Filing Flows › Financials › Acnb (ACNB)
Acnb (ACNB) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · Acnb (ACNB) Q3 2026 earnings results →
Q3 2026 Revenue up 6% year over year to $54.0M · 29¢ of every $1 of revenue kept as net profit · operating margin 36.5%
Acnb made $54.0M in Q3 2026 (+6% Y/Y). Operating margin 36.5%, net earnings $15.7M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $54.0M in Q3 2026, up 6% year over year and up 3% from the previous quarter.
Operating profit was $19.7M, a 36.5% margin (down 0.7 points year over year). Of the extra revenue versus Q3 2025, 25% reached operating profit, below the 37% margin then. Total costs grew 7% against revenue growth of 6%. Net earnings were $15.7M, up 6% year over year. The effective tax rate was 20.1%.
Operating cash flow was $47.1M (up 75% year over year), 299% of net earnings. Non-cash charges added back $1.5M of depreciation and amortization. Working capital and other items added $29.8M. Capital expenditures of $490K left free cash flow of $46.6M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $54.0M | +6% | 36.5% | $15.7M | $47.1M |
| Q2 2026 | 10-Q | Aug 6, 2026 | $52.5M | +4% | 36.7% | $15.2M | −$3.4M |
| Q1 2026 | 10-Q | May 7, 2026 | $50.5M | +16% | 34.2% | $13.7M | $24.3M |
| Q4 2025 | 10-K | Mar 12, 2026 | $47.2M | +42% | 27.9% | $10.8M | $12.8M |
| Q3 2025 | 10-Q | Nov 6, 2025 | $50.9M | +49% | 37.2% | $14.9M | $23.2M |
| Q2 2025 | 10-Q | Aug 7, 2025 | $50.3M | +51% | 29.7% | $11.6M | $17.8M |
| Q1 2025 | 10-Q | May 9, 2025 | $43.5M | +37% | -1.3% | −$272K | −$71K |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
Loading the interactive chart…
🌏Named in Asian annual reportsinteractive
Loading the interactive chart…
🔄Rotation against the market and its industry (RRG)interactive
Loading the interactive chart…
🔍Earnings qualityinteractive
Loading the interactive chart…
⚖️Fair value by methodinteractive
Loading the interactive chart…
🔭Outlook & guidanceinteractive
Loading the interactive chart…
📈Investments: gains and what it boughtinteractive
Loading the interactive chart…
🏭Its industry’s money flow (input-output)interactive
Loading the interactive chart…
About Acnb
ACNB Corporation, headquartered in Gettysburg, Pennsylvania, is the financial holding company for the wholly-owned subsidiaries of ACNB Bank, Gettysburg, Pennsylvania, and ACNB Insurance Services, Westminster, Maryland. Originally founded in 1857, ACNB Bank serves its marketplace with banking, mortgage and wealth management services, including trust and retail brokerage, via a network of 33 community banking offices and two loan offices located in the Pennsylvania counties of Adams, Berks, Cumberland, Franklin, Lancaster and York and the Maryland counties of Baltimore, Carroll and Frederick. ACNB Insurance Services, the Corporation’s insurance subsidiary, is a full-service agency licensed to do business in 46 states.
In its own words, from its 10-K, filed Mar 12, 2026.
Acnb against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +6% against the peers' median +10%. Operating margin: 36.5% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| ACNB Acnb | Q3 2026 | $54.0M | +6% | 36.5% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Acnb 10-Q on SEC EDGAR · CIK 715579 · State Commercial Banks
13F: who owns ACNB and who is buying
More on ACNB
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results