Financial insights of ACNB

MyFinsight

For the quarter ending 2025-09-30, ACNB made $82,886K in revenue. $14,870K in net income. Net profit margin of 17.94%.

Income Overview

Revenue
$82,886K
Net Income
$14,870K
Net Profit Margin
17.94%
EPS
$1.42
Unit: Thousand (K) dollars
Revenue Breakdown
Taxable
Salaries and employee benefits
Deposits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2024-09-30	2024-06-30
Taxable	36,961	36,555	23,108	22,675
Tax-exempt	324	317	311	313
Taxable	3,430	3,283	2,617	2,665
Tax-exempt	281	283	284	284
Dividends	332	307	251	248
Other	1,162	831	670	684
Total interest and dividend income	42,490	41,576	27,241	26,869
Deposits	6,872	7,284	3,112	2,643
Short-term borrowings	513	341	204	304
Long-term borrowings	2,968	2,939	2,983	2,958
Total interest expense	10,353	10,564	6,299	5,905
Net interest income	32,137	31,012	20,942	20,964
Provision for (reversal of) unfunded commitments	-	-	40	-
(reversal of) provision for credit losses	-584	-228	81	-2,990
Reversal of provision for credit losses and unfunded commitments	-145	-354	-	-
Net interest income after (reversal of) provisions for credit losses and unfunded commitments	32,866	31,594	20,821	24,213
Insurance commissions	2,545	2,908	2,787	2,747
Revenue from contract with customer, excluding assessed tax-Deposit Account	1,286	1,179	-	-
Revenue from contract with customer, excluding assessed tax-Fiduciary And Trust	1,125	1,090	-	-
Revenue from contract with customer, excluding assessed tax-Mortgage Banking	1,463	1,575	-	-
Revenue from contract with customer, excluding assessed tax-ATMService Chargesand Debit Card Transactions	904	905	-	-
Earnings on investment in bank-owned life insurance	651	627	503	493
Gain on life insurance proceeds	0	31	-	-
Net gains on sales or calls of investment securities	0	22	-	-
Revenue from contract with customer, excluding assessed tax	-	-	3,064	2,931
Net gains on equity securities	9	3	28	1
Other	428	342	339	221
Total noninterest income	8,411	8,682	6,833	6,427
Salaries and employee benefits	13,191	13,693	11,017	10,426
Marketing and corporate relations	-	-	99	88
Equipment	2,302	2,539	1,698	1,570
Supplies and postage	-	-	236	183
Net occupancy	1,217	1,277	945	991
Professional services	588	743	409	529
Fdic and regulatory	457	435	365	348
Other tax	561	220	360	356
Intangible assets amortization	1,129	1,141	304	315
Merger-related	169	1,943	1,137	-
Other	2,747	3,375	1,674	1,585
Total noninterest expenses	22,361	25,366	18,244	16,391
Income before income taxes	18,916	14,910	9,410	14,249
Income tax expense	4,046	3,262	2,206	2,970
Net income	14,870	11,648	7,204	11,279

Basic earnings (in dollars per share)	1.43	1.11	0.85	1.32
Diluted earnings (in dollars per share)	1.42	1.11	0.84	1.32
Weighted average shares of common stock outstanding, basic (in shares)	10,419,581	10,451,469	8,507,140	8,502,268
Weighted average shares of common stock outstanding, diluted (in shares)	10,455,461	10,487,519	8,545,578	8,540,706

MyFinsight

Income Overview

Revenue
$82,886K
Net Income
$14,870K
Net Profit Margin
17.94%
EPS
$1.42
Unit: Thousand (K) dollars
Revenue Breakdown
Taxable
Salaries and employee benefits
Deposits
Others

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Revenue
$82,886K
Net Income
$14,870K
Net Profit Margin
17.94%
EPS
$1.42
Unit: Thousand (K) dollars
Revenue Breakdown
Taxable
Salaries and employee benefits
Deposits
Others

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Revenue$82,886KNet Income$14,870KNet Profit Margin17.94%EPS$1.42Unit: Thousand (K) dollarsRevenue BreakdownTaxableSalaries and employee benefitsDepositsOthers

Time Plot

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

Income Statement

Income Overview

Revenue$82,886KNet Income$14,870KNet Profit Margin17.94%EPS$1.42Unit: Thousand (K) dollarsRevenue BreakdownTaxableSalaries and employee benefitsDepositsOthers

Time Plot

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

Income Statement

Revenue
$82,886K
Net Income
$14,870K
Net Profit Margin
17.94%
EPS
$1.42
Unit: Thousand (K) dollars
Revenue Breakdown
Taxable
Salaries and employee benefits
Deposits
Others

Revenue
$82,886K
Net Income
$14,870K
Net Profit Margin
17.94%
EPS
$1.42
Unit: Thousand (K) dollars
Revenue Breakdown
Taxable
Salaries and employee benefits
Deposits
Others