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ACNB ACNB Occupancy and equipment

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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:OccupancyNet.

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
NONINTEREST EXPENSES
Salaries and employee benefits13,76113,69327,78826,554
Equipment2,5522,5395,1524,819
Net occupancy1,2091,2772,7422,719
Intangible assets amortization1,0281,1412,0841,998
Professional services7367431,4141,320
Other tax317220894747
FDIC and regulatory459435901836

Item 1. Consolidated Statements of Condition (Unaudited)

FAQ

What is ACNB's occupancy and equipment?
ACNB (ACNB) reported occupancy and equipment of $1.21M in Q2 2026.
How has ACNB's occupancy and equipment changed year-over-year?
ACNB's occupancy and equipment decreased by 5.3% year-over-year, from $1.28M to $1.21M.
What is the long-term trend for ACNB's occupancy and equipment?
Over 4 years (2021 to 2025), ACNB's occupancy and equipment has grown at a 5.9% compound annual growth rate (CAGR), from $4.11M to $5.18M.
What does occupancy and equipment mean?
Costs for office and branch facilities (rent, utilities, maintenance) and equipment (depreciation, repairs, technology hardware) used in operations.

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