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ACNB ACNB Year two

Year two at other companies

NBT
NBT BancorpNBTB
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Independent Bank Corp logo
Independent Bank CorpINDB
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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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Net margin25.7%+7.7pp
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

Reported directly by ACNB in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear.

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 year two?
ACNB (ACNB) reported year two of $239.3M in Q1 2026.
How has ACNB's year two changed year-over-year?
ACNB's year two decreased by 22.8% year-over-year, from $309.87M to $239.3M.
What is the long-term trend for ACNB's year two?
Over 2 years (2023 to 2025), ACNB's year two has grown at a -2.6% compound annual growth rate (CAGR), from $300.56M to $284.9M.
What does year two mean?
This metric captures the total amount of financing receivables that were originated exactly one fiscal year prior to the current reporting period. It is used to evaluate the vintage performance and seasoning of the loan portfolio. By tracking this, investors can assess how loans originated in the previous year are performing relative to their initial underwriting expectations.