Latest revenue
$1.1M
as of 2026-03-31
Latest net income
$13.7M
as of 2026-03-31
Net margin
1279.5%
as of 2026-03-31
ActaClear Score
Computed from 5 years of SEC fundamentals + latest market data, ranked within State Commercial Banks (212 peers). 10 = best in industry, 5 = median, 0 = worst. Refreshed Jun 7, 2026.
Fair value · DCF
DCF: 10-year forecast of free cash flow, discounted at the company's WACC, with a Gordon-growth terminal at year 10. FCF is proxied by last fiscal-year net income (proper FCF needs CFO − CapEx by year, which we don't store yet). Drag the slider to test your own growth thesis — the dominant assumption in any DCF is what comes next, not what the math does with it. Beta defaults to 1.0 when not reported.
Community sentiment
Where do you think ACNB is heading?
Price · 5Y
Live market
delayed ≤15 min- Market cap
- $563.8M
- Enterprise value
- $817.4M
- P/E (trailing)
- 15.2×
- Forward P/E
- —
- P/B
- 1.33×
- Dividend yield
- 3.7%
- 52-wk high
- $55.66
- 52-wk low
- $40.15
- Beta
- —
- Shares out
- 10.2M
5-year trend
What this company does
ACNB Corporation runs a community bank across Pennsylvania and Maryland, with 33 branches offering commercial and consumer lending, wealth management, mortgages, and insurance through ACNB Insurance Services. The company earns most of its money from net interest income on its $2.3 billion loan book, supplemented by insurance commissions, mortgage gains, and deposit service fees. First-quarter 2026 net income jumped to $13.7 million from a small loss a year earlier, as the 2025 Traditions Bancorp acquisition fully integrated and merger costs disappeared.
Generated from ACNB's filing dated 2024-03-14
Key risks
- Securities portfolio underwater: AOCI loss of $23.5M and HTM book value $63.2M vs. fair value $56.2M signal unrealized rate-related losses.
- CRE/loan concentration: $2.35B loan book on $3.27B assets with only $23.6M allowance (1.0% coverage) leaves thin cushion if credit deteriorates.
- Goodwill and intangibles total $85.8M (20% of $425M equity), largely from Traditions acquisition, exposing book value to impairment risk.
Generated from ACNB's filing dated 2024-03-14
Profitability
Net margin
19.3%
19.8%Return on equity
8.8%
16.0%Return on assets
35.0%
2532.5%Leverage
Debt / equity
-0.75×
110.8%Long-term debt / equity
0.61×
27.8%Debt / assets
-296.8%
439.8%Earnings tracker
| Quarter | Revenue | YoY | Net income | YoY | Net margin |
|---|---|---|---|---|---|
Q1 2026 2026-03-31 | $1.1M | +16.4% | $13.7M | +5137.9% | 1279.5% |
Q4 2025 2025-12-31 | $187.2M | +45.8% | $11.1M | +68.0% | 5.9% |
Q3 2025 2025-09-30 | $2.2M | +24.6% | $14.9M | +106.4% | 679.0% |
Q2 2025 2025-06-30 | $1.5M | +20.7% | $11.4M | +0.9% | 751.4% |
Q1 2025 2025-03-31 | $920.0K | +20.9% | $-272.0K | -104.0% | -29.6% |
Q4 2024 2024-12-31 | $128.4M | — | $6.6M | — | 5.1% |
Q3 2024 2024-09-30 | $1.8M | +10.2% | $7.2M | -20.3% | 410.0% |
Q2 2024 2024-06-30 | $1.3M | +23.2% | $11.3M | +18.4% | 899.4% |
Year-over-year change vs the same fiscal quarter one year prior. Revenue + net income sourced from SEC 10-Q / 10-K filings — no analyst-consensus dependency.
Industry trend
State Commercial Banks · SIC 6022
Your notes
Keep private notes on ACNB — thesis, target price, catalysts to watch.
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Insider activity
Insider buying
$28.1K
Insider selling
$510.5K
Net activity
−$482.4K
Distinct insiders
6
Open-market trades over the last 365 days.
Recent transactions
Source: SEC Form 4 filings. Officers, directors, and 10%+ owners must disclose share transactions within two business days. RSU grants and tax-withholding rows are excluded by default — compensation activity is not a trading signal.
Who owns ACNB
Institutional value
$86.6M
Total shares held
1.8M
Distinct holders
53
-43 vs prior
As of
2026-03-31
Prior: 2025-12-31
Filers with $100M+ AUM disclose holdings 45 days after quarter end.
Top institutional holders
| # | Manager | Shares | Value | QoQ change | Action |
|---|---|---|---|---|---|
| 1 | BlackRock, Inc. | 622.6K | $29.8M | +13.9K (+2.3%) | Added |
| 2 | VANGUARD CAPITAL MANAGEMENT LLC | 427.7K | $20.5M | — | New |
| 3 | DIMENSIONAL FUND ADVISORS LP | 334.8K | $16.0M | +14.8K (+4.6%) | Added |
| 4 | VANGUARD FIDUCIARY TRUST CO | 67.4K | $3.2M | — | New |
| 5 | VANGUARD PORTFOLIO MANAGEMENT LLC | 58.2K | $2.8M | — | New |
| 6 | Bank of New York Mellon Corp | 37.3K | $1.8M | +2.8K (+8.3%) | Added |
| 7 | STIFEL FINANCIAL CORP | 27.8K | $1.3M | — | New |
| 8 | Fisher Asset Management, LLC | 26.3K | $1.3M | — | New |
| 9 | Kestra Advisory Services, LLC | 24.2K | $1.2M | -525 (-2.1%) | Trimmed |
| 10 | COMMONWEALTH EQUITY SERVICES, LLC | 14.8K | $707.2K | -410 (-2.7%) | Trimmed |
| 11 | Invesco Ltd. | 13.7K | $655.1K | -991 (-6.8%) | Trimmed |
| 12 | RKL Wealth Management LLC | 13.4K | $641.7K | +3.3K (+32.7%) | Added |
| 13 | Nuveen, LLC | 13.1K | $629.1K | -1.5K (-10.4%) | Trimmed |
| 14 | RHUMBLINE ADVISERS | 12.8K | $613.0K | +359 (+2.9%) | Added |
| 15 | Pinnacle Wealth Planning Services, Inc. | 11.4K | $543.9K | +0 (+0.0%) | No change |
| 16 | JANE STREET GROUP, LLC | 11.0K | $527.1K | +760 (+7.4%) | Added |
| 17 | EQUITABLE TRUST CO | 9.5K | $453.3K | +210 (+2.3%) | Added |
| 18 | LPL Financial LLC | 9.0K | $428.9K | -432 (-4.6%) | Trimmed |
| 19 | Wealthspire Advisors, LLC | 7.6K | $364.6K | — | New |
| 20 | Greenspring Advisors, LLC | 7.0K | $336.1K | +0 (+0.0%) | No change |
Source: SEC Form 13F-HR. Positions aggregated across sub-managers within each firm. Options (puts/calls) excluded — common stock only.
Top questions investors are asking
- 1
Net interest margin clearly expanded post-Traditions, but with long-term borrowings down $40M and deposit costs creeping, what's your exit NIM trajectory into Q2?
- 2
You released $76K in credit reserves while the ACL/loans ratio slipped to ~1.00%; what specific CRE or construction migration justifies that against peers building reserves?
- 3
AOCI loss widened to $23.5M with $63M still in HTM at a $7M fair-value gap—what's the tangible book impact if rates back up 50bps?
Refreshed when ACNB files a new report · last from 2024-03-14
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