ACNBACNB CORP
State Commercial Banks
- Revenue
- $192M
- 45% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- $665M
- Employees
- 2,025
- $95K revenue each
- Net debt / EBITDA
- —
- $133M net debt
- AI in 10-K
- 2.9
- mentions per 10K words
Takeover score 1 of 13
Fixable underperformance 0 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo145% of net incomeCash flow under 80% of net income
- Dilutive SBCNo1% of revenueOver 10% of revenue
- Payouts exceed cash flowNo48% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo2% of assetsOver 40% of assets
- Shareholder dissentNo95% lowest supportAny vote under 80% support
Buyer economics 1 of 4
- Low revenue per employeeNo$95K · 59th pctBottom quartile of its SIC industry
- Quiet on AINo2.9 per 10K words · 68th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedYes$665M market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo−$590K netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | — | $109M | $115M | $132M | $192M | 45% |
| Net income | $28M | $36M | $32M | $32M | $37M | 16% |
| Operating cash flow | $42M | $39M | $41M | $40M | $54M | 35% |
| Capex | $2M | $2M | $1M | $960K | $1M | 12% |
| Stock-based comp | — | — | $1M | $1M | $1M | 12% |
| Buybacks | $2M | $7M | $2M | $249K | $11M | 4384% |
| Dividends | $9M | $9M | $10M | $11M | $14M | 34% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $17K · 4
- Open-market sells, 12 mo
- $607K · 5
- Net
- −$590K
Pay vs performance
No pay-versus-performance disclosure yet.