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ACNB ACNB Q1 2025 earnings

Reported April 24, 2025 · Before market open

Revenue$43.5MBeat by $10.8M
EPS$1.03Beat by $0.09
Revenue estimate$32.7M
EPS estimate$0.94

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$43.0M
EPS estimate$1.46

Financials

Q1 2025

Income statement

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Revenue$43.5M+65.6%
Net income-$272.0K-104%
EPS (diluted)-$0.03-104%

Balance sheet

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Cash & equivalents$123.6M+133%
Total debt$385.3M+40.1%
Total equity$386.9M+38.2%
Total assets$3.3B+35.4%

Cash flow

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Operating cash flow-$1.3M-112%
CapEx$659.0K+745%
Free cash flow-$2.0M-119%

Valuation & ratios

Valuation

as of 03/31/25
See full
Market cap$433.94M+35.7%
Enterprise value$695.7M+28.4%
P/E17.5×+6.6×
P/S3.1×+0.1×

Profitability

See full
Net margin18%-10.1pp
FCF margin18.9%-14.8pp

Returns & leverage

See full
Return on equity7.4%-3.5pp
Debt / equity0.0×

Segments

By product

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Service charges on deposits$1.1M+10.4%
Wealth management$1.1M+10.2%
Gain from mortgage loans held for sale$855.0K+1,681%
ATM debit card charges$831.0K+1.5%

Versus estimates

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Questions, answered.

When did ACNB report Q1 2025 earnings?
ACNB (ACNB) reported Q1 2025 earnings on April 24, 2025 before market open.
What were ACNB's Q1 2025 revenue and EPS?
ACNB reported revenue of $43.5M and eps of $1.03 for Q1 2025.
Did ACNB beat estimates in Q1 2025?
Revenue beat the consensus estimate of $32.7M by $10.8M. EPS beat the consensus estimate of $0.94 by $0.09.
How did ACNB's Q1 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 65.6% from $26.3M a year earlier and eps grew 28.7% from $0.80.
Where can I find ACNB's Q1 2025 SEC filings?
You can read the 10-Q periodic report (0000715579-25-000080) directly on SEC EDGAR. The filing index links above go to sec.gov.