ACNB Corp
ACNBFinancial·Banks - Regional·USA·Small·NASD·Nov 13 • 6:00 AM ET
Price
ACNB against its 20, 50 and 200-day averages2.9% under the 52-week high of 68.85 on 5 Nov 2026. 52-week low 44.21 on 18 Mar 2026. Last 15 sessions, 6.8% high to low
Volume 0.00× normal · the line is the 50-bar volume average
Setup. RS line 100
CANSLIM 1 of 6 — fails: EPS Growth Qtr Over Qtr: High (>25%); EPS Growth This Year: High (>25%); Performance: Year +50%; Institutional Ownership: Over 50%; Average Volume: Over 200K
VCP 6 of 6
Minervini 3 of 4 — fails: Performance: Year +50%
Zanger 3 of 5 — fails: Performance: Week +10%; Relative Volume: Over 1.5
Leaders 3 of 5 — fails: Performance: Year +50%; Average Volume: Over 500K
Breakout 2 of 4 — fails: 52-Week High/Low: New High; Relative Volume: Over 2
Growth 0 of 4 — fails: EPS Growth Qtr Over Qtr: High (>25%); EPS Growth This Year: High (>25%); EPS Growth Next Year: High (>25%); Return on Equity: Over +15%
Quality 2 of 5 — fails: Return on Equity: Over +15%; Debt/Equity: Low (<0.1); Current Ratio: Over 1
Value 2 of 4 — fails: Return on Equity: Over +15%; Debt/Equity: Low (<0.1)
Income 3 of 4 — fails: Payout Ratio: Low (<20%)
Small Cap 2 of 4 — fails: Average Volume: Over 500K; Performance: Year +50%
Accumulation 3 of 4 — fails: Institutional Transactions: Over +10%
Relative Strength 1 of 3 — fails: Performance: Year +100%; Average Volume: Over 500K
Profile
ACNBACNB Corp. is a holding company, which engages in the provision of banking, financial and wealth management services. It operates through the following segments Bank and RIG. The Bank segment offers bank and related financial services. The RIG segment offers property and casualty, life and health insurance to both commercial and individual clients. The company was founded in 1982 and is headquartered in Gettysburg, PA.
| Index | RUT |
|---|---|
| Employees | 537 |
| IPO | Apr 04, 1994 |
| Beta | 0.90 |
| ATR, 14d | 1.40 |
| Rel volume | 0.00 |
| Short float | 5.81% |
| Insider own | 4.05% |
| Inst own | 41.78% |
Snapshot
6 groupsValuation
| Index | RUT |
|---|---|
| Market Cap | $679.18M |
| Enterprise Value | - |
| Income | 55.45M |
| Sales | 204.23M |
| Book / share | 41.37 |
| Cash / share | - |
| Dividend Est. | 2.21 (3.31%) |
| Dividend TTM | 1.59 (2.39%) |
| Dividend Ex-Date | Dec 01, 2026 |
| Dividend Gr. 3/5Y | 9.19% 6.65% |
| Payout | 38.33% |
| Employees | 537 |
| IPO | Apr 04, 1994 |
Ratios
| Price / earnings | 12.38 |
|---|---|
| Forward price / earnings | 11.72 |
| Price / earnings / growth | 3.02 |
| Price / sales | 3.33 |
| Price / book | 1.62 |
| Price / cash | - |
| Price / free cash flow | 8.58 |
| Value / cash profit | - |
| Value / sales | - |
| Quick Ratio | - |
| Current Ratio | 0.05 |
| Debt / equity | 0.80 |
| Long-term debt / equity | 0.43 |
| Options and short | Yes / Yes |
Earnings
| Earnings / share | 5.40 |
|---|---|
| Earnings next year | 5.70 |
| Earnings next quarter | 1.45 |
| Earnings this year | 12.29% |
| Earnings next year | -0.27% |
| Earnings growth, 5 years | 3.88% |
| Past earnings growth | -4.59% 11.08% |
| Past sales growth | 20.79% 12.73% |
| Earnings vs last year | 64.71% |
| Sales vs last year | 14.87% |
| Earnings vs last quarter | 8.75% |
| Sales vs last quarter | 6.14% |
| Earnings | Oct 22 BMO |
| Surprise | 5.80% 0.31% |
Ownership
| Insiders own | 4.05% |
|---|---|
| Insider trades | -0.36% |
| Institutions own | 41.78% |
| Institution trades | 0.04% |
| Return on assets | 1.69% |
| Return on equity | 13.38% |
| Return on capital | 9.25% |
| Gross Margin | - |
| Operating margin | 34.25% |
| Profit Margin | 27.15% |
| 20-day average | 1.78% |
| 50-day average | 3.57% |
| 200-day average | 16.42% |
Technical
| Shares out | 10.16M |
|---|---|
| Shares floating | 9.75M |
| Short / float | 5.81% |
| Short ratio | 8.70 |
| Short interest | 0.57M |
| 52-week high | 68.85 -2.9% |
| 52-week low | 44.21 +51.1% |
| Volatility | 1.79% 2.22% |
| Average range | 1.40 |
| Strength index | 59.72 |
| Market sensitivity | 0.90 |
| Relative volume | 0.00 |
| Avg Volume | 65.12K |
| Volume | 3 |
Performance
| Perf Week | 1.95% |
|---|---|
| Perf Month | 5.76% |
| Perf Quarter | 3.81% |
| Perf Half Y | 29.62% |
| Perf YTD | 39.49% |
| Perf Year | 40.85% |
| Perf 3Y | 88.86% |
| Perf 5Y | 138.98% |
| Perf 10Y | 119.47% |
| Recommendation | 2.00 |
| Target Price | 70.33 |
| Prev Close | 66.92 |
| Price | 66.82 |
| Change % | -0.15% |
Analyst ratings
latest 10 of 10| Date | Action | Analyst | Rating change | Target | Implied |
|---|---|---|---|---|---|
| Jul 27, 2026 | Reiterated | Hovde Group | Market Perform | $57 → $64 | -4.2% |
| May 27, 2026 | Downgrade | Hovde Group | Outperform → Market Perform | $57 | -14.7% |
| Oct 07, 2025 | Downgrade | Raymond James | Outperform → Mkt Perform | ||
| Mar 21, 2025 | Initiated | Raymond James | Outperform | $47 | -29.7% |
| Mar 03, 2025 | Upgrade | Piper Sandler | Neutral → Overweight | $37 → $50 | -25.2% |
| Nov 19, 2024 | Initiated | Janney | Buy | $53 | -20.7% |
| Jul 31, 2024 | Upgrade | Hovde Group | Market Perform → Outperform | $45 | -32.7% |
| Dec 18, 2023 | Downgrade | Hovde Group | Outperform → Market Perform | $40 → $47 | -29.7% |
| May 31, 2023 | Initiated | Hovde Group | Outperform | $36 | -46.1% |
| May 19, 2023 | Initiated | Piper Sandler | Neutral | $31 | -53.6% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| ORRF | Orrstown Financial Services Inc | 867.47M |
| MPB | Mid Penn Bancorp Inc | 892.61M |
| FRAF | Franklin Financial Services Corp | 314.06M |
| CZNC | Citizens & Northern Corp | 501.85M |
| PFIS | Peoples Financial Services Corp | 729.26M |
| CZFS | Citizens Financial Services Inc | 411.22M |
| CCNE | CNB Financial Corp (PA) | 1.06B |
| SHBI | Shore Bancshares Inc | 756.40M |
| UVSP | Univest Financial Corp | 1.10B |
| QNBC | QNB Corp | 294.12M |
Insider trading
10 filings| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| ELSNER FRANK III | Director | Sep 15 '26 | Buy | 65.29 | 4 | 250 | 29,071 | Sep 17 09:53 AM |
| Seibel Donald Arthur Jr | Director | Aug 07 '26 | Sale | 64.35 | 1,500 | 96,525 | 5,312 | Aug 07 03:47 PM |
| Seibel Donald Arthur Jr | Director | Aug 06 '26 | Proposed Sale | 65.01 | 1,500 | 97,515 | Aug 07 03:17 PM | |
| ELSNER FRANK III | Director | Mar 13 '26 | Buy | 46.42 | 5 | 250 | 28,484 | Mar 17 11:40 AM |
| Hayes Kevin J | SVP/Secretary & Gen. Counsel | Feb 03 '26 | Sale | 51.30 | 750 | 38,477 | 2,632 | Feb 04 10:49 AM |
| FULK BRETT D | ACNB Bank EVP | Jan 26 '26 | Sale | 48.52 | 1,486 | 72,104 | 1,048 | Jan 27 04:28 PM |
| FULK BRETT D | ACNB Bank EVP | Dec 15 '25 | Sale | 52.27 | 2,773 | 144,957 | 3,306 | Dec 17 01:23 PM |
| ELSNER FRANK III | Director | Dec 15 '25 | Buy | 52.65 | 5 | 250 | 28,174 | Dec 17 01:23 PM |
| Seibel Donald Arthur Jr | Director | Dec 11 '25 | Sale | 51.00 | 5,000 | 255,000 | 5,927 | Dec 12 12:27 PM |
| Kelley Scott L | Director | Nov 20 '25 | Buy | 40.00 | 396 | 15,840 | 27,425 | Nov 21 11:43 AM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| AVUV | Avantis U.S. Small Cap Value ETF | AUM: 33.08B |
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 696.31B |
| IWM | iShares Russell 2000 Index Fund | AUM: 77.86B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.79B |
| IWN | iShares Russell 2000 Value ETF | AUM: 14.17B |
| DFAT | U.S. Targeted Value Portfolio-ETF Class Shares | AUM: 14.54B |
| KRE | State Street SPDR S&P Regional Banking ETF | AUM: 4.36B |
| DFAS | U.S. Small Cap Portfolio-ETF Class Shares | AUM: 15.64B |
| BSVO | EA Bridgeway Omni Small-Cap Value ETF | AUM: 2.45B |
| VTWO | Vanguard Russell 2000 Index ETF | AUM: 16.90B |
News
latest 14 of 200- ACNB Corporation Announces Fourth Quarter of 2026 Regular and Special Cash Dividends (GlobeNewswire)
- ACNB Corporation Reports Record 2026 Third Quarter Financial Results (GlobeNewswire)
- ACNB: Q3 Earnings Snapshot (Associated Press)
- ACNB Corporation Announces Third Quarter of 2026 Cash Dividend (GlobeNewswire)
- ACNB: Q2 Earnings Snapshot (Associated Press)
- ACNB Corporation Reports Record 2026 Second Quarter Financial Results (GlobeNewswire)
- ACNB Corporation Announces Second Quarter of 2026 Regular and Special Cash Dividends and New Share Repurchase Authorization (GlobeNewswire)
- ACNB Corporation Reports 2026 First Quarter Financial Results (GlobeNewswire)
- ACNB: Q1 Earnings Snapshot (Associated Press)
- 3 Top-Ranked Dividend Stocks: A Smarter Way to Boost Your Retirement Income (Zacks)
- How to Maximize Your Retirement Portfolio with These Top-Ranked Dividend Stocks (Zacks)
- Why ACNB (ACNB) is a Great Dividend Stock Right Now (Zacks)
- 3 Top Dividend Stocks to Maximize Your Retirement Income (Zacks)
- Is ACNB (ACNB) Outperforming Other Finance Stocks This Year? (Zacks)
Quarterly earnings
2026Q3 EPS 1.550 beat 1.465, from 1.420 a year earlier. Sales 43.16 beat 43.02, from 40.54 a year earlier
The outline behind the bar is the estimate. The filled bar is the print. Green beat it, red missed it.
| Period | Reported | EPS adjusted | EPS est | EPS reported | Sales act, USD m | Sales est, USD m | Surprise | Year-ago quarter | Analysts | Next session |
|---|---|---|---|---|---|---|---|---|---|---|
| 2026Q3ended 2026-09-30 | 2026-10-22 08:30 | 1.550 | 1.465 | 1.550 | 43.16 | 43.02 | EPS +5.8% · sales +0.3% | vs 2025Q3, year-ago quarter · EPS +9.2% · sales +6.5% | 4 EPS · 3 sales | Open +1.04% vs SPY -0.87%. Close +2.75% vs SPY -1.18% |
| 2026Q2ended 2026-06-30 | 2026-07-23 08:30 | 1.490 | 1.375 | 1.490 | 42.82 | 42.21 | EPS +8.4% · sales +1.5% | vs 2025Q2, year-ago quarter · EPS +34.2% · sales +7.9% | 4 EPS · 3 sales | Open +0.40% vs SPY -1.08%. Close +3.85% vs SPY -1.23% |
| 2026Q1ended 2026-03-31 | 2026-04-23 08:30 | 1.320 | 1.248 | 1.322 | 40.40 | 39.97 | EPS +5.8% · sales +1.1% | vs 2025Q1, year-ago quarter · EPS +28.3% · sales +17.9% | 4 EPS · 3 sales | Open +1.11% vs SPY -0.24%. Close +1.49% vs SPY -0.39% |
| 2025Q4ended 2025-12-31 | 2026-01-22 08:30 | 1.350 | 1.235 | 1.040 | 40.74 | 39.69 | EPS +9.3% · sales +2.6% | vs 2024Q4, year-ago quarter · EPS +75.3% · sales +51.2% | 4 EPS · 3 sales | Open +0.28% vs SPY +0.65%. Close +0.28% vs SPY +0.52% |
| 2025Q3ended 2025-09-30 | 2025-10-23 08:30 | 1.420 | 1.180 | 1.422 | 40.54 | 39.83 | EPS +20.3% · sales +1.8% | vs 2024Q3, year-ago quarter · EPS +69.0% · sales +46.1% | 4 EPS · 3 sales | Open +1.06% vs SPY +0.05%. Close +3.11% vs SPY +0.59% |
| 2025Q2ended 2025-06-30 | 2025-07-24 08:30 | 1.110 | 1.153 | 1.111 | 39.69 | 38.85 | EPS -3.7% · sales +2.2% | vs 2024Q2, year-ago quarter · EPS -15.9% · sales +44.9% | 4 EPS · 3 sales | Open -1.78% vs SPY +0.06%. Close -0.79% vs SPY +0.03% |
| 2025Q1ended 2025-03-31 | 2025-04-24 08:30 | 1.029 | 0.928 | -0.028 | 34.27 | 32.65 | EPS +10.9% · sales +5.0% | vs 2024Q1, year-ago quarter · EPS +28.6% · sales +30.5% | 4 EPS · 3 sales | Open +0.53% vs SPY +0.24%. Close -0.94% vs SPY +2.10% |
| 2024Q4ended 2024-12-31 | 2025-01-23 16:30 | 0.770 | 0.853 | 0.771 | 26.94 | 26.40 | EPS -9.7% · sales +2.1% | vs 2023Q4, year-ago quarter · EPS +60.4% · sales +0.1% | 2 EPS · 1 sales | Open -0.43% vs SPY +0.01%. Close +0.81% vs SPY -0.29% |
| 2024Q3ended 2024-09-30 | 2024-10-24 08:30 | 0.840 | 0.950 | 0.843 | 27.75 | 28.00 | EPS -11.6% · sales -0.9% | vs 2023Q3, year-ago quarter · EPS -20.8% · sales -1.1% | 1 | Open -2.74% vs SPY +0.34%. Close -1.36% vs SPY +0.22% |
| 2024Q2ended 2024-06-30 | 2024-07-24 08:30 | 1.320 | 0.835 | 1.321 | 27.39 | 26.88 | EPS +58.1% · sales +1.9% | vs 2023Q2, year-ago quarter · EPS +17.9% · sales -3.6% | 2 | Open +0.92% vs SPY -0.89%. Close -9.54% vs SPY -2.27% |
| 2024Q1ended 2024-03-31 | 2024-04-25 08:30 | 0.800 | 0.795 | 0.795 | 26.26 | 26.14 | EPS +0.6% · sales +0.5% | vs 2023Q1, year-ago quarter · EPS -25.6% · sales -7.0% | 2 | Open -4.03% vs SPY -1.23%. Close -2.30% vs SPY -0.38% |
| 2023Q4ended 2023-12-31 | 2024-01-25 08:30 | 0.480 | 0.935 | 0.481 | 26.92 | 27.37 | EPS -48.7% · sales -1.6% | vs 2022Q4, year-ago quarter · EPS - · sales -8.6% | 2 | Open +0.51% vs SPY +0.45%. Close -0.88% vs SPY +0.54% |
| 2023Q3ended 2023-09-30 | 2023-10-27 08:30 | 1.060 | 0.990 | 1.058 | 28.06 | 27.92 | EPS +7.1% · sales +0.5% | vs 2022Q3, year-ago quarter · EPS - · sales -1.1% | 2 | - |
| 2023Q2ended 2023-06-30 | 2023-07-27 08:30 | 1.120 | 1.025 | 1.117 | 28.42 | 27.96 | EPS +9.3% · sales +1.7% | vs 2022Q2, year-ago quarter · EPS - · sales +9.8% | 2 | - |
| 2023Q1ended 2023-03-31 | 2023-04-27 08:30 | 1.075 | - | 1.059 | 28.22 | - | EPS - · sales - | vs 2022Q1, year-ago quarter · EPS - · sales +31.2% | - | - |
| 2022Q4ended 2022-12-31 | 2023-01-26 08:30 | - | - | 1.198 | 29.47 | - | EPS - · sales - | vs 2021Q4, year-ago quarter · EPS - · sales +28.7% | - | - |
Annual earnings
2025FY EPS 5.093 beat 4.965, from 3.730 a year earlier. Sales 154.92 beat 154.22, from 108.28 a year earlier
Reported years only. The outline behind the bar is the estimate. A later year with no print stays in the table.
earnings feed, not the snapshot. Not the statement ratio.
| Period | EPS adjusted | EPS est | EPS reported | Sales act, USD m | Sales est, USD m | P/E, earnings feed |
|---|---|---|---|---|---|---|
| 2028FYestimate | - | 5.709 | - | - | 177.04 | 11.70 |
| 2027FYestimate | - | 5.704 | - | - | 173.81 | 11.72 |
| 2026FYestimate | - | 5.719 | - | - | 169.32 | 11.68 |
| 2025FY | 5.093 | 4.965 | 3.600 | 154.92 | 154.22 | 9.41 |
| 2024FY | 3.730 | 3.860 | 3.730 | 108.28 | 108.2 | 10.58 |
| 2023FY | 3.710 | 4.215 | 3.712 | 111.65 | 112.09 | 11.95 |
Estimate revisions
Latest snapshot of each period and type. 2026FY E 5.72 per share.
| Period | Type | Scale | Date | Mean | vs prior date |
|---|---|---|---|---|---|
| 2026FY | E | per share | 2026-10-28 | 5.72 | -0.1% |
| 2026Q4 | E | per share | 2026-10-28 | 1.45 | 0.0% |
| 2026FY | R | per share | 2026-10-28 | 5.81 | +0.2% |
| 2026Q4 | S | per share | 2026-10-28 | 42.76 | -0.2% |
| 2026FY | S | - | 2026-10-28 | 169.32 | -0.2% |
| 2026Q4 | R | per share | 2026-10-26 | 1.45 | +1.0% |
| 2026Q3 | E | per share | 2026-10-11 | 1.47 | 0.0% |
| 2026Q3 | R | per share | 2026-10-11 | 1.47 | 0.0% |
| 2026Q3 | S | per share | 2026-10-07 | 43.02 | 0.0% |
| 2026Q2 | E | per share | 2026-07-13 | 1.38 | 0.0% |
| 2026Q2 | R | per share | 2026-07-13 | 1.38 | 0.0% |
| 2026Q2 | S | per share | 2026-07-08 | 42.21 | 0.0% |
| 2026Q1 | E | per share | 2026-04-11 | 1.25 | 0.0% |
| 2026Q1 | R | per share | 2026-04-11 | 1.25 | 0.0% |
| 2026Q1 | S | per share | 2026-04-08 | 39.97 | 0.0% |
| 2025FY | E | per share | 2026-01-12 | 4.97 | 0.0% |
| 2025Q4 | E | per share | 2026-01-12 | 1.24 | 0.0% |
| 2025Q4 | S | per share | 2026-01-11 | 39.69 | 0.0% |
| 2025FY | R | per share | 2026-01-07 | 3.58 | +1.8% |
| 2025Q4 | R | per share | 2026-01-07 | 1.03 | +6.2% |
| 2025FY | S | - | 2026-01-07 | 154.22 | 0.0% |
| 2025Q3 | E | per share | 2025-10-08 | 1.18 | 0.0% |
| 2025Q3 | R | per share | 2025-10-08 | 1.18 | 0.0% |
| 2025Q3 | S | per share | 2025-10-08 | 39.83 | 0.0% |
| 2025Q2 | E | per share | 2025-07-09 | 1.15 | 0.0% |
| 2025Q2 | R | per share | 2025-07-09 | 1.15 | 0.0% |
| 2025Q2 | S | per share | 2025-07-09 | 38.85 | 0.0% |
| 2025Q1 | E | per share | 2025-04-14 | 0.93 | 0.0% |
| 2025Q1 | R | per share | 2025-04-14 | -0.27 | 0.0% |
| 2025Q1 | S | per share | 2025-04-14 | 32.65 | 0.0% |
| 2024FY | E | per share | 2025-01-11 | 3.86 | 0.0% |
| 2024Q4 | E | per share | 2025-01-11 | 0.85 | 0.0% |
| 2024FY | R | per share | 2025-01-11 | 3.81 | 0.0% |
| 2024Q4 | R | per share | 2025-01-11 | 0.85 | 0.0% |
| 2024Q4 | S | per share | 2025-01-11 | 26.40 | 0.0% |
| 2024FY | S | - | 2025-01-11 | 108.2 | 0.0% |
| 2024Q3 | E | per share | 2024-10-12 | 0.95 | 0.0% |
| 2024Q3 | R | per share | 2024-10-12 | 0.95 | 0.0% |
| 2024Q3 | S | per share | 2024-10-12 | 28.00 | 0.0% |
| 2024Q2 | E | per share | 2024-07-15 | 0.84 | 0.0% |
| 2024Q2 | R | per share | 2024-07-15 | 0.84 | 0.0% |
| 2024Q2 | S | per share | 2024-05-01 | 26.88 | -0.2% |
| 2024Q1 | E | per share | 2024-04-16 | 0.80 | 0.0% |
| 2024Q1 | R | per share | 2024-04-16 | 0.80 | 0.0% |
| 2024Q1 | S | per share | 2024-04-16 | 26.14 | 0.0% |
| 2023FY | E | per share | 2024-01-14 | 4.22 | 0.0% |
| 2023FY | R | per share | 2024-01-14 | 4.17 | 0.0% |
| 2023FY | S | - | 2023-10-31 | 112.09 | +0.4% |
Estimate history
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | MRQ |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EPS per share | 1.496 | 3.091 | 3.359 | 2.129 | 3.194 | 4.146 | 3.712 | 3.73 | 3.601 | 5.3987 | - |
| Sales USD millions | 66 | 80 | 88 | 105 | 101 | 109 | 115 | 132 | 192 | 204 | - |
| Shares million shares | 7 | 7 | 7 | 9 | 9 | 9 | 9 | 9 | 10 | - | 10 |
| Metric | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
|---|---|---|---|---|---|---|---|---|---|
| EPS per share | 0.843 | 0.771 | -0.028 | 1.111 | 1.422 | 1.04 | 1.322 | 1.49 | 1.547 |
| Sales USD millions | 34 | 33 | 43 | 50 | 51 | 47 | 51 | 53 | 54 |
| Shares million shares | 9 | 9 | 11 | 10 | 10 | 10 | 10 | 10 | 10 |
Income statement, annual
| Metric | TTM | 2025FY12/31/2025 | 2024FY12/31/2024 | 2023FY12/31/2023 | 2022FY12/31/2022 | 2021FY12/31/2021 | 2020FY12/31/2020 | 2019FY12/31/2019 | 2018FY12/31/2018 |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 173.72 | 163.21+51.9% | 107.47+11.2% | 96.64+11.0% | 87.05+11.4% | 78.16-8.4% | 85.29+22.6% | 69.56+7.9% | 64.49 |
| Total Interest Expense | 39.58 | 40.12+68.2% | 23.85+186.7% | 8.32+129.8% | 3.62-47.7% | 6.92-43.4% | 12.22+20.5% | 10.14+37.0% | 7.40 |
| Net Interest Income | 134.14 | 123.09+47.2% | 83.61-5.3% | 88.32+5.9% | 83.42+17.1% | 71.24-2.5% | 73.07+23.0% | 59.42+4.1% | 57.09 |
| Loan Loss Provision | 1.81 | 4.73 | -2.76-428.6% | 0.84 | 0.00-100.0% | 0.05-99.5% | 9.14+1423.3% | 0.60-63.0% | 1.62 |
| Net Interest Income After Loan Loss Provision | 132.33 | 118.36+37.0% | 86.37-1.3% | 87.48+4.9% | 83.42+17.2% | 71.19+11.4% | 63.93+8.7% | 58.82+6.0% | 55.48 |
| Non-Interest Income | 30.50 | 28.61+15.7% | 24.73+34.0% | 18.45-15.4% | 21.81-4.3% | 22.78+13.4% | 20.09+10.6% | 18.16+14.8% | 15.82 |
| Non-Interest Expense | 92.88 | 89.80+30.8% | 68.64+3.9% | 66.07+9.6% | 60.28+2.3% | 58.95+6.5% | 55.35+18.2% | 46.84+5.1% | 44.57 |
| Operating Income | 69.95 | 57.17+34.6% | 42.46+6.5% | 39.85-11.3% | 44.95+28.4% | 35.02+22.1% | 28.67-4.9% | 30.14+12.8% | 26.72 |
| Unusual Expense | 0.57 | 10.72+425.5% | 2.04 | 0.00 | 0.00 | 0.00-100.0% | 5.96+674.0% | 0.77 | 0.00 |
| Net Income Before Taxes | 69.37 | 46.45+14.9% | 40.42+1.4% | 39.85-11.3% | 44.95+28.4% | 35.02+54.3% | 22.70-22.7% | 29.37+9.9% | 26.72 |
| Income Taxes | 13.92 | 9.40+9.7% | 8.57+5.0% | 8.16-11.3% | 9.20+28.1% | 7.18+66.6% | 4.31-23.6% | 5.64+13.5% | 4.97 |
| Consolidated Net Income | 55.45 | 37.05+16.3% | 31.85+0.5% | 31.69-11.4% | 35.75+28.5% | 27.83+51.3% | 18.39-22.5% | 23.72+9.1% | 21.75 |
| Net Income From Continuing Operations | 55.45 | 37.05+16.3% | 31.85+0.5% | 31.69-11.4% | 35.75+28.5% | 27.83+51.3% | 18.39-22.5% | 23.72+9.1% | 21.75 |
| Net Income | 55.45 | 37.05+16.3% | 31.85+0.5% | 31.69-11.4% | 35.75+28.5% | 27.83+51.3% | 18.39-22.5% | 23.72+9.1% | 21.75 |
| EPS (Recurring) per share | 5.49 | 4.33+11.0% | 3.90+5.1% | 3.71-10.6% | 4.15+30.1% | 3.19+22.2% | 2.61-24.1% | 3.44+11.3% | 3.09 |
| EPS (Basic, Before Extraordinaries) per share | 5.42 | 3.61-3.7% | 3.75+0.8% | 3.72-10.4% | 4.15+30.1% | 3.19+49.8% | 2.13-36.6% | 3.36+8.7% | 3.09 |
| EPS (Diluted) per share | 5.40 | 3.60-3.5% | 3.73+0.5% | 3.71-10.6% | 4.15+30.1% | 3.19+49.8% | 2.13-36.6% | 3.36+8.7% | 3.09 |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 1.44 | 1.11+11.0% | 1.00+26.6% | 0.79+36.2% | 0.58+123.1% | 0.26-16.1% | 0.31+29.2% | 0.24+60.0% | 0.15 |
| Price To Earnings Ratio ratio statement ratio, not the snapshot | 12.40 | 12.40 | 14.64 | - | - | - | - | - | - |
| Price To Sales Ratio ratio | 3.10 | 2.59 | 2.57 | 3.32 | 3.15 | 2.70 | 2.05 | 3.04 | 3.44 |
| Operating Margin % | 34.25 | 29.80 | 32.12 | 34.63 | 41.29 | 34.69 | 27.20 | 34.36 | 33.27 |
| Net Margin % | 27.15 | 19.32 | 24.09 | 27.53 | 32.84 | 27.58 | 17.45 | 27.04 | 27.08 |
| Shares Outstanding million shares | 10.16 | 10.37+21.3% | 8.55+0.5% | 8.51-0.1% | 8.52-1.8% | 8.68-0.3% | 8.71+23.0% | 7.08+0.4% | 7.05 |
| Market Capitalization | 680.20 | 680.20+36.6% | 498.00 | - | - | - | - | - | - |
Income statement, quarterly
| Metric | 2026Q39/30/2026 | 2026Q26/30/2026 | 2026Q13/31/2026 | 2025Q412/31/2025 | 2025Q39/30/2025 | 2025Q26/30/2025 | 2025Q13/31/2025 | 2024Q412/31/2024 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 44.95+5.8% | 43.69+5.1% | 42.23+16.4% | 42.86+56.5% | 42.49+56.0% | 41.58+54.7% | 36.29+39.7% | 27.38+8.3% |
| Total Interest Expense | 10.18-1.6% | 9.68-8.3% | 9.72+5.7% | 10.01+59.6% | 10.35+64.3% | 10.56+78.7% | 9.20+71.0% | 6.27+65.4% |
| Net Interest Income | 34.77+8.2% | 34.00+9.6% | 32.52+20.0% | 32.85+55.6% | 32.14+53.5% | 31.01+47.9% | 27.09+31.6% | 21.11-1.8% |
| Loan Loss Provision | 0.90 | 0.45 | -0.09-101.6% | 0.55+89.7% | -0.73-708.3% | -0.58 | 5.49+7742.9% | 0.29-46.3% |
| Net Interest Income After Loan Loss Provision | 33.87+3.0% | 33.55+6.2% | 32.60+50.9% | 32.30+55.1% | 32.87+57.9% | 31.59+30.5% | 21.60+5.3% | 20.82-0.6% |
| Non-Interest Income | 9.07+8.0% | 8.82+1.6% | 8.28+15.5% | 4.33-25.3% | 8.40+23.5% | 8.68+35.0% | 7.17+26.2% | 5.80+497.9% |
| Non-Interest Expense | 23.25+4.8% | 23.13-1.2% | 23.62+10.9% | 22.88+30.7% | 22.18+29.9% | 23.42+42.9% | 21.29+20.5% | 17.50+1.9% |
| Operating Income | 19.68+3.1% | 19.25+14.2% | 17.26+130.7% | 13.75+50.8% | 19.09+80.9% | 16.85+18.2% | 7.48-12.3% | 9.12+92.0% |
| Unusual Expense | 0.00-100.0% | 0.00-100.0% | 0.00-100.0% | 0.57-36.0% | 0.17-85.1% | 1.94 | 8.03 | 0.89 |
| Net Income Before Taxes | 19.68+4.0% | 19.25+29.1% | 17.26 | 13.18+60.1% | 18.92+101.1% | 14.91+4.6% | -0.55-106.4% | 8.23+73.3% |
| Income Taxes | 3.96-2.2% | 4.03+23.6% | 3.56 | 2.37+44.5% | 4.05+83.3% | 3.26+9.8% | -0.28-115.9% | 1.64+152.3% |
| Consolidated Net Income | 15.73+5.8% | 15.21+30.6% | 13.70 | 10.80+63.9% | 14.87+106.5% | 11.65+3.3% | -0.27-104.0% | 6.59+60.7% |
| Net Income From Continuing Operations | 15.73+5.8% | 15.21+30.6% | 13.70 | 10.80+63.9% | 14.87+106.5% | 11.65+3.3% | -0.27-104.0% | 6.59+60.7% |
| Net Income | 15.73+5.8% | 15.21+30.6% | 13.70 | 10.80+63.9% | 14.87+106.5% | 11.65+3.3% | -0.27-104.0% | 6.59+60.7% |
| EPS (Recurring) per share | 1.55+8.4% | 1.49+20.2% | 1.32+140.0% | 1.08+28.6% | 1.43+52.1% | 1.24-6.1% | 0.55-31.3% | 0.84+75.0% |
| EPS (Basic, Before Extraordinaries) per share | 1.55+8.4% | 1.50+35.1% | 1.32 | 1.04+35.1% | 1.43+68.2% | 1.11-16.5% | -0.03-103.8% | 0.77+60.4% |
| EPS (Diluted) per share | 1.55+9.2% | 1.49+34.2% | 1.32 | 1.04+35.1% | 1.42+69.0% | 1.11-15.9% | -0.03-103.8% | 0.77+60.4% |
| Non-Operating Income (Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 0.32+33.3% | 0.29+31.8% | 0.65+35.4% | 0.18-5.3% | 0.24+26.3% | 0.22+15.8% | 0.48+14.3% | 0.19-64.8% |
| Price To Earnings Ratio ratio statement ratio, not the snapshot | 12.40 | 12.13 | 13.38 | 14.62 | 13.32 | 16.04 | - | - |
| Price To Sales Ratio ratio | 3.10 | 3.02 | 2.50 | 2.62 | 2.59 | 2.79 | 2.80 | 2.58 |
| Operating Margin % | 36.44 | 36.66 | 34.18 | 29.14 | 37.50 | 33.53 | 17.22 | 27.48 |
| Net Margin % | 29.11 | 28.98 | 27.13 | 22.90 | 29.22 | 23.18 | -0.63 | 19.87 |
| Shares Outstanding million shares | 10.16-2.5% | 10.17-3.0% | 10.34-1.9% | 10.37+21.3% | 10.42+21.9% | 10.48+22.6% | 10.54+23.4% | 8.55+0.5% |
| Market Capitalization | 680.20+49.0% | 606.39+33.9% | 491.06 | 497.48 | 456.43 | 452.90 | - | - |
Balance sheet, annual
| Metric | 2025FY12/31/2025 | 2024FY12/31/2024 | 2023FY12/31/2023 | 2022FY12/31/2022 | 2021FY12/31/2021 | 2020FY12/31/2020 | 2019FY12/31/2019 | 2018FY12/31/2018 | 2017FY12/31/2017 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 20.61+26.1% | 16.35-23.7% | 21.44-46.5% | 40.07+168.7% | 14.91-37.2% | 23.74+40.6% | 16.88-16.1% | 20.11+4.2% | 19.30 |
| Investments | 623.73+24.3% | 501.66-12.2% | 571.69-23.8% | 750.10-34.5% | 1,145.88+54.9% | 739.77+134.3% | 315.70+45.9% | 216.38-4.1% | 225.53 |
| Net Loans | 2,306.84+38.5% | 1,665.63+3.6% | 1,608.02+5.7% | 1,520.75+4.9% | 1,449.39-10.4% | 1,617.56+28.5% | 1,258.77-2.3% | 1,288.50+4.7% | 1,230.19 |
| Investment in Unconsolidated Affiliates | 0.75-14.8% | 0.88-12.0% | 1.00-11.5% | 1.13-9.6% | 1.25-9.4% | 1.38-8.6% | 1.51-19.3% | 1.87-23.7% | 2.45 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Real Estate Assets | 0.02-95.5% | 0.44-6.4% | 0.470.0% | 0.47 | - | 0.00-100.0% | 0.36+140.0% | 0.15-65.9% | 0.44 |
| Net Property, Plant & Equipment | 34.80+23.8% | 28.12-2.7% | 28.90-4.3% | 30.21-11.8% | 34.25-5.3% | 36.16+23.7% | 29.23+10.7% | 26.41-1.3% | 26.77 |
| Interest Receivables | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Assets | 21.21+2.2% | 20.76-8.4% | 22.67-10.7% | 25.38+142.2% | 10.48-8.2% | 11.41+45.4% | 7.85-10.5% | 8.77+2.1% | 8.59 |
| Other Intangible Assets | 232.18+38.4% | 167.80-2.2% | 171.54+4.2% | 164.62+20.3% | 136.79+3.0% | 132.83+38.2% | 96.13+5.1% | 91.46+3.9% | 88.01 |
| Total Assets | 3,240.16+34.9% | 2,401.63-1.0% | 2,425.73-4.2% | 2,532.72-9.3% | 2,792.95+9.0% | 2,562.84+48.4% | 1,726.42+4.4% | 1,653.65+3.3% | 1,601.28 |
| Total Deposits | 2,450.18+36.7% | 1,792.50-3.7% | 1,861.81-15.3% | 2,198.97-9.4% | 2,426.39+11.0% | 2,185.53+54.8% | 1,412.26+4.8% | 1,348.09+3.8% | 1,298.49 |
| Total Debt | 324.57+18.5% | 273.92+7.5% | 254.79+285.3% | 66.12-9.6% | 73.17-23.3% | 95.35-7.6% | 103.23-12.6% | 118.16-10.2% | 131.51 |
| Long Term Debt | 178.78-30.5% | 257.38+119.8% | 117.08+404.4% | 23.21-37.6% | 37.20+11.5% | 33.36-32.0% | 49.04-18.3% | 60.02-12.6% | 68.69 |
| Provision for Risks Charges | 8.33+28.4% | 6.49+4.3% | 6.22+50.2% | 4.14+9.8% | 3.77+8.0% | 3.49+9.1% | 3.20+9.2% | 2.93+4.6% | 2.80 |
| Deferred Tax Liabilities | 12.03+76.9% | 6.80-1.2% | 6.88-4.7% | 7.22+20.9% | 5.97-20.2% | 7.48+21.2% | 6.17+4.2% | 5.92+1.2% | 5.85 |
| Other Liabilities | 25.07+34.5% | 18.64+0.4% | 18.57+65.4% | 11.23-2.7% | 11.54-11.4% | 13.03+8.1% | 12.05+15.9% | 10.40+20.1% | 8.66 |
| Total Liabilities | 2,820.18+34.4% | 2,098.36-2.3% | 2,148.27-6.1% | 2,287.68-9.2% | 2,520.84+9.4% | 2,304.87+50.0% | 1,536.91+3.5% | 1,485.51+2.6% | 1,447.31 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 419.97+38.5% | 303.27+9.3% | 277.46+13.2% | 245.04-9.9% | 272.11+5.5% | 257.97+36.1% | 189.52+12.7% | 168.14+9.2% | 153.97 |
| Total Shareholders Equity | 419.97+38.5% | 303.27+9.3% | 277.46+13.2% | 245.04-9.9% | 272.11+5.5% | 257.97+36.1% | 189.52+12.7% | 168.14+9.2% | 153.97 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 419.97+38.5% | 303.27+9.3% | 277.46+13.2% | 245.04-9.9% | 272.11+5.5% | 257.97+36.1% | 189.52+12.7% | 168.14+9.2% | 153.97 |
| Total Liabilities & Stockholders Equity | 3,240.16+34.9% | 2,401.63-1.0% | 2,425.73-4.2% | 2,532.72-9.3% | 2,792.95+9.0% | 2,562.84+48.4% | 1,726.42+4.4% | 1,653.65+3.3% | 1,601.28 |
| Book Value Per Share per share | 40.49+14.2% | 35.45+8.7% | 32.60+13.3% | 28.78-8.2% | 31.35+5.8% | 29.62+10.6% | 26.77+12.2% | 23.86+8.9% | 21.92 |
| Tangible Book Value Per Share per share | 32.11+9.3% | 29.37+11.5% | 26.34+17.7% | 22.37-13.3% | 25.80+7.7% | 23.95+2.4% | 23.38+14.3% | 20.46+9.0% | 18.77 |
| Tier 1 Capital | 368.07+21.4% | 303.11+8.2% | 280.13+8.4% | 258.47+3.6% | 249.57+11.1% | 224.60+27.3% | 176.40+11.4% | 158.40+9.7% | 144.38 |
| Tier 2 Capital | 38.92+18.5% | 32.84-7.3% | 35.43+7.5% | 32.95-2.9% | 33.94+67.8% | 20.23+45.3% | 13.92-0.9% | 14.04-0.4% | 14.10 |
| Full-Time Employees people | 537+29.1% | 416+0.7% | 413+4.0% | 3970.0% | 397+0.3% | 396+5.9% | 374+3.6% | 361+0.8% | 358 |
| Price to Book Ratio ratio | 1.62 | 1.22 | - | - | - | - | - | - | - |
| Return on Assets % | 1.31 | 1.32 | 1.28 | 1.34 | 1.04 | 0.86 | 1.40 | 1.34 | 0.70 |
| Return on Equity % | 10.25 | 10.97 | 12.13 | 13.83 | 10.50 | 8.22 | 13.26 | 13.50 | 7.14 |
| Return on Invested Capital % | 6.19 | 5.68 | 8.03 | 13.33 | 9.00 | 6.31 | 9.94 | 9.53 | 4.40 |
| Current Ratio ratio | 0.03 | 0.03 | 0.04 | 0.17 | 0.73 | 0.44 | 0.22 | 0.08 | 0.07 |
Cash flow, annual
| Metric | TTM | 2025FY12/31/2025 | 2024FY12/31/2024 | 2023FY12/31/2023 | 2022FY12/31/2022 | 2021FY12/31/2021 | 2020FY12/31/2020 | 2019FY12/31/2019 | 2018FY12/31/2018 |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | 83.28 | 44.52+36.0% | 32.74-19.2% | 40.54-0.1% | 40.57+45.4% | 27.91-3.5% | 28.91+13.5% | 25.470.0% | 25.47 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | -2.60 | 9.12+32.4% | 6.89+4206.3% | 0.16 | -3.92-298.0% | 1.98 | -1.19-176.3% | 1.56-29.1% | 2.20 |
| Cash from Operating Activities | 80.68 | 53.64+35.4% | 39.63-2.6% | 40.70+11.1% | 36.64+22.6% | 29.89+7.8% | 27.72+2.6% | 27.02-2.3% | 27.67 |
| Capital Expenditures | -11.01 | -9.71 | -0.96 | -1.17 | -14.01 | -1.58 | -1.45 | -2.92 | -3.74 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | -0.17 | -7.80 | 0.00 | -0.54 | -0.64 | -2.58 |
| Sale of Fixed Assets and Businesses | 0.00 | 36.21 | 0.00 | 0.00-100.0% | 1.09+419.0% | 0.21-99.4% | 35.65+118733.3% | 0.03 | 0.00 |
| Purchase or Sale of Investments | -7.39 | 45.51-23.9% | 59.77-47.8% | 114.42 | -240.27 | -107.42 | -111.60 | -17.86-242.5% | 12.53 |
| Purchase of Investments | -151.28 | -182.98 | 0.00 | -48.84 | -306.75 | -216.79 | -218.03 | -45.34 | -39.13 |
| Sale Or Maturity of Investments | 143.89 | 228.49+282.3% | 59.77-63.4% | 163.25+145.6% | 66.47-39.2% | 109.37+2.8% | 106.43+287.4% | 27.47-46.8% | 51.66 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00-100.0% | 0.42-35.4% | 0.65 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -96.79 | 64.65+2405.8% | 2.58-83.2% | 15.34 | -329.17-552.5% | 72.75 | -117.09-1842.4% | 6.72 | -51.75 |
| Cash Dividends Paid | -21.42 | -14.38 | -10.71 | -9.70 | -9.12 | -8.97 | -8.69 | -6.92 | -6.26 |
| Change in Capital Stock | -14.92 | -10.52-6288.2% | 0.17 | -1.31 | -5.97 | -1.46-278.0% | 0.82-7.9% | 0.89+64.8% | 0.54 |
| Repurchase of Common Pref Stock | -15.56 | -11.16 | -0.25 | -2.03 | -6.68 | -1.52 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | 0.64 | 0.64+52.4% | 0.42-41.7% | 0.72+1.4% | 0.71+1083.3% | 0.06-92.7% | 0.82-7.9% | 0.89+64.8% | 0.54 |
| Proceedsfrom Stock Options | 0.64 | 0.64+52.4% | 0.42-41.7% | 0.72+1.4% | 0.71+1083.3% | 0.06-92.7% | 0.82-7.9% | 0.89+64.8% | 0.54 |
| Issuance or Reduction of Debt, Net | -4.50 | 8.73-53.9% | 18.94-90.0% | 189.93 | -6.95 | -22.31 | -16.97 | -18.43 | -13.34 |
| Change in Long Term Debt | -40.54 | -40.19-167.0% | 60.00-65.7% | 175.00 | -13.70 | -19.05 | -22.00 | -17.22 | -11.08 |
| Issuance of Long Term Debt | 14.46 | 0.00-100.0% | 60.00-65.7% | 175.00+11566.7% | 1.50-90.0% | 15.00 | 0.00-100.0% | 7.00-60.5% | 17.72 |
| Reduction of Long Term Debt | -55.00 | -40.19 | 0.00 | 0.00 | -15.20 | -34.05 | -22.00 | -24.22 | -28.80 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | - | 0.00 | - | - | - | - | 0.00 | - | - |
| Cash from Financing Activities | 2.33 | -99.90 | -60.91 | -158.24 | -249.45-219.9% | 208.13-44.4% | 374.37+842.8% | 39.71+30.0% | 30.54 |
| Net Change in Cash | -13.78 | 18.39 | -18.70 | -102.20 | -541.97-274.4% | 310.78+9.0% | 285.00+288.0% | 73.45+1037.0% | 6.46 |
| Free Cash Flow | 79.17 | 52.57+35.9% | 38.67-2.2% | 39.53+13.5% | 34.83+23.0% | 28.32+6.2% | 26.67+4.2% | 25.60-1.3% | 25.93 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Free Cash Flow ratio | 10.97 | 13.03 | 12.16 | 12.81 | 13.35 | 14.09 | 12.01 | 14.30 | 14.04 |
| Federal Home Loan Advances Increase (Decrease) | - | -0.06 | -1.18 | -8.05-1301.5% | 0.67+4.7% | 0.64-65.2% | 1.84+166.7% | 0.69+56.8% | 0.44 |
Balance sheet, quarterly
| Metric | 2026Q39/30/2026 | 2026Q26/30/2026 | 2026Q13/31/2026 | 2025Q412/31/2025 | 2025Q39/30/2025 | 2025Q26/30/2025 | 2025Q13/31/2025 | 2024Q412/31/2024 |
|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 27.24-10.7% | 28.00-14.7% | 25.65+9.5% | 20.61+26.1% | 30.50+23.8% | 32.83+23.1% | 23.42+34.7% | 16.35-23.7% |
| Investments | 606.32-4.5% | 637.41+1.7% | 637.06-2.9% | 623.73+24.3% | 634.73+20.0% | 626.97+12.5% | 656.42+22.2% | 501.66-12.2% |
| Net Loans | 2,381.53+3.0% | 2,374.10+2.4% | 2,325.63+1.2% | 2,306.84+38.5% | 2,312.95+39.3% | 2,317.46+39.4% | 2,297.56+39.7% | 1,665.63+3.6% |
| Investment in Unconsolidated Affiliates | 0.66-15.4% | 0.69-14.8% | 0.72-15.3% | 0.75-14.8% | 0.78-14.3% | 0.81-13.8% | 0.85-12.4% | 0.88-12.0% |
| Net Property, Plant & Equipment | 31.58-11.1% | 31.90-12.0% | 34.43-9.0% | 34.80+23.8% | 35.51+28.4% | 36.24+29.2% | 37.84+33.4% | 28.12-2.7% |
| Interest Receivables | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Assets | - | - | - | 21.21+2.2% | - | - | - | 20.76-8.4% |
| Other Intangible Assets | 253.64+7.3% | 246.77+0.6% | 246.38-2.8% | 232.18+38.4% | 236.34+32.5% | 245.18+34.6% | 253.51+37.1% | 167.80-2.2% |
| Total Assets | 3,300.98+1.5% | 3,318.86+1.8% | 3,269.860.0% | 3,240.16+34.9% | 3,250.84+34.3% | 3,259.53+32.6% | 3,270.04+35.4% | 2,401.63-1.0% |
| Total Deposits | 2,508.96+1.7% | 2,535.68+0.4% | 2,525.77-0.6% | 2,450.18+36.7% | 2,465.90+37.7% | 2,524.54+37.3% | 2,540.01+38.4% | 1,792.50-3.7% |
| Total Debt | 335.38-1.5% | 327.36+7.9% | 283.57-7.1% | 324.57+18.5% | 340.53+15.4% | 303.34-1.1% | 305.32+11.0% | 273.92+7.5% |
| Long Term Debt | 178.87-0.7% | 129.10-28.4% | 179.74-31.2% | 178.78-30.5% | 180.06-30.1% | 180.30-30.0% | 261.13+46.9% | 257.38+119.8% |
| Provision for Risks Charges | 1.54+11.6% | 1.71+11.8% | 1.82-3.2% | 8.33+28.4% | 1.38+2.2% | 1.53+16.8% | 1.88+19.7% | 6.49+4.3% |
| Deferred Tax Liabilities | - | - | - | 12.03+76.9% | - | - | - | 6.80-1.2% |
| Other Liabilities | 34.62+0.7% | 30.84-11.8% | 33.23-7.6% | 25.07+34.5% | 34.39+30.8% | 34.97+59.2% | 35.95+59.6% | 18.64+0.4% |
| Total Liabilities | 2,880.50+1.3% | 2,895.58+1.1% | 2,844.39-1.3% | 2,820.18+34.4% | 2,842.20+34.4% | 2,864.38+32.1% | 2,883.16+35.1% | 2,098.36-2.3% |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 420.48+2.9% | 423.28+7.1% | 425.48+10.0% | 419.97+38.5% | 408.64+33.2% | 395.15+36.6% | 386.88+38.2% | 303.27+9.3% |
| Total Shareholders Equity | 420.48+2.9% | 423.28+7.1% | 425.48+10.0% | 419.97+38.5% | 408.64+33.2% | 395.15+36.6% | 386.88+38.2% | 303.27+9.3% |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 420.48+2.9% | 423.28+7.1% | 425.48+10.0% | 419.97+38.5% | 408.64+33.2% | 395.15+36.6% | 386.88+38.2% | 303.27+9.3% |
| Total Liabilities & Stockholders Equity | 3,300.98+1.5% | 3,318.86+1.8% | 3,269.860.0% | 3,240.16+34.9% | 3,250.84+34.3% | 3,259.53+32.6% | 3,270.04+35.4% | 2,401.63-1.0% |
| Book Value Per Share per share | 41.37+5.5% | 41.62+10.4% | 41.16+12.2% | 40.49+14.2% | 39.21+9.3% | 37.71+11.4% | 36.69+11.9% | 35.45+8.7% |
| Tangible Book Value Per Share per share | 33.12+7.7% | 33.28+14.0% | 32.85+16.8% | 32.11+9.3% | 30.76+3.4% | 29.20+5.4% | 28.13+5.8% | 29.37+11.5% |
| Full-Time Employees people | - | - | - | 537+29.1% | - | - | - | 416+0.7% |
| Price to Book Ratio ratio | 1.62 | 1.44 | 1.17 | 1.22 | 1.12 | 1.15 | - | - |
| Return on Assets % | 1.69 | 1.66 | 1.56 | 1.31 | 1.16 | 0.88 | 0.87 | 1.32 |
| Return on Equity % | 13.38 | 13.34 | 12.56 | 10.25 | 9.18 | 7.36 | 7.44 | 10.97 |
| Return on Invested Capital % | 2.62 | 2.75 | 2.26 | 1.80 | 2.53 | 2.02 | -0.04 | 1.18 |
| Current Ratio ratio | 0.05 | 0.04 | 0.06 | 0.03 | 0.05 | 0.05 | 0.06 | 0.04 |
Cash flow, quarterly
| Metric | 2026Q39/30/2026 | 2026Q26/30/2026 | 2026Q13/31/2026 | 2025Q412/31/2025 | 2025Q39/30/2025 | 2025Q26/30/2025 | 2025Q13/31/2025 | 2024Q412/31/2024 |
|---|---|---|---|---|---|---|---|---|
| Funds from Operations | 46.97+227.8% | -3.14-128.1% | 26.39+342.8% | 13.05+69.3% | 14.33+76.9% | 11.18+24.8% | 5.96-25.2% | 7.71-25.0% |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 0.10-98.7% | -0.31-720.0% | -2.07-230.2% | -0.32 | 7.80+68.8% | 0.05-97.9% | 1.59-39.1% | -2.77 |
| Cash from Operating Activities | 47.07+112.7% | -3.45-130.7% | 24.32+222.1% | 12.74+157.4% | 22.13+74.0% | 11.23-1.3% | 7.55-28.6% | 4.95-44.2% |
| Capital Expenditures | -1.18 | -0.52-388.9% | -0.51 | -8.81 | -0.43 | 0.18 | -0.66 | -0.37 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00-100.0% | 0.00 | 0.00 | 0.00 | 36.21 | 0.00 |
| Purchase or Sale of Investments | -4.18 | 5.79+45.5% | -7.59-117.4% | -1.40-110.7% | -0.74-104.6% | 3.98-41.7% | 43.67+83.9% | 13.10+212.6% |
| Purchase of Investments | -13.61 | -7.71 | -40.60 | -89.35 | -16.70 | -15.88 | -61.05 | 0.00 |
| Sale Or Maturity of Investments | 9.43-40.9% | 13.50-32.0% | 33.02-68.5% | 87.94+571.3% | 15.96-0.8% | 19.86+190.8% | 104.72+340.9% | 13.10-75.3% |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -17.50-530.0% | -44.26 | -23.25-128.6% | -11.79-257.8% | 4.07-79.8% | -8.95 | 81.31 | 7.47 |
| Cash Dividends Paid | -4.25 | -9.31 | -3.93 | -3.92 | -3.54 | -3.55 | -3.37 | -2.72 |
| Preferred Dividends (Cash Flow) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | -0.37 | -8.56 | -3.81 | -2.18-1047.8% | -2.42-1828.6% | -2.57-1452.6% | -3.35 | 0.23 |
| Repurchase of Common Pref Stock | -0.37 | -8.56 | -3.81 | -2.82 | -2.42-1828.6% | -2.57-1452.6% | -3.35 | -0.19 |
| Sale of Common Pref Stock | 0.00 | 0.00 | 0.00 | 0.64+52.4% | 0.00 | 0.00 | 0.00 | 0.42+133.3% |
| Proceedsfrom Stock Options | 0.00 | 0.00 | 0.00 | 0.64+52.4% | 0.00 | 0.00 | 0.00 | 0.42+133.3% |
| Issuance or Reduction of Debt, Net | 8.25-78.0% | 43.89 | -40.91 | -15.73 | 37.43 | -1.15-103.6% | -11.83-157.9% | -21.94-122.2% |
| Change in Long Term Debt | 0.00 | -0.54 | -40.00 | 0.00 | 0.00 | 0.00 | -40.19-167.0% | 0.00-100.0% |
| Issuance of Long Term Debt | 0.00 | -0.54 | 15.00 | 0.00 | 0.00 | 0.00 | 0.00-100.0% | 0.00-100.0% |
| Reduction of Long Term Debt | 0.00 | 0.00 | -55.00 | 0.00 | 0.00 | 0.00 | -40.19 | 0.00 |
| Net Financing Active Other Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | - | - | - | 0.00 | 0.00 | 0.00 | 0.00 | - |
| Cash from Financing Activities | -23.05 | 35.91 | 26.91 | -37.44 | -27.17 | -22.74-170.0% | -12.55 | -23.25-462.7% |
| Net Change in Cash | 6.52 | -11.80 | 27.99-63.3% | -36.49 | -0.97 | -20.45-161.7% | 76.30 | -10.83-664.1% |
| Free Cash Flow | 46.58+114.7% | -3.96-134.7% | 23.99+248.2% | 12.56+174.8% | 21.70+73.6% | 11.41+2.8% | 6.89-34.4% | 4.57-41.9% |
| Price to Free Cash Flow ratio | 10.97 | 18.06 | 9.07 | 13.15 | 14.67 | 19.53 | 17.16 | 12.18 |
Revenue breakdown
USD millions, so a column adds up to the income statement. Share is of the latest year in that split. The change is versus the older year shown, not TTM.
| Name | 2024 | 2025 | vs 2024 | 2025 share |
|---|---|---|---|---|
| United States | 132.20 | 191.82 | +45.1% | 100.0% |
| Total | 132.20 | 191.82 | +45.1% | 100.0% |
| Name | 2024 | 2025 | vs 2024 | 2025 share |
|---|---|---|---|---|
| Total State Commercial Banks revenue | 132.20 | 191.82 | +45.1% | 100.0% |
| Total | 132.20 | 191.82 | +45.1% | 100.0% |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 5.81% | 0.6M | 9.8M | 64.93K |
| 2026-10-15 | 5.84% | 0.6M | 9.8M | 69.50K |
| 2026-09-30 | 5.73% | 0.6M | 9.8M | 71.51K |
| 2026-09-15 | 4.42% | 0.4M | 9.8M | 76.61K |
| 2026-08-31 | 4.20% | 0.4M | 9.8M | 73.66K |
| 2026-08-14 | 3.44% | 0.3M | 9.8M | 67.55K |
| 2026-07-31 | 3.06% | 0.3M | 9.8M | 66.71K |
| 2026-07-15 | 2.71% | 0.3M | 9.8M | 68.12K |
| 2026-06-30 | 2.40% | 0.2M | 9.8M | 67.99K |
| 2026-06-15 | 1.52% | 0.1M | 9.8M | 62.84K |
| 2026-05-29 | 1.33% | 0.1M | 9.8M | 61.52K |
| 2026-05-15 | 1.31% | 0.1M | 9.8M | 59.28K |
| 2026-04-30 | 1.34% | 0.1M | 9.8M | 58.28K |
| 2026-04-15 | 1.38% | 0.1M | 10.0M | 47.77K |
| 2026-03-31 | 1.33% | 0.1M | 10.0M | 42.12K |
| 2026-03-13 | 1.26% | 0.1M | 10.0M | 33.85K |
| 2026-02-27 | 1.17% | 0.1M | 10.0M | 30.56K |
| 2026-02-13 | 1.29% | 0.1M | 10.0M | 28.62K |
| 2026-01-30 | 1.15% | 0.1M | 10.0M | 25.72K |
| 2026-01-15 | 1.21% | 0.1M | 10.0M | 23.95K |
Option chain
expiry 2026-11-20| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| call | 35.00 | 29.80 | 34.00 | 0.00 | 4.154 | 0.00 | 0.00 | 0.979 | -0.072 | 0.005 |
| call | 40.00 | 24.50 | 28.90 | 0.00 | 3.412 | 0.00 | 0.00 | 0.974 | -0.070 | 0.006 |
| call | 45.00 | 19.70 | 24.00 | 0.00 | 2.862 | 0.00 | 0.00 | 0.968 | -0.067 | 0.007 |
| call | 50.00 | 14.50 | 18.70 | 0.00 | 2.175 | 0.00 | 0.00 | 0.797 | -0.598 | 0.028 |
| call | 55.00 | 9.50 | 13.80 | 0.00 | 1.714 | 0.00 | 0.00 | 0.754 | -0.542 | 0.031 |
| call | 60.00 | 4.50 | 8.90 | 0.00 | 1.255 | 0.00 | 0.00 | 0.693 | -0.469 | 0.034 |
| call | 65.00 | 0.85 | 4.90 | 2.10 | 1.003 | 17.00 | 0.00 | 0.597 | -0.322 | 0.038 |
| call | 70.00 | 0.00 | 4.90 | 0.30 | 1.583 | 17.00 | 0.00 | 0.454 | -0.350 | 0.039 |
| call | 75.00 | 0.00 | 5.00 | 0.05 | 0.413 | 5.00 | 0.00 | 0.032 | -0.019 | 0.007 |
| call | 80.00 | 0.00 | 4.90 | 0.00 | 0.599 | 0.00 | 0.00 | 0.023 | -0.021 | 0.005 |
| call | 85.00 | 0.00 | 4.90 | 0.00 | 0.765 | 0.00 | 0.00 | 0.019 | -0.022 | 0.005 |
| call | 90.00 | 0.00 | 4.90 | 0.00 | 0.916 | 0.00 | 0.00 | 0.016 | -0.023 | 0.004 |
| call | 95.00 | 0.00 | 4.90 | 0.00 | 1.055 | 0.00 | 0.00 | 0.014 | -0.024 | 0.004 |
| put | 35.00 | 0.00 | 4.90 | 0.00 | 2.370 | 0.00 | 0.00 | -0.021 | -0.074 | 0.005 |
| put | 40.00 | 0.00 | 4.90 | 0.00 | 1.935 | 0.00 | 0.00 | -0.025 | -0.071 | 0.006 |
| put | 45.00 | 0.00 | 0.20 | 0.00 | 1.453 | 0.00 | 0.00 | -0.031 | -0.060 | 0.007 |
| put | 50.00 | 0.00 | 4.90 | 0.00 | 3.402 | 0.00 | 0.00 | -0.202 | -0.598 | 0.028 |
| put | 55.00 | 0.00 | 4.90 | 0.00 | 2.757 | 0.00 | 0.00 | -0.246 | -0.542 | 0.031 |
| put | 60.00 | 0.00 | 4.90 | 0.10 | 2.138 | 4.00 | 0.00 | -0.306 | -0.468 | 0.034 |
| put | 65.00 | 0.00 | 4.90 | 0.70 | 1.512 | 2.00 | 0.00 | -0.402 | -0.321 | 0.038 |
| put | 70.00 | 1.80 | 5.50 | 0.00 | 0.944 | 0.00 | 0.00 | -0.545 | -0.348 | 0.039 |
| put | 75.00 | 6.10 | 10.50 | 0.00 | 1.347 | 0.00 | 0.00 | -0.967 | -0.016 | 0.007 |
| put | 80.00 | 12.00 | 15.50 | 0.00 | 1.676 | 0.00 | 0.00 | -0.976 | -0.018 | 0.005 |
| put | 85.00 | 16.30 | 20.50 | 0.00 | 1.962 | 0.00 | 0.00 | -0.980 | -0.019 | 0.005 |
| put | 90.00 | 21.50 | 25.30 | 0.00 | 2.146 | 0.00 | 0.00 | -0.983 | -0.019 | 0.004 |
| put | 95.00 | 26.50 | 30.00 | 0.00 | 2.262 | 0.00 | 0.00 | -0.985 | -0.020 | 0.004 |
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-05 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-09-30 | SEC |
| 2026-10-28 | 8-K | Current report | 2026-10-27 | SEC |
| 2026-10-22 | 8-K | Current report | 2026-10-22 | SEC |
| 2026-09-25 | 8-K | Current report | 2026-09-25 | SEC |
| 2026-09-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-08-07 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-08-07 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-07 | SEC |
| 2026-08-06 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-06-30 | SEC |
| 2026-07-23 | 8-K | Current report | 2026-07-23 | SEC |
| 2026-06-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-15 | SEC |
| 2026-06-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-15 | SEC |
| 2026-06-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-15 | SEC |
| 2026-06-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-15 | SEC |
| 2026-06-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-15 | SEC |
| 2026-06-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-15 | SEC |
| 2026-06-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-15 | SEC |
| 2026-06-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-15 | SEC |
| 2026-06-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-15 | SEC |
| 2026-06-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-15 | SEC |
| 2026-06-17 | 4 | Statement of changes in beneficial ownership of securities | 2026-06-15 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 250 | 1 | 0 | 0 |
| 2026-08 | 0 | 0 | 96.53K | 1 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 250 | 1 | 0 | 0 |
| 2026-02 | 0 | 0 | 38.48K | 1 |
| 2026-01 | 0 | 0 | 72.10K | 1 |
| 2025-12 | 250 | 1 | 399.96K | 2 |
| 2025-11 | 15.84K | 1 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| BlackRock, Inc. | 6.90% |
| VANGUARD CAPITAL MANAGEMENT LLC | 4.26% |
| DIMENSIONAL FUND ADVISORS LP | 3.59% |
| Private Capital Management, LLC | 3.54% |
| AMERICAN CENTURY COMPANIES INC | 3.26% |
| STATE STREET CORP | 3.03% |
| GEODE CAPITAL MANAGEMENT, LLC | 2.61% |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | 1.58% |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | 1.04% |
| TWO SIGMA INVESTMENTS, LP | 0.97% |
Funds
| Fund | % owned |
|---|---|
| Strategic Advisers Fidelity Short Duration Fund | 149.66% |
| Permanent Portfolio | 144.88% |
| Fidelity Total Bond Fund | 31.86% |
| Fidelity Series International Developed Markets Bond Index Fund | 25.56% |
| International Bond Fund | 16.65% |
| State Street(R) SPDR(R) Bloomberg Short Term International Treasury Bond ETF | 10.67% |
| Symmetry Panoramic Global Systematic Fixed Income Fund | 8.03% |
| Putnam Global Income Trust | 5.29% |
| Strategic Advisers Fidelity Core Income Fund | 4.92% |
| State Street(R) SPDR(R) Bloomberg International Treasury Bond ETF | 4.11% |
OakChart. ACNB. Cached 15 minutes. Terms