ACNB Corporation

ACNB Corporation

ACNBยทNASDAQ

$52.62

-2.0%
Financial ServicesBanks - Regional

ACNB Corporation, a financial holding company, provides 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 include personal residential mortgages, and residential construction and investment mortgage loans. In addition, the company provides other services that are related to testamentary trusts, life insurance trusts, charitable remainder trusts, guardianships, powers of attorney, custodial accounts, and investment management and advisory accounts; and retail brokerage services. Further, it acts as a trustee to invest in, protect, manage, and distribute financial assets. Additionally, the company offers property and casualty, health, life, and disability insurance products to commercial and individual clients; and online, telephone, and mobile banking, as well as automated teller machine services. As of December 31, 2021, it operated through a network of 19 community banking offices located in Pennsylvania, including 12 offices in Adams county, five offices in York county, one office in Cumberland County, and one office in Franklin County; five community banking offices located in Frederick County; six community banking offices located in Carroll county, Maryland; and loan offices located in Lancaster and York, Pennsylvania, and Hunt Valley, Maryland. The company was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.

At a Glance

Live Snapshot
Market Cap$537.36M
EPS3.6100
P/E Ratio14.58
Earnings Date07/23/2026
3Y+57.0%
5Y+62.0%
10Y+220.0%
3Y+4.0%
5Y+101.0%
10Y+241.0%
3Y+37.0%
5Y+111.0%
10Y+343.0%
ACNB Corporation

ACNB Corporation Profit Bridge

ACNB ยท NASDAQ
Revenue170.38M
Cost of Goods Sold (44.85M)
Gross Profit125.53M
Operating Expenses (79.08M)
Operating Income46.45M
Interest Expense (40.12M)
Other Income/Expense0.00
Pretax Income46.45M
Income Tax (9.40M)
Net Income37.05M
Net Income
37.05M

Profitability Analysis

Gross Margin

73.7%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

27.3%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

21.7%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

20.2%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

ACNB Corporation Income Statement

ACNB โ€ข NASDAQ

ACNB Corporation Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
170.4M
132.2M
114.7M
108.4M
100.9M
105.4M
87.7M
80.4M
65.9M
53.3M
51.9M
49.4M
49.3M
52.3M
53.6M
56.8M
57M
57.3M
61.9M
58.2M
GROSS PROFIT
(44.9M)
(21.1M)
(9.2M)
(3.6M)
(7M)
(21.4M)
(10.7M)
(9M)
(5.4M)
(3.9M)
(3.9M)
(3.8M)
(5.4M)
(10.8M)
(12.9M)
(16M)
(18.3M)
(24.5M)
(27.1M)
(24.3M)
125.5M
111.1M
105.6M
104.8M
94M
84M
77M
71.4M
60.5M
49.3M
48M
45.6M
43.9M
41.5M
40.7M
40.8M
38.7M
32.9M
34.9M
33.9M
OPERATING INCOME
(79.1M)
(70.7M)
(65.7M)
(59.9M)
(59M)
(61.3M)
(47.6M)
(44.7M)
(44.1M)
(34.7M)
(33.2M)
(32.3M)
(32M)
(30.3M)
(30M)
(30.3M)
(30.1M)
(25M)
(25M)
(24.7M)
(67.4M)
(44.4M)
(42.3M)
(37.1M)
(38.1M)
(37.2M)
(30.5M)
(28.8M)
(26.5M)
(24M)
(22.7M)
(21.5M)
(20.7M)
(20.4M)
(19.3M)
(19.9M)
(18.8M)
(16.1M)
(14.4M)
(13.6M)
46.5M
40.4M
39.8M
45M
35M
22.7M
29.4M
26.7M
16.4M
14.7M
14.8M
13.4M
11.9M
11.2M
10.7M
10.5M
8.6M
7.8M
9.9M
9.2M
PRE-TAX INCOME
(40.1M)
(23.9M)
(8.3M)
(3.6M)
(6.9M)
(12.2M)
(10.1M)
(7.4M)
(5.4M)
(3.9M)
(3.9M)
(3.6M)
(4M)
(6.1M)
(7.5M)
(9.6M)
(13.6M)
(18.9M)
(26.6M)
(23.4M)
123.1M
82.6M
88M
83.3M
71M
72.8M
59.1M
56.8M
46.1M
36.4M
35.3M
33.7M
33.6M
34.3M
34.4M
35M
32.2M
28.8M
25M
24.8M
(11.6M)
(26.3M)
(23.4M)
(22.8M)
(20.9M)
(24.1M)
(17.1M)
(16M)
(17.6M)
(10.7M)
(10.5M)
(10.8M)
(11.3M)
(9.9M)
(10.7M)
(10.4M)
(11.3M)
(8.9M)
(10.6M)
(11.1M)
46.5M
40.4M
39.8M
45M
35M
22.7M
29.4M
26.7M
16.4M
14.6M
14.8M
13.4M
11.9M
11.2M
10.7M
10.5M
8.6M
7.8M
9.9M
9.2M
NET INCOME
(9.4M)
(8.6M)
(8.2M)
(9.2M)
(7.2M)
(4.3M)
(5.6M)
(5M)
(6.6M)
(3.8M)
(3.8M)
(3.1M)
(2.5M)
(2.3M)
(2.2M)
(2.1M)
(1.4M)
(1.1M)
(1.9M)
(1.9M)
37.1M
31.8M
31.7M
35.8M
27.8M
18.4M
23.7M
21.7M
9.8M
10.9M
11M
10.3M
9.3M
8.9M
8.5M
8.4M
7.2M
6.7M
7.9M
7.3M

SEC Filings

ACNB - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
10-Q

10-Q 2026 Q1

Q1

May 07, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 06, 2026
May 05, 2026
2026
8-K

8-K 2026

N/A

April 29, 2026
April 28, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 23, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 30, 2026
May 05, 2026
2026
8-K

8-K 2026

N/A

March 18, 2026
March 13, 2026
2026
10-K

10-K 2025 FY

FY

March 12, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

March 12, 2026
March 12, 2026
2026
8-K

8-K 2026

N/A

March 02, 2026
February 27, 2026
2026
8-K

8-K 2026

N/A

February 20, 2026
February 19, 2026
2026
Showing 1 to 10 of 505 filings