What is ACNB's payments to acquire insurance book of business?

ACNB (ACNB) reported payments to acquire insurance book of business of $0 in Q4 2025.

What does payments to acquire insurance book of business mean?

Cash outflows associated with the acquisition of insurance customer lists, renewal rights, or entire books of business from other agencies. This represents an investment in intangible assets intended to expand the company's insurance service footprint and future commission revenue.

ACNB ACNB Payments to Acquire Insurance Book of Business

Payments to Acquire Insurance Book of Business at other companies

Columbia Financial, Inc.CLBK

$350K—

USCB Financial Holdings, Inc.USCB

$0-100%

Greene County BancorpGCBC

$0-100%

Heritage FinancialHFWA

$39K0.0%

Heritage FinancialHFWA

$39K0.0%

Shore BancsharesSHBI

$316K+251%

Other financials

Income statement

See full

Revenue$50.5M+16.2%

Net income$13.7M+5,138%

EPS (diluted)$1.32+4,500%

Balance sheet

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Cash & equivalents$93.6M-24.2%

Total debt$323.6M-16.0%

Total equity$425.5M+10.0%

Total assets$3.3B0.0%

Cash flow

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Operating cash flow$24.3M+1,903%

CapEx$334.0K-49.3%

Free cash flow$24.0M+1,295%

Valuation

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Market cap$596.28M+37.9%

Enterprise value$826.21M+19.0%

P/E11.7×-5.7×

P/S3×-0.1×

Profitability

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Net margin25.7%+7.7pp

FCF margin39.5%+20.6pp

Returns & leverage

See full

Return on equity12.6%+5.1pp

Debt / equity0.8×-0.2×

Where this comes from

Reported directly by ACNB in its filing.

Tagged under the XBRL concept acnb:PaymentsToAcquireInsuranceBookOfBusiness.

The official record: ACNB’s 10-K, filed March 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is ACNB's payments to acquire insurance book of business?: ACNB (ACNB) reported payments to acquire insurance book of business of $0 in Q4 2025.
What does payments to acquire insurance book of business mean?: Cash outflows associated with the acquisition of insurance customer lists, renewal rights, or entire books of business from other agencies. This represents an investment in intangible assets intended to expand the company's insurance service footprint and future commission revenue.