For the quarter ending 2025-09-30, ACNB had -$970K decrease in cash & cash equivalents over the period. $22,767K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 14,870 | 11,376 |
| Gain on sales of loans originated for sale | 1,463 | 2,430 |
| Earnings on investment in bank-owned life insurance | 651 | 1,207 |
| Gain on life insurance proceeds | 0 | 285 |
| Gain on sales or calls of securities | 0 | 22 |
| Gain on equity securities | 9 | 17 |
| Restricted stock compensation expense | 301 | 888 |
| Depreciation and amortization | 1,758 | 3,218 |
| Provision for (reversal of) credit losses and unfunded commitments | -729 | 4,906 |
| Net amortization of investment securities premiums | -253 | -707 |
| Decrease in interest receivable | -423 | 72 |
| (decrease) increase in interest payable | 250 | -911 |
| Mortgage loans originated for sale | 55,813 | 81,439 |
| Proceeds from sales of loans originated for sale | 56,881 | 80,352 |
| Decrease in other assets | -7,090 | 6,777 |
| Decrease (increase) in deferred tax asset | 1,230 | 5,577 |
| Increase in other liabilities | -1,194 | 3,827 |
| Net cash provided by operating activities | 23,197 | 17,691 |
| Proceeds from calls/maturities of investment securities held to maturity | 1,168 | 335 |
| Proceeds from calls/maturities of investment securities available for sale | 14,791 | 25,976 |
| Proceeds from sales of investment securities available for sale | 0 | 98,272 |
| Purchase of investment securities available for sale | 16,698 | 76,934 |
| Purchase of restricted investment in bank stocks | 929 | -643 |
| Net increase in loans | -5,102 | 10,575 |
| Net cash and cash equivalents received from acquisition | 0 | -36,206 |
| Net capital expenditures | 430 | 474 |
| Net cash provided by (used in) investing activities | 3,004 | 73,449 |
| Net increase (decrease) in noninterest-bearing deposits | 13,396 | 6,426 |
| Net decrease in interest-bearing deposits | -72,041 | -15,894 |
| Net increase (decrease) in short-term borrowings | 37,427 | 27,215 |
| Proceeds from long-term borrowings | 0 | 0 |
| Repayments on long-term borrowings | 0 | 40,188 |
| Dividends paid | 3,537 | 6,923 |
| Common stock repurchased | 2,708 | 5,964 |
| Common stock issued, net of restricted stock forfeitures and withheld for taxes | 292 | 35 |
| Net cash used in financing activities | -27,171 | -35,293 |
| Net increase (decrease) in cash and cash equivalents | -970 | 55,847 |
| Cash and cash equivalents at beginning of period | 47,262 | - |
| Cash and cash equivalents at end of period | 102,139 | - |
ACNB CORP (ACNB)
ACNB CORP (ACNB)