Filing Flows › Acnb (ACNB) › Q3 2026
Acnb (ACNB) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 5, 2026
Acnb (ACNB) reported revenue of $54.0M for the third quarter 2026 (Q3 2026), +6% from a year earlier and +3% from the quarter before. Operating margin was 36.5%, net earnings $15.7M (29.1% of revenue).
Acnb, Q3 2026: revenue $54.0M (+6% year over year), operating margin 36.5%, net earnings $15.7M, operating cash flow $47.1M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $54.0M | +3% | +6% |
| Operating profit | $19.7M | +2% | +4% |
| Net earnings | $15.7M | +3% | +6% |
| Operating cash flow | $47.1M | — | +75% |
| Free cash flow | $46.6M | — | +76% |
What changed
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.
Questions
What was Acnb's revenue in the third quarter 2026?
Acnb (ACNB) reported revenue of $54.0M for the third quarter 2026 (Q3 2026), +6% from a year earlier and +3% from the quarter before.
Was Acnb profitable in the third quarter 2026?
Operating profit was $19.7M (36.5% of revenue) and net earnings $15.7M.
Source: Acnb 10-Q on SEC EDGAR.