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ACNB ACNB Banking — Interest Expense

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Insurance
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Other financials

Income statement

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Revenue$52.5M+4.5%
Net income$15.2M+30.6%
EPS (diluted)$1.49+34.2%

Balance sheet

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Cash & equivalents$81.8M-20.6%
Total debt$367.4M-4.2%
Total equity$423.3M+7.1%
Total assets$3.3B+1.8%

Cash flow

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Operating cash flow$24.3M+1,903%
CapEx$516.0K
Free cash flow$24.0M+1,295%

Valuation

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Market cap$645.69M+42.7%
Enterprise value$931.21M+27.1%
P/E11.8×-6.1×
P/S3.2×+0.4×

Profitability

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Net margin27.1%+11.5pp
FCF margin39.5%+20.6pp

Returns & leverage

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Return on equity13.3%+6.0pp
Debt / equity0.9×-0.1×

Where this comes from

Reported directly by ACNB in its filing.

Tagged under the XBRL concept us-gaap:InterestExpense.

The source filing: ACNB’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 2:02 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001628280-26-054143
(In thousands) / Three Months Ended June 30, 2026BankingInsuranceOther1Consolidated
Interest and dividend income$43,699$(14)$43,685
Noninterest income5,9702,991(143)8,818
Total consolidated revenues52,503
Interest expense9,3473369,683
Provision for credit losses and unfunded commitments447447
Depreciation and amortization expense1,4011881,589
Salaries and employee benefits11,9581,69311013,761
Other noninterest expense27,2753831177,775

Item 1. Consolidated Statements of Condition (Unaudited)

FAQ

What is ACNB's banking — interest expense?
ACNB (ACNB) reported banking — interest expense of $9.35M in Q2 2026.
How has ACNB's banking — interest expense changed year-over-year?
ACNB's banking — interest expense decreased by 9.4% year-over-year, from $10.32M to $9.35M.
What is the long-term trend for ACNB's banking — interest expense?
Over 4 years (2021 to 2025), ACNB's banking — interest expense has grown at a 54.2% compound annual growth rate (CAGR), from $6.92M to $39.13M.
What does banking — interest expense mean?
Measures the total cost incurred by the banking segment to fund its operations, primarily through interest paid on customer deposits and other borrowings. Monitoring this expense is critical for assessing the segment's cost of funds and its impact on net interest margin.

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