ACNB FINANCIAL STATEMENTS

ACNB Corporation — balance sheet, income statement and cash flow trends

ACNBACNB Corporation

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue197.7 M $+37.3%

Gross Profit157.8 M $+38.8%

Operating Income64.3 M $+105.0%

EBITDA70.6 M $+101.4%

Net Income51 M $+105.7%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
ACNB	—	—	—	25.8%
TSKB	—	—	—	54.9%
NWG	—	—	—	20.1%
LLOY	—	—	—	25.9%
SKBNK	—	—	—	14.2%
ICBCT	—	—	—	24.7%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity425.5 M $13%
Current Liabilities2.6 B $80%
Long-term Liabilities219.7 M $7%

Key Figures

YoY change

Total Assets3.3 B $-0.0%

Total Liabilities2.8 B $-1.3%

Total Equity425.5 M $+10.0%

Cash & ST Investments93.6 M $-83.8%

Total Debt283.6 M $-7.1%

Net Debt189.9 M $+4.5%

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
ACNB	0.04	66.6%	2.69	13.0%
TSKB	—	0.0%	-0.47	13.4%
NWG	0.25	17.0%	-14.68	5.2%
LLOY	0.12	209.8%	5.39	5.0%
SKBNK	—	0.0%	-13.41	5.9%
ICBCT	—	0.0%	-20.34	4.0%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
ACNB	0.04	66.6%	2.69	13.0%
RRBI	0.08	0.4%	-3.62	11.2%
BHB	0.06	40.1%	-0.68	11.5%
NRIM	46.93	27.8%	-3.94	10.0%
BWB	0.13	84.2%	-1.18	9.9%
MSBI	0.26	74.9%	-17.64	8.5%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow78 M $+170.1%

Capital Expenditures2.5 M $+62.2%

Free Cash Flow75.9 M $+177.5%

Dividends Paid-14.9 M $-229.4%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
ACNB	39.5%	38.4%	1.3%	152.9%
TSKB	54.9%	71.9%	17.0%	100.0%
NWG	—	—	0.0%	—
LLOY	—	—	0.0%	—
SKBNK	14.2%	31.2%	17.0%	100.0%
ICBCT	24.7%	29.9%	5.1%	100.0%
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
ACNB	39.5%	38.4%	1.3%	152.9%
RRBI	27.8%	25.3%	2.5%	107.7%
BHB	18.1%	13.9%	4.2%	109.3%
NRIM	60.8%	57.5%	3.3%	230.9%
BWB	12.0%	9.6%	2.4%	67.5%
MSBI	26.3%	26.1%	1.0%	335.5%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.