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ACNB ACNB Banking — Net (loss) income

Other segment segments

Insurance
$522K-3.2%

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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$654.74M+44.7%
Enterprise value$940.27M+28.3%
P/E12×-6.0×
P/S3.3×+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:NetIncomeLoss.

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
Other noninterest expense27,2753831177,775
Income (loss) before income taxes19,241727(720)19,248
Income tax expense (benefit)3,981205(152)4,034
Net income (loss)$15,260$522$(568)$15,214
Total assets$3,303,705$19,556$(4,398)$3,318,863
Goodwill$56,064$8,385$64,449
Capital expenditures$516$516
Three Months Ended June 30, 2025

Item 1. Consolidated Statements of Condition (Unaudited)

FAQ

What is ACNB's banking — net (loss) income?
ACNB (ACNB) reported banking — net (loss) income of $15.26M in Q2 2026.
How has ACNB's banking — net (loss) income changed year-over-year?
ACNB's banking — net (loss) income increased by 33.1% year-over-year, from $11.46M to $15.26M.
What is the long-term trend for ACNB's banking — net (loss) income?
Over 3 years (2022 to 2025), ACNB's banking — net (loss) income has grown at a 2.2% compound annual growth rate (CAGR), from $35.41M to $37.81M.
What does banking — net (loss) income mean?
The final bottom-line profit or loss for the banking segment after accounting for all revenues, operating expenses, and income taxes. This is the primary indicator of the segment's overall financial health and its contribution to total corporate earnings.

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