricted stock compensation expense | 825 | 222 | 301 | 888 |
| Depreciation and amortization | 1,665 | 1,761 | 1,758 | 3,218 |
| Net accretion of purchase accounting adjustments | -1,876 | 7,719 | - | - |
| (reversal of) provision for credit losses and reversal of unfunded commitments | -89 | 553 | -729 | 4,906 |
| Net amortization of investment securities premiums | -108 | -230 | -253 | -707 |
| Increase in interest receivable | 22 | 196 | -423 | 72 |
| (decrease) increase in interest payable | -51 | -117 | 250 | -911 |
| Mortgage loans originated for sale | 42,584 | 57,366 | 55,813 | 81,439 |
| Proceeds from sales of loans originated for sale | 56,825 | 47,419 | 56,881 | 80,352 |
| Increase in other assets | 3,609 | -6,094 | -7,090 | 6,777 |
| Deferred income tax | -65 | -3,181 | 1,230 | 5,577 |
| Increase in other liabilities | 1,674 | -2,918 | -1,194 | 3,827 |
| Net cash provided by (used in) operating activities | 24,322 | 12,755 | 23,197 | 17,691 |
| Proceeds from calls/maturities of investment securities held to maturity | 151 | 149 | 1,168 | 335 |
| Proceeds from calls/maturities of investment securities available for sale | 10,221 | 16,728 | 14,791 | 25,976 |
| Proceeds from sales of investment securities available for sale | 22,193 | 71,066 | 0 | 98,272 |
| Proceeds from sales of equity securities | - | 0 | - | - |
| Purchase of investment securities available for sale | 40,605 | 89,347 | 16,698 | 76,934 |
| Net redemption of restricted investment in bank stocks | -1,663 | -225 | 929 | -643 |
| Net (increase) decrease in loans | 16,812 | 1,820 | -5,102 | 10,575 |
| Purchase of bank-owned life insurance | - | 8,350 | - | - |
| Gain on life insurance proceeds | 174 | 0 | 0 | 285 |
| Net cash and cash equivalents received from acquisition | 0 | 0 | 0 | -36,206 |
| Acquisition of insurance books of business/agency | - | 0 | - | - |
| Capital expenditures | 334 | 172 | 430 | 474 |
| Proceeds from sales of assets held for sale | 452 | 0 | - | - |
| Net cash (used in) provided by investing activities | -23,245 | -11,806 | 3,004 | 73,449 |
| Net decrease in noninterest-bearing deposits | - | -8,020 | - | - |
| Net increase in noninterest-bearing deposits | 2,379 | - | 13,396 | 6,426 |
| Net decrease in interest-bearing deposits | - | -75,706 | - | - |
| Net increase in interest-bearing deposits | 141,297 | - | -72,041 | -15,894 |
| Net (decrease) increase in short-term borrowings | -912 | -15,728 | 37,427 | 27,215 |
| Proceeds from long-term borrowings | 15,000 | 0 | 0 | 0 |
| Repayments on long-term borrowings | 55,000 | 0 | 0 | 40,188 |
| Dividends paid | 3,930 | 3,922 | 3,537 | 6,923 |
| Common stock repurchased | 3,560 | 2,492 | 2,708 | 5,964 |
| Common stock issued, net of restricted stock forfeitures and withheld for taxes | -251 | 315 | 292 | 35 |
| Net cash provided by (used in) financing activities | 26,910 | -37,440 | -27,171 | -35,293 |
| Net increase in cash and cash equivalents | 27,987 | -36,491 | -970 | 55,847 |
| Cash and cash equivalents beginning | 65,648 | -54,877 | 47,262 | - |
| Cash and cash equivalents ending | 93,635 | -36,491 | 102,139 | - |
ACNB CORP (ACNB)
ACNB CORP (ACNB)