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ACNB Corporation

NASDAQ•ACNB
CEO: Mr. James P. Helt
セクター: Financial Services
業種: Banks - Regional
上場日: 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.
連絡先情報
16 Lincoln Square, Gettysburg, PA, 17325, United States
717-334-3161
www.acnb.com
時価総額
$486.74M
PER (TTM)
13.1
14.6
配当利回り
3.1%
52週高値
$53.89
52週安値
$35.70
52週レンジ
61%
順位42Top 47.5%
3.9
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.9 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$46.04M+38.74%
直近4四半期の推移

EPS

$1.04+35.07%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

PGC stock ticker logoPGC
$441.36M
+9.5%
KRNY stock ticker logoKRNY
$343.87M
-1.6%
SHBI stock ticker logoSHBI
$342.72M
+5.0%

粗利益率 (最新四半期)

NFBK stock ticker logoNFBK
314.9%
+0.0pp
NRIM stock ticker logoNRIM
82.9%
+5.0pp
ACNB stock ticker logoACNB
77.1%
-3.2pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
SHBI$592.32M10.010.4%1.8%
PGC$591.35M15.85.9%3.5%
RRBI$588.77M13.412.3%0.0%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
1.9%
緩やかな成長
4四半期純利益CAGR
N/M
収益構造の変化
キャッシュフロー安定性
50%
キャッシュフローに注意が必要

深度リサーチ

次回決算:2026年4月22日
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EPS:-
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売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書
直近12ヶ月
データなし