| Index | — | P/E | 12.11 | EPS (ttm) | 5.40 | Insider Own | 5.21% | Shs Outstand | 10.17M | Perf Week | -0.03% |
| Market Cap | 665.11M | Forward P/E | 11.47 | EPS next Y | 5.70 | Insider Trans | -0.28% | Shs Float | 9.76M | Perf Month | 3.99% |
| Enterprise Value | 974.11M | PEG | — | EPS next Q | 1.44 | Short Float | 5.84% | Perf Quarter | 1.36% | ||
| Income | 56.00M | P/S | 3.26 | EPS this Y | 15.19% | Short Ratio | 8.18 | Perf Half Y | 26.92% | ||
| Sales | 204.00M | P/B | 1.58 | EPS next Y | -0.27% | ROA | 1.68% | Short Interest | 569.69K | Perf YTD | 35.26% |
| Book/sh | 41.30 | P/C | 24.63 | EPS next 5Y | -0.08% | ROE | 13.13% | 52W High | 67.60 -3.25% | Perf Year | 48.30% |
| Cash/sh | 2.65 | P/FCF | 21.46 | EPS past 3/5Y | -4.63% 11.07% | ROIC | 1.68% | 52W Low | 42.60 53.52% | Perf 3Y | 104.31% |
| Dividend Est. | 4.84 (7.40%) | EV/EBITDA | 12.99 | Sales past 3/5Y | 16.33% 10.12% | Gross Margin | 79.57% | Volatility | 1.94% 1.97% | Perf 5Y | 137.39% |
| Dividend TTM | 2.10 (3.21%) | EV/Sales | 4.78 | EPS Y/Y TTM | 65.02% | Oper. Margin | 34.17% | ATR (14) | 1.35 | Perf 10Y | 151.06% |
| Dividend Ex-Date | Dec 01, 2026 | Quick Ratio | 0.23 | Sales Y/Y TTM | 15.25% | Profit Margin | 27.31% | RSI (14) | 61.01 | Recom | 2.50 |
| Dividend Gr. 3/5Y | 9.19% 6.65% | Current Ratio | 0.23 | EPS Q/Q | 9.15% | SMA20 | 2.36% | Beta | 0.89 | Target Price | 61.00 |
| Payout | 30.96% | Debt/Eq | 0.80 | Sales Q/Q | 5.88% | SMA50 | 1.97% | Rel Volume | 1.17 | Prev Close | 65.59 |
| Employees | 519 | LT Debt/Eq | 0.52 | Earnings | Jan 28 | SMA200 | 15.28% | Avg Volume | 65.14K | Price | 65.40 |
| IPO Date | Apr 04, 1994 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 5.80% 0.31% | Net Debt/EBITDA | 4.12 | Volume | 76,063 | Change | -0.29% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Jun-26-26 | Reiterated | Piper Sandler | Overweight | $58 → $65 |
| May-27-26 | Downgrade | Hovde Group | Outperform → Market Perform | $57 |
| Apr-28-26 | Reiterated | Piper Sandler | Overweight | $52 → $58 |
| Oct-30-25 | Reiterated | Piper Sandler | Overweight | $37 → $52 |
| Mar-21-25 | Initiated | Raymond James | Outperform | $47 |
| Mar-03-25 | Upgrade | Piper Sandler | Neutral → Overweight | |
| Jul-31-24 | Upgrade | Hovde Group | Market Perform → Outperform | |
| May-01-24 | Reiterated | Piper Sandler | Neutral | $37 |
ACNB Corporation operates as a financial holding company, offering a comprehensive suite of banking, insurance, and financial services to a diverse clientele including individuals, businesses, and government entities across the United States. Its banking segment provides a range of deposit products such as checking, savings, money market, and time accounts, along with debit cards. The company is also a significant lender, furnishing commercial products like mortgages, real estate development and construction financing, accounts receivable and inventory loans, and agricultural and governmental funding. For individual consumers, it supplies home equity loans and lines of credit, automotive and recreational vehicle loans, manufactured housing loans, and personal lines of credit. Mortgage programs encompass personal residential, construction, and investment properties. Beyond traditional banking, ACNB delivers extensive wealth management and trust services, acting as a trustee to oversee, manage, and distribute financial assets for testamentary, life insurance, and charitable remainder trusts, as well as guardianships, powers of attorney, custodial accounts, and investment advisory and management services. Retail brokerage is also available. Additionally, the corporation offers various insurance products, including property and casualty, health, life, and disability coverage for both commercial and individual clients. Customers benefit from convenient access through online, telephone, and mobile banking, alongside automated teller machine services. Established in 1857 and based in Gettysburg, Pennsylvania, ACNB's physical network as of December 31, 2021, comprised 19 community banking branches across Adams, York, Cumberland, and Franklin counties in Pennsylvania; five community banking offices in Frederick County, Maryland; and six in Carroll County, Maryland. Loan offices further extend its reach in Lancaster and York, Pennsylvania, and Hunt Valley, Maryland.
Per-holder 13F data hasn't been ingested for this ticker yet.
| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 204 | 170 | 132 | 115 | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 42 | 45 | 21 | 9 | — | — | — | — | — | |
| Gross Profit | 161 | 126 | 111 | 106 | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 77 | 67 | 44 | 42 | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | 0 | — | — | — | — | — | |
| Other Operating Expense | 15 | 12 | 27 | 24 | — | — | — | — | — | |
| Operating Income | 69 | 46 | 40 | 40 | — | — | — | — | — | |
| Interest Expense | 40 | 40 | 24 | 8 | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 40 | 40 | 24 | 8 | — | — | — | — | — | |
| Net Income Before Taxes | 69 | 46 | 40 | 40 | — | — | — | — | — | |
| Income Taxes | 14 | 9 | 9 | 8 | — | — | — | — | — | |
| Consolidated Net Income | 56 | 37 | 32 | 32 | — | — | — | — | — | |
| Net Income From Continuing Operations | 56 | 37 | 32 | 32 | — | — | — | — | — | |
| Net Income | 56 | 37 | 32 | 32 | — | — | — | — | — | |
| EPS (Recurring) | 5.41 | 3.61 | 3.75 | 3.72 | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 5.41 | 3.61 | 3.75 | 3.72 | — | — | — | — | — | |
| EPS (Diluted) | 5.40 | 3.60 | 3.73 | 3.71 | — | — | — | — | — | |
| EBITDA | 75 | 53 | 43 | 43 | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 12.11 | 13.43 | 10.68 | 12.06 | — | — | — | — | — | |
| Price To Sales Ratio | 3.21 | 2.84 | 2.72 | 3.50 | — | — | — | — | — | |
| Gross Margin | 78.92 | 74.12 | 84.09 | 92.17 | — | — | — | — | — | |
| Operating Margin | 33.82 | 27.06 | 30.30 | 34.78 | — | — | — | — | — | |
| Net Margin | 27.45 | 21.76 | 24.24 | 27.83 | — | — | — | — | — | |
| Shares Outstanding | 10 | 10 | 9 | 9 | — | — | — | — | — | |
| Market Capitalization | 654 | 484 | 358 | 403 | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| ELSNER FRANK III | Director | Sep 15 '26 | Buy | 65.29 | 4 | 250 | 29,071 | Sep 17 |
| Seibel Donald Arthur Jr | Director | Aug 07 '26 | Sale | 64.35 | 1,500 | 96,525 | 5,312 | Aug 07 |
| ELSNER FRANK III | Director | Mar 13 '26 | Buy | 46.42 | 5 | 250 | 28,484 | Mar 17 |
| Hayes Kevin J | SVP/Secretary & Gen. Counsel | Feb 03 '26 | Sale | 51.30 | 750 | 38,477 | 2,632 | Feb 04 |
| FULK BRETT D | ACNB Bank EVP | Jan 26 '26 | Sale | 48.52 | 1,486 | 72,104 | 1,048 | Jan 27 |
| FULK BRETT D | ACNB Bank EVP | Dec 15 '25 | Sale | 52.27 | 2,773 | 144,957 | 3,306 | Dec 17 |
| ELSNER FRANK III | Director | Dec 15 '25 | Buy | 52.65 | 5 | 250 | 28,174 | Dec 17 |
| Seibel Donald Arthur Jr | Director | Dec 11 '25 | Sale | 51.00 | 5,000 | 255,000 | 5,927 | Dec 12 |
| Kelley Scott L | Director | Nov 20 '25 | Buy | 40.00 | 396 | 15,840 | 27,425 | Nov 21 |
| ELSNER FRANK III | Director | Sep 15 '25 | Buy | 44.83 | 6 | 258 | 27,948 | Sep 17 |
| Lott James J | Director | Sep 15 '25 | Buy | 44.83 | 251 | 11,250 | 18,290 | Sep 17 |
| ELSNER FRANK III | Director | Jun 13 '25 | Buy | 40.97 | 6 | 250 | 27,693 | Jun 17 |
| ELSNER FRANK III | Director | Mar 14 '25 | Buy | 41.75 | 6 | 253 | 27,173 | Mar 19 |
| HELT JAMES | President & CEO | Dec 13 '24 | Buy | 45.55 | 55 | 2,500 | 34,749 | Dec 18 |
| ELSNER FRANK III | Director | Dec 13 '24 | Buy | 45.55 | 5 | 250 | 26,930 | Dec 18 |