Zacks Investment Research·Jun 24, 2026
Why ACNB (ACNB) is a Top Dividend Stock for Your PortfolioDividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does ACNB (ACNB) have what it takes?
ACNB Corporation(ACNB)Earnings, Financials & Key Ratios
ACNB•NASDAQ•Banking & Credit
$59.24
16.5× P/E·Price updated Jul 7, 2026
AboutACNB 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.Show more
- Net Interest Income$123M+48.9%
- Total Revenue$170M+28.9%
- Net Income$37M+16.3%
- Return on Equity10.25%-6.6%
- Net Interest Margin3.81%+10.5%
- Efficiency Ratio46.41%-13.2%
- ROA1.32%-0.4%
- Equity / Assets13.01%+2.7%
- Book Value per Share40.81+14.9%
ACNB Price & Volume
ACNB Corporation (ACNB) stock price & volume — 10-year historical chart
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Operational Efficiency Gains Drive ACNB Earnings Recovery
Investment Thesis • Updated 2026Q1
VerdictPositive
Growth:Accelerating
Profitability:Strong
Financial:Healthy
Cash Flow:Robust
Primary Risk:Regional agricultural credit concentration
Key Thesis Takeaways
- ACNB Corporation has demonstrated a significant turnaround, evidenced by a 21.6% year-over-year growth in net interest income as of 2026Q1 and a marked improvement in operational efficiency.
- The bank's strategic pivot toward de-risking its balance sheet, highlighted by the reduction of the investment securities portfolio from $2.9 billion in 2025Q3 to $534.8 million in 2026Q1, suggests a more conservative approach to interest rate volatility.
- While the insurance segment provides a valuable 16.4% fee income buffer, investors should monitor the inherent risks associated with the bank's regional agricultural and commercial real estate concentrations.
Verdict Logic
the bank's forward P/E of 11.19 and the successful transition to a $0 provision expense in 2026Q1 suggest that the firm is well-positioned for sustainable earnings growth.
ACNB Growth Metrics
ACNB Corporation (ACNB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years12.63%
5 Years10.09%
3 Years16.26%
TTM-
Profit CAGR
10 Years12.89%
5 Years15.03%
3 Years1.2%
TTM105.7%
EPS CAGR
10 Years7%
5 Years11.07%
3 Years-4.63%
TTM68.49%
Return on Capital
10 Years8.84%
5 Years9.1%
3 Years6.69%
Last Year2.48%
ACNB Recent Earnings
ACNB Corporation (ACNB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (55%)●Beat Revenue 9/12 qtrs (82%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$1.32+4.8%
$1.26
Rev
$40M+1.1%
$40M
Q2 2026
Mar 12, 2026Metric
Actual
Est
EPS
$1.04
—
Rev
$46M
—
Q1 2026
Jan 22, 2026Metric
Actual
Est
EPS
$1.35+7.1%
$1.26
Rev
$41M+2.6%
$40M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$1.42+18.3%
$1.20
Rev
$51M+29.8%
$39M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $1.32vs $1.26+4.8% | $40Mvs $40M+1.1% |
| Q2 2026 | Mar 12, 2026 | $1.04 | $46M |
| Q1 2026 | Jan 22, 2026 | $1.35vs $1.26+7.1% | $41Mvs $40M+2.6% |
| Q4 2025 | Oct 23, 2025 | $1.42vs $1.20+18.3% | $51Mvs $39M+29.8% |
Based on last 12 quarters of dataView full earnings history →
Latest ACNB News
Recent stock market news and headlines for ACNB Corporation (ACNB)
Peers Comparison
Key metrics vs top competitors for ACNB Corporation (ACNB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $59.24 | $604.96M | 16.46 | 28.89% | 21.75% | 10.25% | 2.36% | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $43.96 | $283.4M | 11.66 | 6.6% | 20.89% | 12.7% | — | |
| $36.20 | $230.54M | 14.54 | 7.88% | 20.41% | 9.76% | — | |
| $29.30 | $264.9M | 14.95 | 27.11% | 18.05% | 11.51% | — | |
| $24.06 | $171.21M | 13.67 | -1.44% | 12.96% | 7.98% | — |
Compare ACNB vs Peers
ACNB Corporation (ACNB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
ACNB SEC Filings & Documents
ACNB Corporation (ACNB) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
May 6, 2026·SEC
Material company update
Apr 29, 2026·SEC
Material company update
Apr 23, 2026·SEC
10-K Annual Reports
210-Q Quarterly Reports
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ACNB Frequently Asked Questions
ACNB Corporation (ACNB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is ACNB Corporation growing?
ACNB Corporation (ACNB) grew revenue by 28.9% over the past year. This is strong growth.
Is ACNB profitable?
Yes, ACNB Corporation (ACNB) is profitable, generating $51.0M in net income for fiscal year 2025 (21.7% net margin).
Dividend & Returns
Does ACNB pay dividends?
Yes, ACNB Corporation (ACNB) pays a dividend with a yield of 2.36%. This makes it attractive for income-focused investors.
What is ACNB's return on equity?
ACNB Corporation (ACNB) has a return on equity (ROE) of 10.2%. This is reasonable for most industries.
Industry Metrics
What is ACNB Corporation's net interest margin?
ACNB Corporation (ACNB) has a net interest margin (NIM) of 3.8%. This indicates healthy earnings from lending activities.
What is ACNB Corporation's efficiency ratio?
ACNB Corporation (ACNB) has an efficiency ratio of 46.4%. This is excellent, indicating strong cost control.