Filing Flows › Acnb (ACNB) › Q3 2025
Acnb (ACNB) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 6, 2025
Acnb (ACNB) reported revenue of $50.9M for the third quarter 2025 (Q3 2025), +49% from a year earlier and +1% from the quarter before. Operating margin was 37.2%, net earnings $14.9M (29.2% of revenue).
Acnb, Q3 2025: revenue $50.9M (+49% year over year), operating margin 37.2%, net earnings $14.9M, operating cash flow $23.2M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $50.9M | +1% | +49% |
| Operating profit | $18.9M | +27% | +101% |
| Net earnings | $14.9M | +28% | +106% |
| Operating cash flow | $23.2M | +31% | +71% |
| Free cash flow | $22.8M | +27% | +71% |
What changed
Revenue was $50.9M in Q3 2025, up 49% year over year and up 1% from the previous quarter.
Operating profit was $18.9M, a 37.2% margin (up 9.5 points year over year). Of the extra revenue versus a year earlier, 56% reached operating profit, above the 28% margin then. Total costs grew 30% against revenue growth of 49%. Net earnings were $14.9M, up 106% year over year. The effective tax rate was 21.4%.
Operating cash flow was $23.2M (up 71% year over year), 156% of net earnings. Non-cash charges added back $1.8M of depreciation and amortization and $301K of share-based compensation. Working capital and other items added $6.3M. Capital expenditures of $430K left free cash flow of $22.8M.
Questions
What was Acnb's revenue in the third quarter 2025?
Acnb (ACNB) reported revenue of $50.9M for the third quarter 2025 (Q3 2025), +49% from a year earlier and +1% from the quarter before.
Was Acnb profitable in the third quarter 2025?
Operating profit was $18.9M (37.2% of revenue) and net earnings $14.9M.
Source: Acnb 10-Q on SEC EDGAR.