What is ACNB's net margin?

ACNB (ACNB) reported net margin of 25.7% in Q1 2026.

How has ACNB's net margin changed year-over-year?

ACNB's net margin increased by 42.9% year-over-year, from 18% to 25.7%.

What is the long-term trend for ACNB's net margin?

Over 5 years (2020 to 2025), ACNB's net margin has grown at a -0.4% compound annual growth rate (CAGR), from 19.7% to 19.3%.

What does net margin mean?

Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.

ACNB ACNB Net margin

Net margin at other companies

M&T BankMTB

29.8%+1.5pp

Fulton FinancialFULT

29.7%+4.9pp

PNC Financial ServicesPNC

30.5%+2.6pp

CNB FinancialCCNE

26.5%+3.2pp

Home BancorpHBCP

30.7%+3.1pp

Old National BancorpONB

27.7%-1.5pp

Other financials

Income statement

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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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FCF margin39.5%+20.6pp

Returns & leverage

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Return on equity12.6%+5.1pp

Debt / equity0.8×-0.2×

Where this comes from

Calculated from ACNB’s reported figures.

net income/total revenue=25.7%

Based on trailing twelve months.

The official record: ACNB’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is ACNB's net margin?: ACNB (ACNB) reported net margin of 25.7% in Q1 2026.
How has ACNB's net margin changed year-over-year?: ACNB's net margin increased by 42.9% year-over-year, from 18% to 25.7%.
What is the long-term trend for ACNB's net margin?: Over 5 years (2020 to 2025), ACNB's net margin has grown at a -0.4% compound annual growth rate (CAGR), from 19.7% to 19.3%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.