ACNB
Provides community banking, mortgage, wealth-management, and insurance services in Pennsylvania and Maryland.
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Profile
Operates ACNB Bank and ACNB Insurance Services, combining commercial and consumer banking with mortgage, wealth-management, and insurance offerings. The platform is rooted in south-central Pennsylvania and northern Maryland, while its insurance operations serve personal and commercial clients in multiple states.
Runs two operating platforms: ACNB Bank and ACNB Insurance Services. The bank provides commercial and consumer banking, mortgage services through Traditions Mortgage, and trust, investment-management, and retail-brokerage services under ACNB Wealth Management.
Banking activity is concentrated in south-central Pennsylvania and northern Maryland, where a community-banking model centers on relationship-based local service. Its footprint grew through acquisitions, including the addition of Traditions Bank offices to ACNB Bank.
ACNB Insurance Services serves personal and commercial clients with property, casualty, health, life, and disability coverage. The insurance unit operates separately from the bank and is licensed across multiple states, making diversification beyond banking a structural part of the platform.
Company facts
Categories
Key statistics
Year to date +36.9% · Average volume (30d) 75.0K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jun 26, 2026 | Piper Sandler | Reiterate | Overweight | $58 | $65 | |
| May 27, 2026 | Hovde Group | Downgrade | Outperform | Market Perform | $57 | |
| Apr 28, 2026 | Piper Sandler | Reiterate | Overweight | $52 | $58 | |
| Oct 30, 2025 | Piper Sandler | Reiterate | Overweight | $37 | $52 | |
| Mar 3, 2025 | Piper Sandler | Upgrade | Neutral | Overweight |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 23, 2026Q2 FY26 | $1.38 | $1.49 | +8.0% | $42.2M | $42.8M | +1.5% | −1.21% |
| Apr 23, 2026Q1 FY26 | $1.26 | $1.32 | +4.8% | $40.0M | $40.4M | +1.1% | −2.81% |
| Jan 22, 2026Q4 FY25 | $1.26 | $1.35 | +7.1% | $39.7M | $40.7M | +2.6% | −3.58% |
| Oct 23, 2025Q3 FY25 | $1.20 | $1.42 | +18.3% | $39.2M | $50.9M | +29.8% | −0.96% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $43.5M | $50.3M | $50.9M | $46.0M | $50.5M | $52.5M | |
| Gross profit | $28.8M | $40.3M | $41.3M | $35.5M | $40.8M | $42.4M | |
| Operating income | −$549.0K | $14.9M | $18.9M | $13.2M | $17.3M | $19.2M | |
| Net income | −$272.0K | $11.6M | $14.9M | $10.8M | $13.7M | $15.2M | |
| Diluted EPS | −$0.03 | $1.11 | $1.42 | $1.04 | $1.32 | $1.49 | |
| Gross margin | 66.2% | 80.1% | 81.1% | 77.1% | 80.8% | 80.7% | |
| Operating margin | -1.3% | 29.7% | 37.2% | 28.6% | 34.2% | 36.7% |
Fiscal years (4-quarter sums)FY21 $100.9M · FY22 $108.4M · FY23 $114.7M · FY24 $132.2M · FY25 $190.7M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $28.0M · Total debt $327.4M · Total assets $3.32B · Shareholders' equity $423.3M
Dividends
Raised for 30 straight years — most recently to $0.38 from $0.34 in Dec 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 1, 2026 | Jun 1 | Jun 15 | $0.92 | special dividend |
| Feb 27, 2026 | Feb 27 | Mar 13 | $0.38 | |
| Dec 1, 2025 | Dec 1 | Dec 15 | $0.38 | raised from $0.34 |
| Aug 29, 2025 | Sep 1 | Sep 15 | $0.34 | |
| May 30, 2025 | May 30 | Jun 13 | $0.34 | raised from $0.32 |
| Feb 28, 2025 | Feb 28 | Mar 14 | $0.32 | |
| Nov 29, 2024 | Nov 29 | Dec 13 | $0.32 | |
| Aug 30, 2024 | Aug 30 | Sep 13 | $0.32 |
Ownership
Shares outstanding 10.21M · Float 9.80M · 96.0% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 622.6K | 6.10% | 13F | May 13, 2026 |
| Vanguard Capital Management LLC | 427.7K | 4.19% | 13F | May 15, 2026 |
| FMR LLC | 363.7K | 3.56% | 13F | May 15, 2026 |
| Private Capital Management, LLC | 359.7K | 3.52% | 13F | May 15, 2026 |
| Dimensional Fund Advisors LP | 334.8K | 3.28% | 13F | May 7, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 7, 2026 | Donald Arthur Jr Seibel | director | −1,500 | $64.35 |
| Mar 13, 2026 | Frank Iii Elsner | director | +5 | $46.42 |
| Feb 3, 2026 | Kevin J. Hayes | officer: SVP/Secretary & Gen. Counsel | −750 | $51.30 |
| Jan 26, 2026 | Brett D. Fulk | other: ACNB Bank EVP | −1,486 | $48.52 |
| Dec 15, 2025 | Frank Iii Elsner | director | +5 | $52.65 |
Peers
- Orrstown Financial Services
Community-bank overlap across south-central PA and northern MD
- Fulton Financial
Regional overlap in deposits, lending, mortgages, and wealth
- F.N.B.
Regional banking overlap across Pennsylvania and Maryland
- M&T Bank
Direct branch overlap in Gettysburg and Frederick banking markets
- PNC Financial Services Group
Larger-bank presence across Pennsylvania and Maryland markets
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| ACNB | $64.51 | −0.25% | $658.8M | 12.2 | 11.4 | 3.3 | −14.8% |
| Orrstown Financial Services | $41.96 | −0.19% | $824.4M | 9.1 | 9.7 | 2.3 | +1.4% |
| Fulton Financial | $23.69 | +0.02% | $4.53B | 11.3 | 10.6 | 2.4 | +13.5% |
| F.N.B. | $18.41 | −0.05% | $6.55B | 11.0 | 10.3 | 2.4 | +5.6% |
| M&T Bank | $237.29 | −0.08% | $34.39B | 12.5 | 11.9 | 2.8 | +5.7% |
| PNC Financial Services Group | $256.30 | +5.78% | $96.65B | 13.3 | 11.9 | 2.7 | +21.4% |
| Median | 11.3 | 10.6 | 2.4 | +5.7% |