ACNB/$ACNB
1D1W1MYTD1Y5YMAX
Capital at risk
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
$651M
12.15
$5.27
0.86
$2.10
2.62%
Price and volume
Market cap
$651M
Beta
0.86
52-week high
$67.60
52-week low
$42.52
Average daily volume
70K
Dividend rate
$2.10
Financial strength
Dividend payout ratio (TTM)
37.92%
Profitability
Net profit margin (TTM)
33.91%
Operating margin (TTM)
46.80%
Effective tax rate (TTM)
20.42%
Revenue per employee (TTM)
$310,000
Management effectiveness
Return on assets (TTM)
1.66%
Return on equity (TTM)
13.34%
Valuation
Price to earnings (TTM)
12.155
Price to revenue (TTM)
4.108
Price to book
1.54
Price to tangible book (TTM)
1.92
Price to free cash flow (TTM)
11.244
Free cash flow yield (TTM)
8.89%
Free cash flow per share (TTM)
5.697
Dividend yield (TTM)
3.28%
Forward dividend yield
2.62%
Growth
Revenue change (TTM)
30.82%
Earnings per share change (TTM)
96.25%
3-year revenue growth (CAGR)
12.23%
3-year earnings per share growth (CAGR)
4.83%
10-year earnings per share growth (CAGR)
11.02%
3-year dividend per share growth (CAGR)
11.38%
10-year dividend per share growth (CAGR)
6.63%
Bulls say / Bears say
ACNB delivered record second-quarter 2026 results, with net income of $15.2 million and diluted EPS of $1.49, up from $13.7 million and $1.32 in the first quarter; annualized ROA and ROE reached 1.85% and 14.54%, respectively. (SEC)
Earnings momentum was supported by a 4.56% FTE net interest margin, up from 4.21% a year earlier, alongside 2.1% sequential loan growth and a 4.3% increase in noninterest-bearing deposits. (SEC)
Management is returning substantial capital to shareholders while signaling confidence in the balance sheet: ACNB raised its regular dividend to $0.42 per share, paid a $0.50 special dividend, authorized repurchases of up to 310,000 shares, and repurchased 179,407 shares during the second quarter. (SEC)
Loan growth was driven primarily by commercial real estate, while nonperforming loans remained 0.41% of total loans; a deterioration in regional commercial property conditions could therefore pressure credit costs. (SEC)
Borrowings rose to $323.1 million at June 30, 2026 from $279.2 million three months earlier, while deposits increased only modestly, exposing ACNB to greater reliance on potentially more expensive wholesale funding. (SEC)
Capital ratios and tangible common equity declined sequentially despite strong earnings, while ACNB also paid a $0.50 special dividend and repurchased shares; continued capital returns could reduce flexibility if credit losses or funding pressures increase. (SEC)
Data summarised monthly by Lightyear AI. Last updated on 9 Sept 2026.
Upcoming events
No upcoming events
Funds containing ACNB
Fund name | Fund size | $ACNB weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.02% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.