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ACNB/$ACNB

ACNB shares fall after its quarterly filing disclosed a larger credit-loss provision tied to an isolated commercial and industrial borrower and a rise in non-performing loans.
22 hours agoLightyear AI
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About ACNB

ACNB Corp is the financial holding company. Through its wholly-owned subsidiaries, it provides a full range of retail and commercial financial services in Pennsylvania and Maryland through its network of community banking offices. It also provides property, casualty, health, life and disability insurance serving personal and commercial clients through offices in Westminster, Maryland, and Gettysburg, Pennsylvania and is licensed to do business. The corporation has two reporting segments; the Banking segment which generates the majority of the revenue from banking and wealth management services, including trust and retail brokerage; and ACNB Insurance Services segment which offers a broad range of property and casualty, life and health insurance to both commercial and individual clients.
Ticker
$ACNB
Sector
Finance
Primary listing
NASDAQ
Employees
519
Headquarters
Gettysburg, United States
Website
www.acnb.com

ACNB Metrics

BasicAdvanced
$666M
12.14
$5.39
0.87
$2.10
2.57%

What the Analysts think about ACNB

Analyst ratings (Buy, Hold, Sell) for ACNB stock.
Analyst projections of the future price of ACNB stock.

Bulls say / Bears say

ACNB posted record third-quarter net income of $15.7 million and diluted EPS of $1.55, up from $14.9 million and $1.42 a year earlier. Returns were strong, with a 1.87% return on assets and 14.67% return on equity. (ACNB Corporation)
The net interest margin rose to 4.56% from 4.27% a year earlier, helping lift net interest income by $2.6 million. Growth in non-interest-bearing deposits also helped ACNB pay down $30 million of brokered deposits, supporting a lower-cost funding mix. (ACNB Corporation)
Capital and shareholder returns look supportive: tangible common equity was 10.47% of tangible assets, up from 10.14% a year earlier. ACNB raised its quarterly dividend by 23.5% year on year to $0.42 and continued share repurchases. (ACNB Corporation)
Credit metrics softened during the quarter: non-performing loans rose to 0.45% of loans from 0.41%, and the allowance for credit losses increased by $970,000. The increase was mainly tied to a specific commercial and industrial borrower, but it adds a risk to earnings if credit problems spread. (ACNB Corporation)
Operating expenses rose 3.8% year on year to $23.2 million, with salaries and benefits up 6.5% and professional services up 36.2%. If cost growth persists faster than revenue growth, it could weigh on profitability. (ACNB Corporation)
Some earnings support may be hard to repeat: the quarter included about $690,000 of life-insurance proceeds, while acquisition-accounting accretion fell to $1.6 million from $2.1 million a year earlier. As that acquisition benefit fades, ACNB may need stronger underlying growth to sustain recent earnings gains. (ACNB Corporation)
Data summarised monthly by Lightyear AI. Last updated on 6 Nov 2026.

ACNB Financial Performance

Revenues and expenses
Income statement
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
Net income
Profit margin

ACNB Earnings Performance

Company profitability
Earnings per share
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
Expected
Surprise

Funds containing ACNB

Funds
Fund name
Fund size
$ACNB weighting
SPDR Russell 2000 US Small Cap€R2US
$5.3B0.03%
SPDR Russell 2000 US Small Cap£R2SC
$5.3B0.03%
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