For the year ending 2025-12-31, ACNB had $18,386K increase in cash & cash equivalents over the period. $52,567K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 37,051 |
| Gain on sales of loans originated for sale | 5,266 |
| Earnings on investment in bank-owned life insurance | 2,593 |
| Net losses (gains) on sales or calls of investment securities | -3,535 |
| Net (gains) losses on equity securities | 30 |
| Gain on sales of assets held for sale | 0 |
| Restricted stock compensation expense | 1,411 |
| Depreciation and amortization | 6,737 |
| Net amortization of purchase accounting adjustments | 7,719 |
| Provision for (reversal of) credit losses and unfunded commitments | 4,730 |
| Net amortization of investment securities premiums | -1,190 |
| Decrease (increase) in interest receivable | -155 |
| (decrease) increase in interest payable | -778 |
| Mortgage loans originated for sale | 194,618 |
| Proceeds from sales of loans originated for sale | 184,652 |
| Decrease (increase) in other assets | -6,407 |
| Deferred income tax | 3,626 |
| (decrease) increase in other liabilities | -285 |
| Net cash provided by operating activities | 53,643 |
| Proceeds from calls/maturities of investment securities held to maturity | 1,652 |
| Proceeds from calls/maturities of investment securities available for sale | 57,495 |
| Proceeds from sales of investment securities available for sale | 169,338 |
| Proceeds from sales of equity securities | 0 |
| Purchase of investment securities available for sale | 182,979 |
| Net purchases of restricted investment in bank stocks | 61 |
| Net increase in loans | 7,293 |
| Purchase of bank-owned life insurance | 8,350 |
| Gain on life insurance proceeds | 285 |
| Net cash and cash equivalents received from acquisition | -36,206 |
| Acquisition of insurance books of business/agency | 0 |
| Capital expenditures | 1,076 |
| Proceeds from sales of assets held for sale | 0 |
| Net cash provided by investing activities | 64,647 |
| Net decrease in noninterest-bearing deposits | -8,020 |
| Net decrease in interest-bearing deposits | -75,706 |
| Net increase (decrease) in short-term borrowings | 48,914 |
| Proceeds from long-term borrowings | 0 |
| Repayments on long-term borrowings | 40,188 |
| Dividends paid | 14,382 |
| Common stock repurchased | 11,164 |
| Common stock issued, net of restricted stock forfeitures and withheld for taxes | 642 |
| Net cash used in financing activities | -99,904 |
| Net increase (decrease) in cash and cash equivalents | 18,386 |
| Cash, cash equivalents, restricted cash, and restricted cash equivalents, beginning balance | 47,262 |
| Cash, cash equivalents, restricted cash, and restricted cash equivalents, ending balance | 65,648 |
ACNB CORP (ACNB)
ACNB CORP (ACNB)