ACNB Corporation
- Open
- 60.07
- Day high
- 60.98
- Day low
- 59.84
- Prev close
- 60.45
- Volume
- 58K
- Mkt cap
- $620M
- P/E (TTM)
- 12.4
- EPS (TTM)
- $4.90
- P/B
- 1.5
- P/S
- 3.1
- Yield
- 3.33%
- Per share
- $2.02
ACNB Corporation (ACNB) is a Financial Services company listed on NASDAQ. The stock is up 40% over the past year.
ACNB Corporation (ACNB) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 2 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
ACNB earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 23, 2026 | $1.26 | $1.32 | +4.8% | $40M | +1.1% |
| Mar 12, 2026 | — | $1.04 | — | $46M | — |
| Oct 23, 2025 | $1.20 | $1.42 | +18.3% | $51M | +29.8% |
| Jul 24, 2025 | $1.14 | $1.11 | -2.6% | $50M | +27.8% |
| Apr 24, 2025 | $0.94 | $1.03 | +9.6% | $43M | +33.1% |
| Jan 23, 2025 | $0.83 | $0.77 | -7.2% | $27M | +2.0% |
| Oct 24, 2024 | $0.92 | $0.84 | -8.7% | $28M | +0.1% |
| Jul 24, 2024 | $0.84 | $1.32 | +57.1% | $27M | +1.9% |
| Apr 25, 2024 | $0.80 | $0.80 | +0.0% | $26M | +0.5% |
| Jan 25, 2024 | $0.94 | $0.48 | -48.9% | $22M | -17.9% |
| Oct 27, 2023 | $0.99 | $1.06 | +7.1% | $24M | -13.2% |
| Jul 27, 2023 | $1.02 | $1.12 | +9.8% | $28M | -0.4% |
ACNB insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 17, 2026 | ELSNER FRANK IIIdirector | Grant | 182 | $56.51 |
| Jun 17, 2026 | Newell Donna Mdirector | Grant | 243 | $56.51 |
| Jun 17, 2026 | Chiaruttini Alexandra Cdirector | Grant | 243 | $56.51 |
| Jun 17, 2026 | Carson Elizabeth F.director | Grant | 182 | $56.51 |
| Jun 17, 2026 | ELSNER FRANK IIIdirector | Grant | 4 | $56.51 |
| Jun 17, 2026 | Chaney Kimberly Sdirector | Grant | 182 | $56.51 |
| Jun 17, 2026 | Herring Todd Ldirector, other: Vice Chairman of the Board | Grant | 243 | $56.51 |
| Jun 17, 2026 | Seibel Donald Arthur Jrdirector | Grant | 243 | $56.51 |
| Jun 17, 2026 | Stock Alan Jdirector, other: Chairman of the Board | Grant | 243 | $56.51 |
| Jun 17, 2026 | Polli John M.director | Grant | 243 | $56.51 |
| Jun 17, 2026 | Draganosky Eugene J.director | Grant | 182 | $56.51 |
| Jun 17, 2026 | Lott James Jdirector | Grant | 182 | $56.51 |
| Mar 17, 2026 | Kelley Scott Ldirector | Grant | 222 | $46.42 |
| Mar 17, 2026 | Lott James Jdirector | Grant | 222 | $46.42 |
| Mar 17, 2026 | Weber Jason Hofficer: EVP, Treasurer & CFO | Grant | 3,442 | $46.42 |
Source: ACNB SEC Form 4 filings, latest Jun 17, 2026. For informational purposes only — not investment advice.
See the full ACNB insider & 13F page →ACNB Corporation company profile
Overview
ACNB Corporation (NASDAQ:ACNB) is a financial holding company founded in 1857 and headquartered in Gettysburg, Pennsylvania. The company has evolved from a small community bank into a regional financial services provider serving customers across south-central Pennsylvania and northern Maryland through a network of 30 community banking offices. ACNB operates as the parent company for The Gettysburg National Bank, Russell Insurance Group, and Gettysburg Trust Company, offering a comprehensive suite of banking, insurance, and trust services to individual, business, and government customers.
Business
ACNB Corporation operates in the regional banking sector, providing traditional community banking services alongside insurance and trust services. The company's core business revolves around deposit-taking and lending activities, which form the foundation of commercial banking. In simple terms, ACNB collects money from customers through various deposit accounts (checking, savings, money market accounts, and certificates of deposit) and then lends this money to other customers who need financing for homes, businesses, or personal needs, earning profit from the interest rate spread between what they pay depositors and what they charge borrowers. The company operates through three main business segments. The banking division represents the largest portion of revenue, offering commercial lending products including commercial mortgages, real estate development and construction loans, accounts receivable financing, and agricultural loans. Consumer lending includes home equity loans, automobile loans, manufactured housing loans, and personal lines of credit. The banking segment also provides residential mortgage lending for both personal homes and investment properties. The insurance division, operated through Russell Insurance Group, provides property and casualty, health, life, and disability insurance products to both commercial and individual clients. This segment operates as an insurance agency, earning commissions by selling insurance products from various carriers to customers. The trust and wealth management division, managed through Gettysburg Trust Company, offers fiduciary services including testamentary trusts, life insurance trusts, charitable remainder trusts, guardianships, powers of attorney, custodial accounts, and investment management services. This division serves as a trustee to manage and distribute financial assets for clients. The company also provides retail brokerage services, allowing customers to buy and sell securities.
Revenue model
ACNB Corporation generates revenue through multiple streams typical of regional banks. The primary revenue source is net interest income, which is the difference between interest earned on loans and investments and interest paid on deposits and borrowings. When ACNB lends money at 6% interest but pays only 2% on deposits, the 4% spread generates profit. This spread-based model means the company benefits from rising interest rates when loan rates increase faster than deposit rates, but can suffer when rates fall or when deposit competition forces higher deposit rates. The company also earns non-interest income through several channels. Fee income comes from account maintenance fees, overdraft fees, loan origination fees, and transaction processing fees. The insurance division generates commission income by selling insurance products, typically earning a percentage of the premiums paid by customers. The trust and wealth management division charges fees for asset management, typically calculated as a percentage of assets under management, plus fees for specific trust and fiduciary services. Several factors influence ACNB's profitability margins. Interest rate environment significantly impacts net interest margins - rising rates generally benefit banks initially, but prolonged high rates can increase credit losses and reduce loan demand. Credit quality directly affects profitability, as loan losses from defaults reduce earnings and require provisions that impact net income. Competition from larger banks and fintech companies can pressure both lending rates and deposit rates, compressing margins. Regulatory compliance costs represent a fixed expense that can burden smaller regional banks disproportionately. Local economic conditions in Pennsylvania and Maryland markets affect loan demand, credit quality, and deposit growth, while operational efficiency through technology investments and branch optimization can improve cost structures and margins.
Competitive moat
ACNB Corporation possesses a modest but meaningful competitive moat built primarily around local market relationships and community banking advantages. The company's 167-year history in the Gettysburg area has established deep-rooted customer relationships and local market knowledge that larger national banks struggle to replicate. Community banks like ACNB often provide more personalized service, faster decision-making on loans, and better understanding of local business conditions, which creates customer loyalty and reduces price sensitivity. The company's diversified revenue streams through banking, insurance, and trust services provide some protection against competitive pressures in any single area. The trust and wealth management business, in particular, tends to have higher switching costs and longer-term client relationships, creating more stable recurring revenue. Local commercial relationships often involve multiple services (deposits, lending, insurance, cash management), making it more difficult for customers to switch providers. However, ACNB's moat faces significant challenges. Large national banks have substantial advantages in technology investment, product breadth, and cost of funds, allowing them to offer competitive rates and superior digital banking experiences. Fintech companies are disrupting traditional banking relationships by offering specialized services like online lending, digital payments, and robo-advisory services. Credit unions provide tax-advantaged competition in the local market. The company's small scale limits its ability to invest in technology and compete on pricing, while regulatory compliance costs represent a higher percentage of revenue compared to larger institutions. The moat is primarily defensive, based on existing relationships rather than structural competitive advantages, making it vulnerable to technological disruption and aggressive competition from better-capitalized competitors.
Risks & safety
ACNB Corporation demonstrates a strong margin of safety with solid capital position and conservative financial metrics, though typical banking sector risks remain. • Solvency and Capital: Strong equity position with $303 million in shareholders' equity and debt-to-equity ratio of 0.90, indicating conservative leverage. The company maintains regulatory capital ratios well above minimum requirements typical for community banks. • Liquidity Position: Adequate cash position of $47 million plus significant liquid assets. Current ratio of 25.9 indicates strong short-term liquidity, though banking metrics differ from traditional industrial companies due to the nature of deposit liabilities. • Profitability Metrics: Consistent profitability with 10.5% return on equity in 2024 and stable net interest margins. Free cash flow generation of $39 million annually provides financial flexibility. • Valuation Metrics: Trading at reasonable 10.6x P/E ratio and 1.12x price-to-book ratio, below historical banking sector averages, suggesting limited valuation risk. • Asset Quality Considerations: Credit risk inherent in loan portfolio requires monitoring of local economic conditions and loan loss provisions. Interest rate risk from duration mismatch between assets and liabilities typical of banking operations. • Regulatory and Operational Risks: Subject to banking regulations and potential regulatory changes. Scale limitations may impact long-term competitiveness against larger institutions.
Recent development
Based on available financial data, ACNB Corporation has maintained relatively stable operations with consistent revenue generation around $105-107 million annually over the past three years. The company has demonstrated resilience through varying interest rate environments, maintaining profitability with net income ranging from $32-36 million annually. Key financial developments include improved operational efficiency with strong free cash flow generation averaging $38-39 million annually, indicating effective capital management. The company has maintained conservative lending practices while growing its loan portfolio, balancing growth with credit quality. Net interest margins have remained relatively stable despite interest rate volatility, suggesting effective asset-liability management. The company has shown consistent dividend capacity with strong return on equity metrics, indicating sustainable shareholder returns. Geographic footprint has remained stable with 30 community banking offices across Pennsylvania and Maryland markets, suggesting a focus on market penetration rather than aggressive expansion. The diversified revenue model through banking, insurance, and trust services has provided stability during economic uncertainty. Technology and digital banking initiatives appear to be ongoing priorities, though specific details are limited in available financial reports. The company continues to emphasize relationship banking and personalized service as key differentiators in competitive markets, while maintaining conservative capital allocation and risk management practices typical of well-managed community banks.
ACNB company profile · for informational purposes only — not investment advice.
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