ACNB Corporation
NASDAQ•ACNB
CEO: Mr. James P. Helt
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1994-04-04
ACNB Corporation, a financial holding company, offers banking, insurance, and financial services to individual, business, and government customers in the United States. The company provides checking, savings, and money market deposit accounts, as well as time deposits and debit cards. It also offers commercial lending products, such as commercial mortgages, real estate development and construction loans, accounts receivable and inventory financing, and agricultural and governmental loans; consumer lending products, including home equity loans and lines of credit, automobile and recreational vehicle loans, manufactured housing loans, and personal lines of credit; and mortgage lending programs include personal residential mortgages, and residential construction and investment mortgage loans. In addition, the company provides other services that are related to testamentary trusts, life insurance trusts, charitable remainder trusts, guardianships, powers of attorney, custodial accounts, and investment management and advisory accounts; and retail brokerage services. Further, it acts as a trustee to invest in, protect, manage, and distribute financial assets. Additionally, the company offers property and casualty, health, life, and disability insurance products to commercial and personal clients; and online, telephone, and mobile banking, as well as automated teller machine services. ACNB Corporation was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.
Contact Information
Market Cap
$476.91M
P/E (TTM)
12.7
14.2
Dividend Yield
3.2%
52W High
$53.89
52W Low
$35.70
52W Range
Rank42Top 47.5%
3.9
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.9 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q4 2025 Data
Revenue
$46.04M+38.74%
4-Quarter Trend
EPS
$1.04+35.07%
4-Quarter Trend
FCF
$11.21M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Successful Traditions Acquisition Integration 2025 net income rose 16.3% to $37.1M, driven by the February 1, 2025 Traditions acquisition. (17 words)
Net Interest Margin Expansion FTE Net Interest Margin improved 44 basis points to 4.23% in 2025, boosted by acquisition accounting adjustments. (17 words)
Significant Balance Sheet Growth Total assets reached $3.23B by year-end, reflecting $877.7M in assets added via the recent strategic acquisition. (18 words)
Strong Capital Adequacy Maintained Banking subsidiary capital ratios remain robust; Tier 1 Leverage ratio stood at 10.92%, exceeding regulatory minimums. (17 words)
Risk Factors
Credit Quality Deterioration Noted NPL ratio increased to 0.46% by year-end 2025, driven by acquisition-related loans and three unrelated relationships. (18 words)
Increased Operating Expense Base Noninterest expenses surged 42.2% to $100.5M, primarily due to merger-related costs and increased salaries/benefits post-acquisition. (18 words)
Interest Rate Risk Exposure Simulation shows potential net interest income decrease (0.9% at -200 bps shock) indicating modest asset sensitivity. (18 words)
ACL Provisioning Increased Provision for credit losses was $5.3M in 2025, reversing the $2.4M reversal recorded in the prior year. (18 words)
Outlook
Focus on Loan Portfolio Quality Management emphasizes disciplined underwriting standards despite intense competition; ACL adequacy is continually reviewed quarterly. (17 words)
Investment Portfolio Repositioning Portfolio repositioning completed in December 2025, expected to improve net interest income by approximately $2.6M over 12 months. (19 words)
Managing Regulatory Capital Levels ACNB must maintain capital above Basel III minimums; future regulatory changes could require higher capital buffers. (17 words)
Cybersecurity and Technology Risk High reliance on electronic systems exposes the bank to cyber-attacks, requiring continuous investment in security monitoring and testing. (18 words)
Peer Comparison
Revenue (TTM)
$441.36M
$343.87M
$342.72M
Gross Margin (Latest Quarter)
314.9%
82.9%
77.1%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| SHBI | $598.00M | 9.8 | 10.4% | 1.8% |
| PGC | $592.76M | 15.5 | 5.9% | 3.5% |
| RRBI | $584.98M | 13.3 | 12.3% | 0.0% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
1.9%
Moderate Growth
4Q Net Income CAGR
N/M
Profitability Shift
Cash Flow Stability
75%
Volatile Cash Flow
Deep Research
Next earnings:Apr 22, 2026
EPS:-
|Revenue:-
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
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No Data