ACNB reports record 2025 net income of $37.1M, Q4 EPS $1.04 vs $0.77 YoY

ACNB CORP

2025-FY EPS reported $3.60 revenue$191,821,000

Full-year diluted EPS of $3.60, up from $2.65 in 2024; Q4 diluted EPS of $1.04 vs $0.77 a year ago.
Fully taxable-equivalent net interest margin widened to 4.23% for 2025 from 3.79% in 2024.
Quarterly dividend raised 19% to $0.38 per share; 21% stock price increase in calendar 2025.
Acquisition of Traditions Bancorp completed Feb 1, 2025; included $74.6M securities repositioning with $2.8M after-tax loss.
Non-performing loans to total loans edged up to 0.46% from 0.40%; net charge-offs remained low at 0.01%.

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