Symbols / ACNB Stock $49.06 -2.81% ACNB Corporation

Financial Services • Banks - Regional • United States • NCM
ACNB (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. James P. Helt
Exch · Country NCM · United States
Market Cap 507.19M
Enterprise Value 697.12M
Income 51.03M
Sales 158.86M
FCF (ttm) —
Book/sh 40.49
Cash/sh 9.06
Employees 501
Insider 10d —
IPO Apr 04, 1994
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 29.09%
P/E 9.91
Forward P/E 9.49
PEG —
P/S 3.19
P/B 1.21
P/C —
EV/EBITDA —
EV/Sales 4.39
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 4.95
EPS next Y 5.17
EPS Growth —
Revenue Growth 42.70%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-07-23
Earnings (prior) 2026-04-23
ROA 1.56%
ROE 12.56%
ROIC —
Gross Margin 0.00%
Oper. Margin 45.66%
Profit Margin 32.12%
Shs Outstand 10.34M
Shs Float 9.93M
Insider Own 3.82%
Instit Own 39.63%
Short Float 1.38%
Short Ratio 2.12
Short Interest 137.56K
52W High 53.89
vs 52W High -8.96%
52W Low 40.15
vs 52W Low 22.19%
Beta 0.86
Impl. Vol. 73.89%
Rel Volume 1.29
Avg Volume 54.76K
Volume 70.62K
Target (mean) $56.67
Tgt Median $57.00
Tgt Low $56.00
Tgt High $57.00
# Analysts 3
Recom None
Prev Close $50.48
Price $49.06
Change -2.81%
About

ACNB Corporation, a financial holding company, offers banking, insurance, and financial services to individual, business, and government customers in the United States. The company offers checking, savings, and money market deposit accounts, as well as time deposits and debit cards. It also provides 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 that include personal residential mortgages, residential construction loans, and investment mortgage loans. In addition, the company offers other services that are related to testamentary trusts, life insurance trusts, charitable, guardianships, powers of attorney, custodial accounts, investment management and advisory accounts, wealth management, and retail brokerage and services. Further, the company offers property and casualty, health, life, and disability insurance products to commercial and personal clients; online, telephone, and mobile banking; as well as automated teller machine services. ACNB Corporation was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$56.67
Mean price target
2. Current target
$49.06
Latest analyst target
3. DCF / Fair value
$74.25
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$49.06
Low
$56.00
High
$57.00
Mean
$56.67

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2025-10-30 main Piper Sandler Overweight → Overweight $52
2025-03-21 init Raymond James — → Outperform $47
2025-03-03 up Piper Sandler Neutral → Overweight $50
2024-11-19 init Janney Montgomery Scott — → Buy $53
2024-07-31 up Hovde Group Market Perform → Outperform —
2024-05-01 main Piper Sandler Neutral → Neutral $37
2023-12-18 main Piper Sandler Neutral → Neutral $49
2023-10-31 main Piper Sandler Neutral → Neutral $37
2023-05-31 init Hovde Group — → Outperform $36
2023-05-19 init Piper Sandler — → Neutral $31
News
RSS: Latest ACNB news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-13 LAUB LAURIE A Officer of Subsidiary Company — 3,277 $46.42 $152,146
2026-03-13 SEIBEL DOUGLAS A Officer of Subsidiary Company — 3,131 $46.42 $145,384
2026-03-13 SEIBEL DONALD ARTHUR JR Director — 296 $46.42 $13,750
2026-03-13 HERRING TODD L. Director — 296 $46.42 $13,750
2026-03-13 CHANEY KIMBERLY S. Director — 221 $46.42 $10,300
2026-03-13 CHIARUTTINI ALEXANDRA C. Director — 296 $46.42 $13,750
2026-03-13 WEBER JASON H Chief Financial Officer — 3,441 $46.42 $159,776
2026-03-13 BERWAGER EMILY E Officer of Subsidiary Company — 1,734 $46.42 $80,500
2026-03-13 HAYES KEVIN J General Counsel — 1,694 $46.42 $78,650
2026-03-13 BRADLEY ANDREW A Officer of Subsidiary Company — 1,671 $46.42 $77,604
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
151.70
+40.02%
108.34
+1.80%
106.43
+1.54%
104.81
Operating Revenue
151.70
+40.02%
108.34
+1.80%
106.43
+1.54%
104.81
Selling General And Administration
54.53
+22.94%
44.35
+4.81%
42.32
+14.05%
37.11
Selling And Marketing Expense
—
—
0.61
+104.68%
0.30
General And Administrative Expense
54.53
+22.94%
44.35
+4.81%
42.32
+14.05%
37.11
Salaries And Wages
52.78
+22.94%
42.93
+4.88%
40.93
+13.76%
35.98
Other Gand A
—
—
—
—
Reconciled Depreciation
6.74
+122.12%
3.03
-9.79%
3.36
-11.43%
3.80
Total Unusual Items
-10.72
-424.11%
-2.04
-706.82%
0.34
-19.95%
0.42
Total Unusual Items Excluding Goodwill
-10.72
-424.11%
-2.04
-706.82%
0.34
-19.95%
0.42
Special Income Charges
-10.72
-424.11%
-2.04
-706.82%
0.34
-19.95%
0.42
Other Special Charges
—
—
-0.34
—
Restructuring And Mergern Acquisition
10.72
+424.11%
2.04
0.00
0.00
Net Income
37.05
+16.34%
31.85
+0.50%
31.69
-11.37%
35.75
Pretax Income
46.45
+14.93%
40.42
+1.43%
39.85
-11.35%
44.95
Net Interest Income
121.79
+47.37%
82.64
-6.08%
87.99
+5.60%
83.32
Interest Expense
40.12
+68.20%
23.85
+186.71%
8.32
+129.58%
3.62
Interest Income
161.91
+52.04%
106.50
+10.58%
96.31
+10.77%
86.94
Gain On Sale Of Security
-3.50
-5941.67%
0.06
+101.15%
-5.22
-881.58%
-0.53
Gain On Sale Of Business
—
0.00
0.00
-100.00%
0.42
Tax Provision
9.40
+9.68%
8.57
+5.05%
8.16
-11.28%
9.20
Tax Rate For Calcs
0.00
-4.72%
0.00
+3.41%
0.00
+0.00%
0.00
Tax Effect Of Unusual Items
-2.17
-399.39%
-0.43
-727.55%
0.07
-19.95%
0.09
Net Income Including Noncontrolling Interests
37.05
+16.34%
31.85
+0.50%
31.69
-11.37%
35.75
Net Income From Continuing Operation Net Minority Interest
37.05
+16.34%
31.85
+0.50%
31.69
-11.37%
35.75
Net Income From Continuing And Discontinued Operation
37.05
+16.34%
31.85
+0.50%
31.69
-11.37%
35.75
Net Income Continuous Operations
37.05
+16.34%
31.85
+0.50%
31.69
-11.37%
35.75
Normalized Income
45.60
+36.30%
33.46
+6.48%
31.42
-11.29%
35.42
Net Income Common Stockholders
37.05
+16.34%
31.85
+0.50%
31.69
-11.37%
35.75
Diluted EPS
—
3.73
+0.54%
3.71
-10.60%
4.15
Basic EPS
—
3.75
+0.81%
3.72
-10.36%
4.15
Basic Average Shares
—
8.50
-0.17%
8.52
+0.04%
8.52
Diluted Average Shares
—
8.54
-0.05%
8.54
+0.31%
8.52
Diluted NI Availto Com Stockholders
37.05
+16.34%
31.85
+0.50%
31.69
-11.37%
35.75
Amortization
4.26
+242.20%
1.24
-12.64%
1.42
-4.56%
1.49
Amortization Of Intangibles Income Statement
4.26
+242.20%
1.24
-12.64%
1.42
-4.56%
1.49
Depreciation Amortization Depletion Income Statement
4.26
+242.20%
1.24
-12.64%
1.42
-4.56%
1.49
Depreciation And Amortization In Income Statement
4.26
+242.20%
1.24
-12.64%
1.42
-4.56%
1.49
Insurance And Claims
1.75
+22.88%
1.43
+2.67%
1.39
+23.05%
1.13
Occupancy And Equipment
14.65
+27.61%
11.48
+10.18%
10.42
-2.49%
10.69
Other Non Interest Expense
13.70
+45.41%
9.42
-1.75%
9.59
+7.62%
8.91
Professional Expense And Contract Services Expense
2.66
+24.30%
2.14
-7.76%
2.32
+11.22%
2.09
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
3,228.13
+34.80%
2,394.83
-0.99%
2,418.85
-4.22%
2,525.51
Cash And Cash Equivalents
65.65
+38.90%
47.26
-28.35%
65.96
-60.78%
168.16
Cash Financial
20.61
+26.05%
16.35
-23.74%
21.44
-46.48%
40.07
Other Short Term Investments
3.07
-99.22%
393.98
-12.78%
451.69
-18.40%
553.55
Net PPE
34.80
+23.78%
28.12
-2.70%
28.90
-4.36%
30.21
Gross PPE
64.05
+13.84%
56.26
+0.15%
56.18
+0.85%
55.70
Accumulated Depreciation
-29.25
-3.91%
-28.14
-3.18%
-27.28
-7.03%
-25.49
Land And Improvements
6.81
+25.67%
5.42
+0.00%
5.42
+0.00%
5.42
Buildings And Improvements
36.74
+10.04%
33.39
+0.42%
33.25
+2.26%
32.52
Machinery Furniture Equipment
16.23
+10.27%
14.72
-0.65%
14.81
+1.47%
14.60
Construction In Progress
0.11
+52.70%
0.07
-8.64%
0.08
+912.50%
0.01
Other Properties
4.16
+56.03%
2.66
+1.84%
2.62
-17.30%
3.16
Goodwill And Other Intangible Assets
86.88
+67.01%
52.02
-2.34%
53.27
-2.29%
54.52
Goodwill
64.45
+45.86%
44.19
+0.00%
44.19
+0.00%
44.19
Other Intangible Assets
22.43
+186.23%
7.84
-13.70%
9.08
-12.10%
10.33
Investments And Advances
531.88
+15.54%
460.35
-11.17%
518.22
-16.60%
621.38
Long Term Equity Investment
0.75
-14.37%
0.88
-12.56%
1.00
-11.16%
1.13
Total Liabilities Net Minority Interest
2,808.15
+34.26%
2,091.56
-2.33%
2,141.39
-6.10%
2,280.47
Current Debt And Capital Lease Obligation
45.00
0.00
-100.00%
26.88
0.00
Current Debt
45.00
0.00
-100.00%
26.88
0.00
Other Current Borrowings
45.00
0.00
-100.00%
26.88
0.00
Long Term Debt And Capital Lease Obligation
259.83
+0.67%
258.10
+30.41%
197.91
+719.08%
24.16
Long Term Debt
255.38
+0.02%
255.33
+30.74%
195.29
+829.96%
21.00
Long Term Capital Lease Obligation
4.45
+61.03%
2.76
+5.70%
2.62
-17.30%
3.16
Long Term Provisions
1.83
+31.35%
1.39
-18.91%
1.72
+1768.48%
0.09
Stockholders Equity
419.97
+38.48%
303.27
+9.30%
277.46
+13.23%
245.04
Common Stock Equity
419.97
+38.48%
303.27
+9.30%
277.46
+13.23%
245.04
Capital Stock
27.56
+23.29%
22.36
+0.57%
22.23
+0.66%
22.09
Common Stock
27.56
+23.29%
22.36
+0.57%
22.23
+0.66%
22.09
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
11.03
+23.28%
8.95
+0.55%
8.90
+0.65%
8.84
Ordinary Shares Number
10.37
+21.26%
8.55
+0.50%
8.51
-0.04%
8.52
Treasury Shares Number
0.66
+67.53%
0.39
+1.78%
0.38
+18.87%
0.32
Additional Paid In Capital
179.66
+81.17%
99.16
+1.60%
97.60
+1.65%
96.02
Retained Earnings
257.29
+9.66%
234.62
+9.90%
213.49
+10.12%
193.87
Gains Losses Not Affecting Retained Earnings
-22.17
+46.78%
-41.67
+7.22%
-44.91
+22.59%
-58.01
Treasury Stock
22.37
+99.65%
11.20
+2.27%
10.95
+22.71%
8.93
Other Equity Adjustments
-22.17
+46.78%
-41.67
+7.22%
-44.91
+22.59%
-58.01
Total Equity Gross Minority Interest
419.97
+38.48%
303.27
+9.30%
277.46
+13.23%
245.04
Total Capitalization
675.35
+20.90%
558.61
+18.16%
472.75
+77.70%
266.04
Invested Capital
720.35
+28.95%
558.61
+11.80%
499.63
+87.80%
266.04
Total Debt
304.83
+18.11%
258.10
+14.82%
224.79
+830.34%
24.16
Net Debt
234.73
+12.81%
208.07
+33.19%
156.22
—
Capital Lease Obligations
4.45
+61.03%
2.76
+5.70%
2.62
-17.30%
3.16
Net Tangible Assets
333.09
+32.57%
251.25
+12.07%
224.19
+17.67%
190.53
Tangible Book Value
333.09
+32.57%
251.25
+12.07%
224.19
+17.67%
190.53
Available For Sale Securities
465.17
+50517.08%
0.92
-0.97%
0.93
-46.02%
1.72
Cash Cash Equivalents And Federal Funds Sold
79.89
+37.46%
58.12
-23.16%
75.64
-55.45%
169.79
Held To Maturity Securities
62.89
-2.62%
64.58
-0.03%
64.60
-0.58%
64.98
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
53.64
+34.84%
39.78
-2.02%
40.60
+3.57%
39.20
Cash Flow From Continuing Operating Activities
53.64
+34.84%
39.78
-2.02%
40.60
+3.57%
39.20
Net Income From Continuing Operations
37.05
+16.34%
31.85
+0.50%
31.69
-11.37%
35.75
Depreciation Amortization Depletion
6.74
+122.12%
3.03
-9.79%
3.36
-11.43%
3.80
Depreciation
2.50
+38.89%
1.80
—
—
Amortization Cash Flow
4.26
+254.75%
1.20
—
—
Depreciation And Amortization
6.74
+122.12%
3.03
-9.79%
3.36
-11.43%
3.80
Amortization Of Intangibles
4.26
+254.75%
1.20
—
—
Other Non Cash Items
-4.84
-165.35%
-1.82
+7.83%
-1.98
-293.07%
1.02
Stock Based Compensation
1.41
+11.72%
1.26
+25.80%
1.00
+37.72%
0.73
Operating Gains Losses
-1.76
-387.81%
-0.36
-107.48%
4.83
+1541.49%
-0.34
Gain Loss On Investment Securities
3.50
+5941.67%
-0.06
-101.15%
5.22
+881.58%
0.53
Gain Loss On Sale Of PPE
—
0.00
0.00
-100.00%
0.04
Change In Working Capital
9.12
+32.52%
6.89
+4098.78%
0.16
+104.18%
-3.92
Change In Receivables
0.15
+242.20%
-0.11
+90.64%
-1.17
+16.49%
-1.40
Changes In Account Receivables
0.15
+242.20%
-0.11
+90.64%
-1.17
+16.49%
-1.40
Change In Payables And Accrued Expense
-0.78
-202.77%
0.76
+1.88%
0.74
+1381.03%
-0.06
Change In Payable
-0.78
-202.77%
0.76
+1.88%
0.74
+1381.03%
-0.06
Change In Account Payable
-0.78
-202.77%
0.76
+1.88%
0.74
+1381.03%
-0.06
Change In Other Current Assets
6.41
+19.73%
5.35
+171.84%
-7.45
-73.11%
-4.30
Change In Other Current Liabilities
-0.28
-363.89%
0.11
-98.09%
5.66
+521.87%
0.91
Investing Cash Flow
64.65
+2562.56%
2.43
-84.27%
15.44
+104.65%
-331.72
Cash Flow From Continuing Investing Activities
64.65
+2562.56%
2.43
-84.27%
15.44
+104.65%
-331.72
Net PPE Purchase And Sale
—
0.00
0.00
-100.00%
1.09
Sale Of PPE
—
0.00
0.00
-100.00%
1.09
Capital Expenditure
-1.08
-12.08%
-0.96
+17.81%
-1.17
+35.51%
-1.81
Capital Expenditure Reported
-1.08
-12.08%
-0.96
+17.81%
-1.17
+35.51%
-1.81
Net Investment Purchase And Sale
45.51
-23.86%
59.77
-46.00%
110.69
+146.07%
-240.27
Purchase Of Investment
-182.98
0.00
+100.00%
-48.84
+84.08%
-306.75
Sale Of Investment
228.49
+282.27%
59.77
-62.53%
159.52
+139.98%
66.47
Net Business Purchase And Sale
36.21
0.00
+100.00%
-0.17
+97.64%
-7.38
Purchase Of Business
0.00
0.00
+100.00%
-0.17
+97.77%
-7.80
Gain Loss On Sale Of Business
—
0.00
0.00
+100.00%
-0.42
Net Other Investing Changes
-8.70
-639.46%
-1.18
+72.77%
-4.32
+62.54%
-11.53
Financing Cash Flow
-99.90
-64.03%
-60.91
+61.51%
-158.24
+36.56%
-249.45
Cash Flow From Continuing Financing Activities
-99.90
-64.03%
-60.91
+61.51%
-158.24
+36.56%
-249.45
Net Issuance Payments Of Debt
8.73
-53.94%
18.94
-90.03%
189.93
+2833.56%
-6.95
Issuance Of Debt
0.00
-100.00%
60.00
-65.71%
175.00
+11566.67%
1.50
Repayment Of Debt
-40.19
0.00
0.00
+100.00%
-15.20
Long Term Debt Issuance
0.00
-100.00%
60.00
-65.71%
175.00
+11566.67%
1.50
Long Term Debt Payments
-40.19
0.00
0.00
+100.00%
-15.20
Net Long Term Debt Issuance
-40.19
-166.98%
60.00
-65.71%
175.00
+1377.37%
-13.70
Short Term Debt Issuance
—
—
14.93
+121.09%
6.75
Net Short Term Debt Issuance
48.91
+219.14%
-41.06
-375.03%
14.93
+121.09%
6.75
Net Common Stock Issuance
-10.52
-6112.57%
0.17
+113.40%
-1.31
+78.12%
-5.97
Common Stock Payments
-11.16
-4383.53%
-0.25
+87.72%
-2.03
+69.66%
-6.68
Common Stock Dividend Paid
-14.38
-34.25%
-10.71
-10.42%
-9.70
-6.42%
-9.12
Cash Dividends Paid
-14.38
-34.25%
-10.71
-10.42%
-9.70
-6.42%
-9.12
Repurchase Of Capital Stock
-11.16
-4383.53%
-0.25
+87.72%
-2.03
+69.66%
-6.68
Changes In Cash
18.39
+198.34%
-18.70
+81.71%
-102.20
+81.14%
-541.97
Beginning Cash Position
47.26
-28.35%
65.96
-60.78%
168.16
-76.32%
710.13
End Cash Position
65.65
+38.90%
47.26
-28.35%
65.96
-60.78%
168.16
Free Cash Flow
52.57
+35.41%
38.82
-1.55%
39.43
+5.47%
37.39
Interest Paid Supplemental Data
39.49
+70.96%
23.10
+222.81%
7.16
+94.32%
3.68
Income Tax Paid Supplemental Data
5.33
-19.61%
6.63
-33.92%
10.03
+38.82%
7.22
Common Stock Issuance
0.64
+51.42%
0.42
-41.19%
0.72
+1.12%
0.71
Issuance Of Capital Stock
0.64
+51.42%
0.42
-41.19%
0.72
+1.12%
0.71
Sale Of Business
36.21
0.00
0.00
-100.00%
0.42
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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