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ACNB ACNB Insurance — CapEx

Other segment segments

Banking
$516K

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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:SegmentExpenditureAdditionToLongLivedAssets.

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
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
Interest and dividend income$41,576$1$(1)$41,576
Noninterest income5,7752,908(1)8,682
Total consolidated revenues50,258

Item 1. Consolidated Statements of Condition (Unaudited)

FAQ

What is ACNB's insurance — capex?
ACNB (ACNB) reported insurance — capex of $0 in Q2 2026.
How has ACNB's insurance — capex changed year-over-year?
ACNB's insurance — capex decreased by 100.0% year-over-year, from $14K to $0.
What is the long-term trend for ACNB's insurance — capex?
Over 3 years (2022 to 2025), ACNB's insurance — capex has grown at a 23.7% compound annual growth rate (CAGR), from $28K to $53K.
What does insurance — capex mean?
Measures the funds used by the insurance segment to acquire, upgrade, and maintain physical assets such as property, technology, or equipment. This indicates the level of investment in long-term infrastructure required to support insurance operations and service delivery.

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