$340.49M Market Cap.
ACNB Market Cap. (MRY)
ACNB Shares Outstanding (MRY)
ACNB Assets (MRY)
Total Assets
$2.39B
Total Liabilities
$2.09B
Total Investments
$2.22B
ACNB Income (MRY)
Revenue
$111.10M
Net Income
$31.85M
Operating Expense
$70.69M
ACNB Cash Flow (MRY)
CF Operations
$39.78M
CF Investing
$2.43M
CF Financing
-$60.91M
ACNB Dividends (MRY)
Period | Dividends | Yield % | Growth % | Payout Ratio | Coverage Ratio |
|---|---|---|---|---|---|
2024 | $1.26 | 3.20% | 10.53% | 33.60% | 2.98 |
2023 | $1.14 | 2.50% | 7.55% | 30.65% | 3.26 |
2022 | $1.06 | 2.70% | 2.91% | 25.54% | 3.92 |
2021 | $1.03 | 3.30% | 3.00% | 32.29% | 3.10 |
2020 | $1.00 | 4.00% | - | 46.95% | 2.13 |
ACNB Balance Sheet (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Total Assets | $2,394,830,000 (-0.99%) | $2,418,847,000 (-4.22%) | $2,525,507,000 (-9.38%) | $2,786,987,000 (9.06%) |
Assets Current | - | - | - | - |
Assets Non-Current | - | - | - | - |
Goodwill & Intangible Assets | $52,023,000 (-2.34%) | $53,267,000 (-2.29%) | $54,517,000 (13.08%) | $48,209,000 (-2.36%) |
Shareholders Equity | $303,273,000 (9.30%) | $277,461,000 (13.23%) | $245,042,000 (-9.95%) | $272,114,000 (5.48%) |
Property Plant & Equipment Net | $28,117,000 (-2.70%) | $28,898,000 (-4.36%) | $30,215,000 (-11.78%) | $34,250,000 (-5.28%) |
Cash & Equivalents | $47,262,000 (-28.35%) | $65,958,000 (-60.78%) | $168,161,000 (-76.32%) | $710,131,000 (77.82%) |
Accumulated Other Comprehensive Income | -$41,668,000 (7.22%) | -$44,909,000 (22.59%) | -$58,012,000 (-507.77%) | -$9,545,000 (-69.30%) |
Deferred Revenue | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Total Investments | $2,219,108,000 (0.14%) | $2,216,071,000 (-0.26%) | $2,221,873,000 (13.04%) | $1,965,566,000 (-3.95%) |
Investments Current | - | - | - | - |
Investments Non-Current | - | - | - | - |
Inventory | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Trade & Non-Trade Receivables | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Trade & Non-Trade Payables | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Accumulated Retained Earnings (Deficit) | $234,624,000 (9.90%) | $213,491,000 (10.12%) | $193,873,000 (15.93%) | $167,238,000 (12.72%) |
Tax Assets | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Tax Liabilities | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Total Debt | $273,923,000 (7.51%) | $254,789,000 (285.37%) | $66,116,000 (-9.64%) | $73,172,000 (-23.26%) |
Debt Current | - | - | - | - |
Debt Non-Current | - | - | - | - |
Total Liabilities | $2,091,557,000 (-2.33%) | $2,141,386,000 (-6.10%) | $2,280,465,000 (-9.32%) | $2,514,873,000 (9.47%) |
Liabilities Current | - | - | - | - |
Liabilities Non-Current | - | - | - | - |
ACNB Income Statement (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Revenues | $111,104,000 (4.89%) | $105,921,000 (0.65%) | $105,232,000 (11.98%) | $93,970,000 (11.85%) |
Cost of Revenue | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Selling General & Administrative Expense | $56,552,000 (2.65%) | $55,093,000 (10.46%) | $49,875,000 (0.93%) | $49,414,000 (4.86%) |
Research & Development Expense | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Operating Expenses | $70,685,000 (6.98%) | $66,072,000 (9.61%) | $60,281,000 (2.26%) | $58,951,000 (-3.86%) |
Interest Expense | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Income Tax Expense | $8,573,000 (5.05%) | $8,161,000 (-11.28%) | $9,199,000 (28.03%) | $7,185,000 (66.78%) |
Net Loss Income from Discontinued Operations | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Consolidated Income | $31,846,000 (0.50%) | $31,688,000 (-11.37%) | $35,752,000 (28.45%) | $27,834,000 (51.32%) |
Net Income to Non-Controlling Interests | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Net Income | $31,846,000 (0.50%) | $31,688,000 (-11.37%) | $35,752,000 (28.45%) | $27,834,000 (51.32%) |
Preferred Dividends Income Statement Impact | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Net Income Common Stock | $31,846,000 (0.50%) | $31,688,000 (-11.37%) | $35,752,000 (28.45%) | $27,834,000 (51.32%) |
Weighted Average Shares | $8,503,473 (-0.05%) | $8,507,708 (-0.03%) | $8,510,438 (-2.12%) | $8,695,071 (-0.09%) |
Weighted Average Shares Diluted | $8,536,965 | - | - | - |
Earning Before Interest & Taxes (EBIT) | $40,419,000 (1.43%) | $39,849,000 (-11.35%) | $44,951,000 (28.36%) | $35,019,000 (54.26%) |
Gross Profit | $111,104,000 (4.89%) | $105,921,000 (0.65%) | $105,232,000 (11.98%) | $93,970,000 (11.85%) |
Operating Income | $40,419,000 (1.43%) | $39,849,000 (-11.35%) | $44,951,000 (28.36%) | $35,019,000 (54.26%) |
ACNB Cash Flow Statement (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Net Cash Flow from Investing | $2,428,000 (-84.27%) | $15,437,000 (104.65%) | -$331,723,000 (-648.11%) | $60,521,000 (152.70%) |
Net Cash Flow from Financing | -$60,906,000 (61.51%) | -$158,242,000 (36.56%) | -$249,448,000 (-219.85%) | $208,132,000 (-44.41%) |
Net Cash Flow from Operations | $39,782,000 (-2.02%) | $40,602,000 (3.57%) | $39,201,000 (-6.94%) | $42,126,000 (65.39%) |
Net Cash Flow / Change in Cash & Cash Equivalents | -$18,696,000 (81.71%) | -$102,203,000 (81.14%) | -$541,970,000 (-274.39%) | $310,779,000 (9.05%) |
Net Cash Flow - Business Acquisitions and Disposals | $0 (0%) | -$174,000 (97.64%) | -$7,379,000 (0%) | $0 (0%) |
Net Cash Flow - Investment Acquisitions and Disposals | $3,388,000 (-74.04%) | $13,049,000 (104.19%) | -$311,426,000 (-610.15%) | $61,046,000 (140.83%) |
Capital Expenditure | -$960,000 (17.81%) | -$1,168,000 (-62.67%) | -$718,000 (47.32%) | -$1,363,000 (-107.77%) |
Issuance (Repayment) of Debt Securities | $18,944,000 (-90.03%) | $189,928,000 (2833.56%) | -$6,948,000 (68.85%) | -$22,307,000 (-31.43%) |
Issuance (Purchase) of Equity Shares | $175,000 (113.40%) | -$1,306,000 (78.12%) | -$5,969,000 (-309.68%) | -$1,457,000 (-276.82%) |
Payment of Dividends & Other Cash Distributions | -$10,713,000 (-10.42%) | -$9,702,000 (-6.42%) | -$9,117,000 (-1.66%) | -$8,968,000 (-3.26%) |
Effect of Exchange Rate Changes on Cash | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Share Based Compensation | $1,263,000 (25.80%) | $1,004,000 (37.72%) | $729,000 (101.38%) | $362,000 (-15.42%) |
Depreciation Amortization & Accretion | $3,033,000 (-9.79%) | $3,362,000 (-11.43%) | $3,796,000 (10.32%) | $3,441,000 (-5.75%) |
ACNB Financial Metrics (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Gross Margin | 100.00% (0.00%) | 100.00% (0.00%) | 100.00% (0.00%) | 100.00% (0.00%) |
Profit Margin | 28.70% (-4.01%) | 29.90% (-12.06%) | 34.00% (14.86%) | 29.60% (35.16%) |
EBITDA Margin | 39.10% (-4.17%) | 40.80% (-11.88%) | 46.30% (13.20%) | 40.90% (30.25%) |
Return on Average Equity (ROAE) | 10.80% (-10.74%) | 12.10% (-17.12%) | 14.60% (40.38%) | 10.40% (42.47%) |
Return on Average Assets (ROAA) | 1.30% (0.00%) | 1.30% (0.00%) | 1.30% (30.00%) | 1.00% (25.00%) |
Return on Sales (ROS) | 36.40% (-3.19%) | 37.60% (-11.94%) | 42.70% (14.48%) | 37.30% (38.15%) |
Return on Invested Capital (ROIC) | 1.60% (0.00%) | 1.60% (-15.79%) | 1.90% (18.75%) | 1.60% (60.00%) |
Dividend Yield | 3.20% (28.00%) | 2.50% (-7.41%) | 2.70% (-18.18%) | 3.30% (-17.50%) |
Price to Earnings Ratio (P/E) | 10.62 (-11.73%) | 12.03 (25.42%) | 9.59 (-2.17%) | 9.81 (-16.45%) |
Price to Sales Ratio (P/S) | 3.05 (-15.22%) | 3.6 (11.65%) | 3.22 (11.26%) | 2.89 (11.74%) |
Price to Book Ratio (P/B) | 1.12 (-18.15%) | 1.37 (-0.80%) | 1.38 (38.30%) | 1 (18.62%) |
Debt to Equity Ratio (D/E) | 6.9 (-10.64%) | 7.72 (-17.06%) | 9.31 (0.69%) | 9.24 (3.77%) |
Earnings Per Share (EPS) | 3.75 (0.81%) | 3.72 (-10.36%) | 4.15 (30.09%) | 3.19 (49.77%) |
Sales Per Share (SPS) | 13.07 (4.95%) | 12.45 (0.69%) | 12.37 (14.42%) | 10.81 (11.94%) |
Free Cash Flow Per Share (FCFPS) | 4.57 (-1.51%) | 4.63 (2.50%) | 4.52 (-3.54%) | 4.69 (64.43%) |
Book Value Per Share (BVPS) | 35.66 (9.36%) | 32.61 (13.27%) | 28.79 (-7.99%) | 31.3 (5.58%) |
Tangible Assets Book Value Per Share (TABVPS) | 275.51 (-0.91%) | 278.05 (-4.24%) | 290.35 (-7.82%) | 314.98 (9.39%) |
Enterprise Value Over EBIT (EV/EBIT) | 14 (16.67%) | 12 (1100.00%) | 1 (110.00%) | -10 (-1100.00%) |
Enterprise Value Over EBITDA (EV/EBITDA) | 13.29 (21.45%) | 10.95 (950.38%) | 1.04 (111.10%) | -9.39 (-896.94%) |
Asset Turnover | 0.05 (4.55%) | 0.04 (10.00%) | 0.04 (17.65%) | 0.03 (-2.86%) |
Current Ratio | - | - | - | - |
Dividends | $1.26 (10.53%) | $1.14 (7.55%) | $1.06 (2.91%) | $1.03 (3.00%) |
Free Cash Flow (FCF) | $38,822,000 (-1.55%) | $39,434,000 (2.47%) | $38,483,000 (-5.59%) | $40,763,000 (64.27%) |
Enterprise Value (EV) | $577,600,734 (22.13%) | $472,936,010 (831.06%) | $50,795,537 (114.07%) | -$361,079,179 (-1262.68%) |
Earnings Before Tax (EBT) | $40,419,000 (1.43%) | $39,849,000 (-11.35%) | $44,951,000 (28.36%) | $35,019,000 (54.26%) |
Earnings Before Interest Taxes & Depreciation Amortization (EBITDA) | $43,452,000 (0.56%) | $43,211,000 (-11.36%) | $48,747,000 (26.75%) | $38,460,000 (45.94%) |
Invested Capital | $2,569,468,000 (0.59%) | $2,554,411,000 (7.83%) | $2,368,945,000 (12.71%) | $2,101,819,000 (-4.55%) |
Working Capital | - | - | - | - |
Tangible Asset Value | $2,342,807,000 (-0.96%) | $2,365,580,000 (-4.27%) | $2,470,990,000 (-9.78%) | $2,738,778,000 (9.29%) |
Market Capitalization | $340,491,734 (-10.59%) | $380,805,010 (12.40%) | $338,800,537 (24.57%) | $271,981,821 (25.00%) |
Average Equity | $294,819,750 (12.74%) | $261,502,250 (6.69%) | $245,113,250 (-8.02%) | $266,483,000 (5.13%) |
Average Assets | $2,421,946,250 (0.95%) | $2,399,113,250 (-9.54%) | $2,652,244,500 (-3.05%) | $2,735,729,000 (13.39%) |
Invested Capital Average | $2,595,958,750 (7.28%) | $2,419,852,250 (4.70%) | $2,311,323,750 (7.92%) | $2,141,653,000 (-2.76%) |
Shares | 8,548,625 (0.48%) | 8,507,708 (-0.03%) | 8,510,438 (-2.12%) | 8,695,071 (-0.09%) |
