
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
$513.01M
P/E (TTM)
15.7
15.1
Dividend Yield
2.8%
52W High
$53.41
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
Q3 2025 Data
Revenue
$50.90M+49.38%
4-Quarter Trend
EPS
$1.43+68.23%
4-Quarter Trend
FCF
$0.00+0.00%
4-Quarter Trend
2025 Q3 Earnings Highlights
Key Highlights
Strong Net Interest Income Growth Nine-month NII increased $27.7M to $90.2M, driven primarily by the successful integration of Traditions Bancorp assets.
FTE Net Interest Margin Expansion FTE NIM expanded 40 basis points to 4.19% for nine months, benefiting from acquisition accounting accretion impacts.
Significant Loan Portfolio Expansion Total net loans grew 38.8% to $2.34B, largely due to the $648.5M in loans acquired via the February 2025 merger.
Robust Capital Adequacy Maintained Corporation's Tier 1 Leverage ratio stands at 11.22%, significantly exceeding the 4.00% minimum regulatory requirement.
Risk Factors
Rising Nonperforming Loan Levels Nonperforming loans increased to $10.02M (0.43% of total loans), primarily driven by the inclusion of the acquired Traditions portfolio.
Elevated Merger-Related Expenses Noninterest expenses rose sharply by $24.8M YTD, heavily impacted by $10.1M in merger-related costs incurred during integration.
Adverse Trade Policy Impacts Changes in trade policies or tariffs could negatively affect local customer profitability, potentially increasing loan delinquencies and credit losses.
Downside Interest Rate Risk Simulation analysis indicates potential 1.0% decrease in 12-month net interest income under a 200 bps falling rate scenario.
Outlook
Finalizing Acquisition Accounting Management continues ongoing evaluation of acquired asset and liability fair values for up to one year post-acquisition date.
Managing Initial Credit Allowance Initial ACL established due to acquisition; future provisions depend on portfolio performance and economic condition forecasts.
Recent Interest Rate Hedging Executed a forward-starting $20.0M receive-floating swap and secured a $20.0M FHLB borrowing in October 2025.
Maintaining Strong Capital Levels Focus remains on maintaining capital ratios above regulatory minimums while supporting business growth initiatives post-merger.
Peer Comparison
Revenue (TTM)
PGC$430.74M
$344.01M
$298.06M
Gross Margin (Latest Quarter)
ACNB81.1%
80.4%
76.3%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| NRIM | $639.30M | 10.1 | 21.9% | 0.9% |
| AROW | $537.17M | 15.6 | 8.4% | 0.6% |
| PGC | $518.68M | 15.1 | 5.5% | 1.9% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
15.3%
Strong Growth
4Q Net Income CAGR
31.1%
Profitability Improved
Cash Flow Stability
50%
Cash Flow Needs Attention
Research & Insights
Next earnings:Jan 22, 2026
EPS:$1.26
|Revenue:$39.69M
Reports
All Years
Form 10-Q - Q3 2025
Period End: Sep 30, 2025|Filed: Nov 6, 2025|Revenue: $50.90M+49.4%|EPS: $1.43+68.2%BeatForm 10-Q - Q2 2025
Period End: Jun 30, 2025|Filed: Aug 7, 2025|Revenue: $50.26M+50.9%|EPS: $1.11-15.9%MissForm 10-Q - Q1 2025
Period End: Mar 31, 2025|Filed: May 9, 2025|Revenue: $43.47M+37.4%|EPS: $-0.03-103.5%MissForm 10-K - FY 2024
Period End: Dec 31, 2024|Filed: Mar 14, 2025|Revenue: $132.20M+15.2%|EPS: $3.75+0.8%BeatForm 10-Q - Q3 2024
Period End: Sep 30, 2024|Filed: Nov 7, 2024|Revenue: $34.07M+11.7%|EPS: $0.85-19.8%MissForm 10-Q - Q2 2024
Period End: Jun 30, 2024|Filed: Aug 8, 2024|Revenue: $33.30M+14.5%|EPS: $1.32+17.9%BeatForm 10-Q - Q1 2024
Period End: Mar 31, 2024|Filed: May 9, 2024|Revenue: $31.64M+9.5%|EPS: $0.80-24.5%MeetForm 10-K - FY 2023
Period End: Dec 31, 2023|Filed: Mar 14, 2024|Revenue: $114.75M+5.8%|EPS: $3.72-10.4%Beat