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ACNB ACNB Loans, including fees

Loans, including fees at other companies

Chemung Financial logo
Chemung FinancialCHMG
$75K0.0%
Fulton Financial logo
Fulton FinancialFULT
$349M+0.1%
Midland States Bancorp logo
Midland States BancorpMSBI
$65.56M-15.6%
Midland States Bancorp logo
Midland States BancorpMSBI
$383K+7.6%
Burke & Herbert Financial Services Corp. logo
Burke & Herbert Financial Services Corp.BHRB
$55K+27.9%
Burke & Herbert Financial Services Corp. logo
Burke & Herbert Financial Services Corp.BHRB
$55K+27.9%

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$661.15M+51.1%
Enterprise value$946.67M+31.9%
P/E12.1×-5.3×
P/S3.3×+0.6×

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 acnb:InterestAndFeeIncomeLoansAndLeasesTaxable.

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
(Dollars in thousands, except share data)Three Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
INTEREST AND DIVIDEND INCOME
Loans, including fees:
Taxable$37,883$36,555$74,185$68,231
Tax-exempt349317687609
Investment Securities:
Taxable4,3433,2838,5846,185
Tax-exempt320283634571
Dividends266307600647

Item 1. Consolidated Statements of Condition (Unaudited)

FAQ

What is ACNB's loans, including fees?
ACNB (ACNB) reported loans, including fees of $37.88M in Q2 2026.
How has ACNB's loans, including fees changed year-over-year?
ACNB's loans, including fees increased by 3.6% year-over-year, from $36.56M to $37.88M.
What is the long-term trend for ACNB's loans, including fees?
Over 3 years (2022 to 2025), ACNB's loans, including fees has grown at a 27.4% compound annual growth rate (CAGR), from $68.9M to $142.49M.
What does loans, including fees mean?
Loans, including fees as reported by ACNB Corp.

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