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ACNB ACNB Q4 2025 Annual earnings

Reported January 22, 2026 · Before market open

Revenue$40.7MBeat by $1.1M
EPS$1.35Beat by $0.09
Revenue estimate$39.7M
EPS estimate$1.26

Next report

Oct 22, 2026 (In 2 weeks)
Revenue estimate$43.0M
EPS estimate$1.47

Financials

Q4 2025

Income statement

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Revenue$47.2M+42.2%
Net income$10.8M+63.8%
EPS (diluted)$1.04+35.1%

Balance sheet

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Cash & equivalents$65.6M+38.9%
Total debt$404.6M+47.7%
Total equity$420.0M+38.5%
Total assets$3.2B+34.8%

Cash flow

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Operating cash flow$12.8M+124%
CapEx$172.0K-53.9%
Free cash flow$12.6M+136%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$502.11M+47.5%
Enterprise value$841.02M+48.3%
P/E13.6×+2.9×
P/S2.6×-0.2×

Profitability

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Net margin19.3%-7.0pp
FCF margin27.4%-4.7pp

Returns & leverage

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Return on equity10.2%-0.7pp
Debt / equity1×+0.1×

Segments

By product

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Gain from mortgage loans held for sale$1.4M+1,183%
Service charges on deposits$1.3M+18.3%
Wealth management$1.2M+19.2%
ATM debit card charges$923.0K+13.3%

FAQ

When did ACNB report Q4 2025 earnings?
ACNB (ACNB) reported Q4 2025 earnings on January 22, 2026 before market open.
What were ACNB's Q4 2025 revenue and EPS?
ACNB reported revenue of $40.7M and eps of $1.35 for Q4 2025.
Did ACNB beat estimates in Q4 2025?
Revenue beat the consensus estimate of $39.7M by $1.1M. EPS beat the consensus estimate of $1.26 by $0.09.
How did ACNB's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 51.4% from $26.9M a year earlier and eps grew 75.3% from $0.77.
Where can I find ACNB's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001628280-26-002992) and the 10-K periodic report (0001628280-26-017229) directly on SEC EDGAR. The filing index links above go to sec.gov.