Acnb Corp - Understand $acnb stock

$ACNB Market Cap: $396.1 Million

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Financial Snapshot

Revenue

$80.08M

TTM

Gross Margin

Net Earnings

$29.35M

TTM

Current Assets

Current Liabilities

$39.88M

Q3 2024

Current Ratio

Total Assets

$2.421B

Q3 2024

Total Liabilities

$2.114B

Q3 2024

Book Value

$306.8M

Q3 2024

Cash

$58.09M

Q3 2024

P/E

13.50

Nov 29, 2024 EST

Free Cash Flow

$27.77M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Revenue	$96.64M	$87.05M	$78.16M	$85.29M	$69.56M	$64.49M	$51.79M	$40.50M	$39.46M	$37.53M	$37.60M	$40.44M	$41.83M
YoY Change	11.02%	11.37%	-8.36%	22.62%	7.85%	24.54%	27.86%	2.63%	5.16%	-0.2%	-7.02%	-3.33%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Revenue	$96.64M	$87.05M	$78.16M	$85.29M	$69.56M	$64.49M	$51.79M	$40.50M	$39.46M	$37.53M	$37.60M	$40.44M	$41.83M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$1.900M	$2.304M	$2.277M	$2.387M	$2.076M	$2.108M	$1.755M	$1.455M	$1.419M	$1.414M	$1.352M	$1.401M	$1.578M	$2.340M	$2.280M	$1.880M	$1.700M	$1.760M	$1.610M	$850.0K	$800.0K	$630.0K	$450.0K	$480.0K	$640.0K	$670.0K	$700.0K	$630.0K	$590.0K	$460.0K	$410.0K	$450.0K	$450.0K	$600.0K	$580.0K	$410.0K
YoY Change	-17.53%	1.19%	-4.61%	14.98%	-1.52%	20.11%	20.62%	2.54%	0.35%	4.59%	-3.5%	-11.22%	-32.56%	2.63%	21.28%	10.59%	-3.41%	9.32%	89.41%	6.25%	26.98%	40.0%	-6.25%	-25.0%	-4.48%	-4.29%	11.11%	6.78%	28.26%	12.2%	-8.89%	0.0%	-25.0%	3.45%	41.46%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Interest Expense	$8.320M	$3.624M	$6.915M	$12.22M	$10.14M	$7.399M	$5.433M	$3.934M	$3.858M	$3.646M	$3.989M	$6.095M	$7.462M
YoY Change	129.58%	-47.59%	-43.42%	20.53%	37.05%	36.19%	38.1%	1.97%	5.81%	-8.6%	-34.55%	-18.32%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Pretax Income	$39.85M	$44.95M	$35.02M	$22.70M	$29.37M	$26.72M	$16.42M	$14.64M	$14.78M	$13.37M	$11.85M	$11.21M	$10.66M	$10.48M	$8.580M	$7.820M	$9.850M	$9.220M	$8.790M	$11.56M	$13.91M	$12.01M	$12.07M	$12.25M	$11.59M	$11.48M	$11.55M	$10.60M	$9.590M	$10.06M	$10.32M	$9.680M	$9.200M	$9.080M	$8.350M	$7.410M
YoY Change	-11.35%	28.36%	54.26%	-22.69%	9.9%	62.71%	12.2%	-0.95%	10.53%	12.83%	5.76%	5.15%	1.68%	22.14%	9.72%	-20.61%	6.83%	4.89%	-23.96%	-16.89%	15.82%	-0.5%	-1.47%	5.69%	0.96%	-0.61%	8.96%	10.53%	-4.67%	-2.52%	6.61%	5.22%	1.32%	8.74%	12.69%	6.31%
Income Tax	$8.161M	$9.199M	$7.190M	$4.310M	$5.650M	$4.970M	$4.930M	$3.770M	$3.760M	$3.080M	$2.540M	$2.320M	$2.150M	$2.060M	$1.360M	$1.080M	$1.920M	$1.930M	$1.410M	$2.260M	$3.140M	$3.110M	$3.730M	$4.160M	$3.770M	$3.750M	$3.780M	$3.490M	$3.140M	$3.290M	$3.380M	$3.090M	$3.070M	$3.000M	$2.710M	$2.400M
% Of Pretax Income	20.48%	20.46%	20.53%	18.99%	19.24%	18.6%	30.02%	25.76%	25.44%	23.04%	21.43%	20.71%	20.18%	19.66%	15.85%	13.81%	19.49%	20.93%	16.04%	19.55%	22.57%	25.9%	30.9%	33.96%	32.53%	32.67%	32.73%	32.92%	32.74%	32.7%	32.75%	31.92%	33.37%	33.04%	32.46%	32.39%
Net Earnings	$31.69M	$35.75M	$27.83M	$18.39M	$23.72M	$21.75M	$9.788M	$10.87M	$11.02M	$10.29M	$9.315M	$8.886M	$8.502M	$8.420M	$7.220M	$6.740M	$7.940M	$7.290M	$7.380M	$9.310M	$10.77M	$8.900M	$8.340M	$8.100M	$7.820M	$7.730M	$7.770M	$7.110M	$6.460M	$6.770M	$6.930M	$7.040M	$6.130M	$6.080M	$5.640M	$5.010M
YoY Change	-11.37%	28.45%	51.32%	-22.46%	9.07%	122.19%	-9.95%	-1.34%	7.07%	10.47%	4.83%	4.52%	0.97%	16.62%	7.12%	-15.11%	8.92%	-1.22%	-20.73%	-13.56%	21.01%	6.71%	2.96%	3.58%	1.16%	-0.51%	9.28%	10.06%	-4.58%	-2.31%	-1.56%	14.85%	0.82%	7.8%	12.57%	12.08%
Net Earnings / Revenue	32.79%	41.07%	35.61%	21.57%	34.1%	33.72%	18.9%	26.84%	27.92%	27.42%	24.77%	21.97%	20.32%
Basic Earnings Per Share	$3.72	$4.15	$3.19	$2.13	$3.36	$3.09	$1.50	$1.80	$1.83	$1.71	$1.56	$1.49	$1.43
Diluted Earnings Per Share	$3.71	$4.150M	$3.195M	$2.128M	$3.360M	$3.089M	$1.497M	$1.797M	$1.828M	$1.715M	$1.559M	$1.494M	$1.431M	$1.420M	$1.215M	$1.125M	$1.326M	$1.217M	$1.232M	$1.554M	$1.798M	$1.486M	$1.392M	$1.306M	$1.226M	$1.206M	$1.212M	$1.217M	$1.102M	$1.149M	$1.175M	$1.193M	$1.039M	$1.031M	$955.9K	$849.2K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$28.90M	$30.22M	$34.30M	$36.20M	$29.20M	$26.40M	$26.80M	$18.20M	$18.00M	$17.70M	$16.00M	$15.10M	$14.50M	$14.10M	$14.80M	$14.50M	$14.50M	$14.90M	$14.80M	$12.00M	$7.100M	$7.200M	$5.700M	$4.700M	$4.500M	$4.900M	$4.900M	$5.400M	$5.800M	$5.900M	$5.400M	$4.100M	$4.200M	$3.900M	$3.400M	$3.500M
YoY Change	-4.36%	-11.91%	-5.25%	23.97%	10.61%	-1.49%	47.25%	1.11%	1.69%	10.63%	5.96%	4.14%	2.84%	-4.73%	2.07%	0.0%	-2.68%	0.68%	23.33%	69.01%	-1.39%	26.32%	21.28%	4.44%	-8.16%	0.0%	-9.26%	-6.9%	-1.69%	9.26%	31.71%	-2.38%	7.69%	14.71%	-2.86%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$0.00	$3.393M	$1.100M
YoY Change	-100.0%	208.45%
Total Long-Term Assets
YoY Change
Total Assets	$2.419B	$2.526B	$2.787B	$2.555B	$1.720B	$1.648B	$1.595B	$1.206B	$1.148B	$1.090B	$1.046B	$1.050B	$1.005B	$968.7M	$961.9M	$976.7M	$926.7M	$964.8M	$945.1M	$924.2M	$873.1M	$734.6M	$630.2M	$567.3M	$546.0M	$544.3M	$466.8M	$472.4M	$459.4M	$472.0M	$471.4M	$451.2M	$429.0M	$411.4M	$387.6M	$358.1M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$2.615M	$3.162M	$3.300M	$3.100M	$3.500M
YoY Change	-17.3%	-4.18%	6.45%	-11.43%
Deferred Revenue
YoY Change
Short-Term Debt	$56.88M	$41.95M	$35.20M	$38.50M	$33.40M	$34.60M	$36.90M	$34.60M	$35.20M	$45.70M	$42.30M	$47.30M	$46.00M	$39.10M	$50.10M	$33.30M	$30.40M	$20.40M	$59.30M	$65.00M	$69.70M	$36.40M	$33.70M	$32.70M	$29.80M	$22.80M	$15.50M	$17.20M	$13.40M	$31.90M	$11.30M	$4.800M	$3.600M	$500.0K	$500.0K	$500.0K
YoY Change	35.58%	19.19%	-8.57%	15.27%	-3.47%	-6.23%	6.65%	-1.7%	-22.98%	8.04%	-10.57%	2.83%	17.65%	-21.96%	50.45%	9.54%	49.02%	-65.6%	-8.77%	-6.74%	91.48%	8.01%	3.06%	9.73%	30.7%	47.1%	-9.88%	28.36%	-57.99%	182.3%	135.42%	33.33%	620.0%	0.0%	0.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$59.50M	$3.162M	$3.300M	$3.100M	$3.500M	$34.60M	$36.90M	$34.60M	$35.20M	$45.70M	$42.30M	$47.30M	$46.00M	$39.10M	$50.10M	$33.30M	$30.40M	$20.40M	$59.30M	$65.00M	$69.70M	$36.40M	$33.70M	$32.70M	$29.80M	$22.80M	$15.50M	$17.20M	$13.40M	$31.90M	$11.30M	$4.800M	$3.600M	$500.0K	$500.0K	$500.0K
YoY Change	1781.63%	-4.18%	6.45%	-11.43%	-89.88%	-6.23%	6.65%	-1.7%	-22.98%	8.04%	-10.57%	2.83%	17.65%	-21.96%	50.45%	9.54%	49.02%	-65.6%	-8.77%	-6.74%	91.48%	8.01%	3.06%	9.73%	30.7%	47.1%	-9.88%	28.36%	-57.99%	182.3%	135.42%	33.33%	620.0%	0.0%	0.0%
Long-Term Debt	$20.29M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$1.400M	$1.700M	$2.000M	$2.200M	$2.500M	$3.300M	$5.000M	$130.2M	$145.5M	$125.8M	$132.0M	$87.00M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change									-100.0%	-17.65%	-15.0%	-9.09%	-12.0%	-24.24%	-34.0%	-96.16%	-10.52%	15.66%	-4.7%	51.72%
Other Long-Term Liabilities	$24.78M	$15.37M	$15.30M	$16.50M	$15.20M	$13.30M	$11.50M	$9.800M	$8.500M	$8.300M	$6.800M	$7.300M	$7.400M	$7.800M	$9.500M	$11.50M	$9.900M	$12.20M	$6.700M	$5.800M	$4.300M	$5.500M	$6.800M	$4.800M	$3.600M	$4.700M	$3.200M	$2.700M	$2.200M	$2.700M	$1.600M	$1.900M	$3.000M	$3.200M	$2.800M	$2.400M
YoY Change	61.21%	0.48%	-7.27%	8.55%	14.29%	15.65%	17.35%	15.29%	2.41%	22.06%	-6.85%	-1.35%	-5.13%	-17.89%	-17.39%	16.16%	-18.85%	82.09%	15.52%	34.88%	-21.82%	-19.12%	41.67%	33.33%	-23.4%	46.88%	18.52%	22.73%	-18.52%	68.75%	-15.79%	-36.67%	-6.25%	14.29%	16.67%
Total Long-Term Liabilities	$24.78M	$15.37M	$15.30M	$16.50M	$15.20M	$13.30M	$11.50M	$9.800M	$8.500M	$9.700M	$8.500M	$9.300M	$9.600M	$10.30M	$12.80M	$16.50M	$140.1M	$157.7M	$132.5M	$137.8M	$91.30M	$5.500M	$6.800M	$4.800M	$3.600M	$4.700M	$3.200M	$2.700M	$2.200M	$2.700M	$1.600M	$1.900M	$3.000M	$3.200M	$2.800M	$2.400M
YoY Change	61.21%	0.48%	-7.27%	8.55%	14.29%	15.65%	17.35%	15.29%	-12.37%	14.12%	-8.6%	-3.13%	-6.8%	-19.53%	-22.42%	-88.22%	-11.16%	19.02%	-3.85%	50.93%	1560.0%	-19.12%	41.67%	33.33%	-23.4%	46.88%	18.52%	22.73%	-18.52%	68.75%	-15.79%	-36.67%	-6.25%	14.29%	16.67%
Total Liabilities	$2.141B	$2.280B	$2.515B	$2.297B	$1.531B	$1.480B	$1.442B	$1.086B	$1.033B	$979.8M	$939.2M	$948.7M	$907.3M	$874.9M	$873.6M	$892.2M	$841.5M	$887.5M	$871.1M	$849.7M	$800.3M	$664.5M	$567.5M	$506.9M	$486.1M	$483.1M	$414.2M	$423.0M	$407.9M	$423.4M	$425.6M	$409.1M	$391.2M	$377.1M	$356.8M	$330.8M
YoY Change	-6.1%	-9.32%	9.47%	50.09%	3.45%	2.64%	32.7%	5.14%	5.45%	4.32%	-1.0%	4.56%	3.7%	0.15%	-2.08%	6.02%	-5.18%	1.88%	2.52%	6.17%	20.44%	17.09%	11.96%	4.28%	0.62%	16.63%	-2.08%	3.7%	-3.66%	-0.52%	4.03%	4.58%	3.74%	5.69%	7.86%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Basic Shares Outstanding	8.508M shares	8.623M shares	8.715M shares	8.639M shares	7.062M shares	7.036M shares	6.544M shares	6.052M shares	6.026M shares	6.002M shares	5.977M shares	5.954M shares	5.936M shares
Diluted Shares Outstanding	8.536M shares	8.623M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $396.06 Million

About ACNB CORP

ACNB Corp. is a holding company. The company is headquartered in Gettysburg, Pennsylvania and currently employs 413 full-time employees. The firm's banking operations are conducted through its subsidiary, ACNB Bank (the Bank). The Bank serves its marketplace with banking and wealth management services, including trust and retail brokerage, via a network of 26 community banking offices and three loan offices located in the Pennsylvania counties of Adams, Cumberland, Franklin, Lancaster and York and the Maryland counties of Baltimore, Carroll and Frederick. The Company’s non-banking subsidiary, ACNB Insurance Services, Inc. is a full-service insurance agency with licenses in 44 states. The agency offers a broad range of property, casualty, health, life and disability insurance serving personal and commercial clients through office locations in Westminster and Jarrettsville, Maryland, and Gettysburg, Pennsylvania. The Bank through, ACNB Wealth Management, provides a range of financial services, including trust services for individuals, businesses and retirement funds.

Industry: State Commercial Banks Peers: BayCom Corp BLUE RIDGE BANKSHARES, INC. FVCBankcorp, Inc. PARKE BANCORP, INC. ORRSTOWN FINANCIAL SERVICES INC PNC FINANCIAL SERVICES GROUP, INC. USCB FINANCIAL HOLDINGS, INC. UNITY BANCORP INC /NJ/