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ACNB ACNB Operating Lease Liability - Undiscounted Excess Amount

Operating Lease Liability - Undiscounted Excess Amount at other companies

M&T Bank logo
M&T BankMTB
$97M+5.4%
CNB Financial logo
CNB FinancialCCNE
$26.16M+5.7%
Home Bancorp logo
Home BancorpHBCP
$5.44M-8.0%
BCB Bancorp logo
BCB BancorpBCBP
$959K-20.7%

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:LesseeOperatingLeaseLiabilityUndiscountedExcessAmount.

The source filing: ACNB’s 10-K, filed March 12, 2026.

Filed
Mar 12, 2026, 4:08 PM EDT
Fiscal year
FY2025
Accession
0001628280-26-017229
Year(In thousands)(In thousands)
2027860
2028829
2029701
2030496
Thereafter962
Total minimum lease payments4,898
Less: amount representing interest 1447
Present value of net minimum lease payments$$4,451

ITEM 8 — FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is ACNB's operating lease liability - undiscounted excess amount?
ACNB (ACNB) reported operating lease liability - undiscounted excess amount of $447K in Q4 2025.
How has ACNB's operating lease liability - undiscounted excess amount changed year-over-year?
ACNB's operating lease liability - undiscounted excess amount increased by 98.7% year-over-year, from $225K to $447K.
What is the long-term trend for ACNB's operating lease liability - undiscounted excess amount?
Over 5 years (2020 to 2025), ACNB's operating lease liability - undiscounted excess amount has grown at a -17.8% compound annual growth rate (CAGR), from $1.19M to $447K.
What does operating lease liability - undiscounted excess amount mean?
This represents the difference between the total undiscounted future lease payments and the present value of those payments recorded on the balance sheet. It effectively quantifies the interest component embedded within operating lease obligations. It is a measure of the financing cost inherent in the lease portfolio.

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