ACNB ACNB Corporation - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 6, 2026
$63.78
· of 52w range
· above low
· to high
$42.5252w low
$67.6052w high
Market Cap (MRQ)
$649M
P/E (TTM)
12.0
EPS (TTM)
$5.33
Revenue (TTM)
$201M
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52W Range
$43–$68
Analyst Rating
BUY
Price Target
$68
P/E
12.0
ROE
13.3%
Net Profit Margin
27.1%
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ACNB Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$63.78
Market Cap (MRQ)
$649M
P/E (TTM)
12.0
EPS (TTM)
$5.33
Revenue (TTM)
$201M
Div Yield
2.2%
ROE (TTM)
13.3%
Debt/Equity (MRQ)
0.3
52W Range
$43–$68
ACNB Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| Nov. 28, 2007 | 21-for-20 | Forward |
| Nov. 29, 2006 | 21-for-20 | Forward |
| Jan. 3, 1995 | 2-for-1 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
Revenue$192M2023-12-31 → 2025-12-31
EPS$3.602023-12-31 → 2025-12-31
Free Cash Flow$53M2023-12-31 → 2025-12-31
Net margin27.1%2023-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | ACNB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E (TTM) | 12.0 | · | 11.3 | Fair value | |
| P/S (TTM) | 3.2 | · | 3.0 | Overvalued | |
| P/B (MRQ) | 1.5 | · | 1.4 | Overvalued | |
| EV / EBITDA | 97.7 | · | · | · | |
| Price / FCF (TTM) | 11.7 | · | · | · | |
| Price / Cash Flow (TTM) | 11.4 | · | 9.3 | Fair value | |
| EV / Revenue | 3.4 | · | · | · | |
| EV / FCF | 12.5 | · | · | · | |
| Price / Tangible Book (MRQ) | 1.6 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | ACNB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 3.5% | · | 1.6% | Top tier | |
| Pretax Margin (TTM) | 34.1% | · | 34.5% | Top tier | |
| Net Profit Margin (TTM) | 27.1% | · | 29.0% | In line | |
| ROA (TTM) | 1.7% | · | 1.3% | In line | |
| ROE (TTM) | 13.3% | · | 9.9% | Weak |
Financial Health Debt, liquidity, solvency — balance sheet strength
| Metric | 5Y trend | ACNB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Debt / Equity (MRQ) | 0.3 | · | · | · |
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | ACNB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 45.1% | · | · | · | |
| Revenue CAGR 3Y | 20.8% | · | · | · | |
| EPS YoY | -3.5% | · | · | · | |
| Net Income YoY | 16.3% | · | · | · | |
| EPS CAGR 3Y | -4.6% | · | · | · | |
| Net Income CAGR 3Y | 1.2% | · | · | · | |
| Net Income CAGR 5Y | 15.0% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | ACNB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.1 | · | 0.0 | Top tier | |
| Revenue / Employee | ≈$382.9K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield2.2%
Payout Ratio38.8%
Annualized Payout≈$1.68
5Y Div CAGR≈6.3%
Growth Streak≈8
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Sep 1, 2026 | $0.42 | USD | ≈3.3% |
| Jun 1, 2026 | $0.92 | USD | ≈3.8% |
| Feb 27, 2026 | $0.38 | USD | ≈2.9% |
| Dec 1, 2025 | $0.38 | USD | ≈2.9% |
| Aug 29, 2025 | $0.34 | USD | ≈2.9% |
| May 30, 2025 | $0.34 | USD | ≈3.1% |
| Feb 28, 2025 | $0.32 | USD | ≈3.1% |
| Nov 29, 2024 | $0.32 | USD | ≈2.7% |
| Aug 30, 2024 | $0.32 | USD | ≈3.0% |
| May 31, 2024 | $0.32 | USD | ≈3.8% |
| Feb 29, 2024 | $0.30 | USD | ≈3.3% |
| Nov 30, 2023 | $0.30 | USD | ≈2.9% |
| Aug 31, 2023 | $0.28 | USD | ≈3.5% |
| May 31, 2023 | $0.28 | USD | ≈3.7% |
| Feb 28, 2023 | $0.28 | USD | ≈2.9% |
| Nov 30, 2022 | $0.28 | USD | ≈2.7% |
| Aug 31, 2022 | $0.26 | USD | ≈2.9% |
| May 31, 2022 | $0.26 | USD | ≈3.0% |
| Feb 28, 2022 | $0.26 | USD | ≈3.2% |
| Nov 30, 2021 | $0.26 | USD | ≈3.5% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
3.9%
Next Report
Oct 21, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 22, 2026 | $1.49 | $1.40 | 6.2% |
| March 31, 2026 | $1.29 | $1.27 | 1.2% | |
| Dec. 31, 2025 | $1.32 | $1.25 | 5.2% | |
| Sept. 30, 2025 | $1.45 | $1.20 | 20.5% | |
| June 30, 2025 | $1.29 | $1.18 | 9.7% | |
| March 31, 2025 | $0.76 | $0.95 | -19.7% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | $192M | $132M | $115M | $109M | |
| Interest Expense | $40M | $24M | $8M | $4M | |
| Interest Income | $163M | $107M | $97M | $87M | |
| Pretax Income | $46M | $40M | $40M | $45M | |
| Income Tax | $9M | $9M | $8M | · | |
| Net Income | $37M | $32M | $32M | $36M | |
| EPS (Basic) | $3.61 | $3.75 | $3.72 | $4.15 | |
| EPS (Diluted) | $3.60 | $3.73 | $3.71 | $4.15 | |
| Shares (Basic) | 10,259,179 | 8,503,473 | 8,507,803 | 8,623,012 | |
| Shares (Diluted) | 10,290,148 | 8,536,965 | 8,536,125 | 8,623,012 | |
| EBITDA | $7M | $3M | · | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Cash & Equivalents | $66M | $47M | $66M | $168M | |
| PP&E (Net) | $31M | $25M | $26M | $27M | |
| PP&E (Gross) | $60M | $54M | $54M | $53M | |
| Accum. Depreciation | $29M | $28M | $27M | $25M | |
| Goodwill | $64M | $44M | $44M | $44M | |
| Intangibles | $22M | $8M | $9M | $10M | |
| Total Assets | $3.23B | $2.39B | $2.42B | $2.53B | |
| Short-term Debt | $65M | $16M | $57M | $42M | |
| Total Liabilities | $2.81B | $2.09B | $2.14B | $2.28B | |
| Long-term Debt | $255M | $255M | $195M | $21M | |
| Total Debt | $65M | $16M | $57M | $42M | |
| Common Stock | $28M | $22M | $22M | $22M | |
| Retained Earnings | $257M | $235M | $213M | $194M | |
| Treasury Stock | $22M | $11M | $11M | $9M | |
| AOCI | $-22M | $-42M | $-45M | $-58M | |
| Stockholders' Equity | $420M | $303M | $277M | $245M | |
| Liabilities + Equity | $3.23B | $2.39B | $2.42B | $2.53B | |
| Shares Outstanding | 10,372,251 | 8,553,785 | 8,511,453 | 8,515,120 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| D&A | $7M | $3M | $3M | $4M | |
| Deferred Tax | $4M | $779.0K | $2M | $924.0K | |
| Amort. of Intangibles | $4M | $1M | $1M | $1M | |
| Other Non-cash | $6M | $4M | · | · | |
| Operating Cash Flow | $54M | $40M | $41M | $39M | |
| CapEx | $1M | $960.0K | $1M | $2M | |
| Investing Cash Flow | $65M | $2M | $15M | $-332M | |
| Debt Issued | $0 | $60M | $175M | $2M | |
| Net Debt Issued | $-40M | $60M | $175M | $-14M | |
| Stock Issued | $642.0K | $424.0K | $721.0K | $713.0K | |
| Stock Repurchased | $11M | $249.0K | $2M | $7M | |
| Net Stock Activity | $-11M | $175.0K | $-1M | $-6M | |
| Dividends Paid | $14M | $11M | $10M | $9M | |
| Financing Cash Flow | $-100M | $-61M | $-158M | $-249M | |
| Net Change in Cash | $18M | $-19M | $-102M | $-542M | |
| Free Cash Flow | $53M | $39M | $39M | $37M | |
| Levered FCF | $21M | · | · | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Net Margin | 19.3% | 24.1% | 29.7% | 34.0% | |
| Pretax Margin | 24.2% | 30.6% | 37.3% | 42.7% | |
| EBITDA Margin | 3.5% | 2.3% | · | · | |
| ROA | 1.3% | 1.3% | 1.3% | 1.4% | |
| ROE | 9.1% | 10.4% | 11.9% | 15.0% |
Liquidity & Solvency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Debt / Equity | 0.2 | 0.1 | 0.2 | 0.2 |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Asset Turnover | 0.1 | 0.1 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Book Value / Share | $40.49 | $35.45 | $32.60 | $28.78 | |
| Revenue / Share | $18.64 | $15.48 | $12.51 | · | |
| Cash Flow / Share | $5.21 | $4.66 | $4.76 | · | |
| Cash / Share | $6.33 | $5.53 | $7.75 | $19.75 | |
| Dividend / Share | $1.38 | $1.26 | $1.14 | $1.06 | |
| EPS (TTM) | $3.60 | $3.73 | $3.71 | $4.15 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue YoY | 45.1% | 14.9% | 5.7% | · | |
| Revenue CAGR 3Y | 20.8% | · | · | · | |
| EPS YoY | -3.5% | 0.54% | -10.6% | · | |
| EPS CAGR 3Y | -4.6% | · | · | · | |
| Net Income YoY | 16.3% | 0.50% | -11.4% | 28.4% | |
| Net Income CAGR 3Y | 1.2% | 4.6% | 19.9% | · | |
| Net Income CAGR 5Y | 15.0% | · | · | · | |
| Dividends Paid CAGR 5Y | 10.6% | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue TTM | $192M | $132M | $115M | $109M | |
| Net Income TTM | $37M | $32M | $32M | $36M | |
| Market Cap | $501M | $341M | $381M | $339M | |
| Enterprise Value | $501M | $309M | $372M | $213M | |
| P/E | 13.4 | 10.7 | 12.1 | 9.6 | |
| P/S | 2.6 | 2.6 | 3.3 | 3.1 | |
| P/B | 1.2 | 1.1 | 1.4 | 1.4 | |
| P / Tangible Book | 1.5 | 1.4 | 1.7 | 1.8 | |
| P / Cash Flow | 9.3 | 8.6 | 9.4 | 8.6 | |
| P / FCF | 9.5 | 8.8 | 9.7 | 9.1 | |
| EV / EBITDA | 74.3 | 102.0 | · | · | |
| EV / FCF | 9.5 | 8.0 | 9.4 | 5.7 | |
| EV / Revenue | 2.6 | 2.3 | 3.2 | 2.0 | |
| Dividend Yield | 2.9% | 3.1% | 2.5% | 2.7% | |
| Earnings Yield | 7.4% | 9.4% | 8.3% | 10.4% | |
| Payout Ratio | 38.8% | 33.6% | 30.6% | 25.5% | |
| Annual Payout | $14M | $11M | $10M | $9M |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $53M | $51M | $47M | $51M | $50M | $43M | $33M | $34M | $33M | $32M | |
| Interest Expense | $10M | $10M | $10M | $10M | $11M | $9M | $6M | $6M | $6M | $5M | |
| Interest Income | $44M | $42M | $43M | $42M | $42M | $36M | $27M | $27M | $27M | $26M | |
| Pretax Income | $19M | $17M | $13M | $19M | $15M | $-549.0K | $8M | $9M | $14M | $9M | |
| Net Income | $15M | $14M | $11M | $15M | $12M | $-272.0K | $7M | $7M | $11M | $7M | |
| EPS (Basic) | $1.50 | $1.32 | $1.10 | $1.43 | $1.11 | $-0.03 | $0.78 | $0.85 | $1.32 | $0.80 | |
| EPS (Diluted) | $1.49 | $1.32 | $1.10 | $1.42 | $1.11 | $-0.03 | $0.77 | $0.84 | $1.32 | $0.80 | |
| Shares (Basic) | 10,170,860 | 10,348,531 | · | 10,419,581 | 10,451,469 | 9,806,299 | · | 8,507,140 | 8,502,268 | 8,493,104 | |
| Shares (Diluted) | 10,212,225 | 10,366,230 | · | 10,455,461 | 10,487,519 | 9,823,475 | · | 8,545,578 | 8,540,706 | 8,511,648 | |
| EBITDA | $2M | $2M | · | $2M | $2M | $1M | · | · | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $82M | $94M | $66M | $102M | $103M | $124M | $47M | $58M | $86M | $53M | |
| PP&E (Net) | $28M | $30M | $31M | $31M | $32M | $32M | $25M | $26M | $26M | $26M | |
| PP&E (Gross) | · | · | $60M | · | · | · | $54M | · | · | · | |
| Accum. Depreciation | · | · | $29M | · | · | · | $28M | · | · | · | |
| Goodwill | $64M | $64M | $64M | $64M | $64M | $64M | $44M | $44M | $44M | $44M | |
| Intangibles | $20M | $21M | $22M | $24M | $25M | $26M | $8M | $8M | $8M | $9M | |
| Total Assets | $3.32B | $3.27B | $3.23B | $3.25B | $3.26B | $3.27B | $2.39B | $2.42B | $2.46B | $2.41B | |
| Short-term Debt | $108M | $64M | $65M | $80M | $43M | $44M | $16M | $38M | $49M | $17M | |
| Total Liabilities | $2.90B | $2.84B | $2.81B | $2.84B | $2.86B | $2.88B | $2.09B | $2.11B | $2.17B | $2.13B | |
| Long-term Debt | $215M | $215M | $255M | $255M | $255M | $255M | $255M | $255M | $255M | $255M | |
| Total Debt | $108M | $64M | · | $80M | $43M | $44M | · | $38M | $49M | $17M | |
| Common Stock | $28M | $28M | $28M | $28M | $28M | $28M | $22M | $22M | $22M | $22M | |
| Retained Earnings | $273M | $267M | $257M | $250M | $239M | $231M | $235M | $231M | $226M | $218M | |
| Treasury Stock | $35M | $26M | $22M | $20M | $17M | $14M | $11M | $11M | $11M | $11M | |
| AOCI | $-23M | $-23M | $-22M | $-29M | $-33M | $-35M | $-42M | $-34M | $-46M | $-47M | |
| Stockholders' Equity | $423M | $425M | $420M | $409M | $395M | $387M | $303M | $307M | $289M | $280M | |
| Liabilities + Equity | $3.32B | $3.27B | $3.23B | $3.25B | $3.26B | $3.27B | $2.39B | $2.42B | $2.46B | $2.41B | |
| Shares Outstanding | 10,169,930 | 10,338,190 | 10,372,251 | 10,423,015 | 10,478,149 | 10,543,671 | 8,553,785 | 8,548,625 | 8,545,629 | 8,539,575 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $2M | $2M | $2M | $2M | $2M | $1M | $765.0K | $744.0K | $758.0K | $766.0K | |
| Deferred Tax | $206.0K | $-65.0K | $-3M | $1M | $5M | $798.0K | $5M | $-3M | $-568.0K | $-222.0K | |
| Amort. of Intangibles | $1M | $1M | $1M | $1M | $1M | $857.0K | $304.0K | $304.0K | $315.0K | $321.0K | |
| Other Non-cash | · | $9M | · | · | · | $-2M | · | · | · | · | |
| Operating Cash Flow | $-3M | $24M | $13M | $23M | $18M | $-1M | $6M | $14M | $10M | $11M | |
| CapEx | $516.0K | $334.0K | $172.0K | $430.0K | $-185.0K | $659.0K | $373.0K | $222.0K | $287.0K | $78.0K | |
| Investing Cash Flow | $-44M | $-23M | $-12M | $3M | $-15M | $90M | $7M | $19M | $-9M | $-15M | |
| Debt Issued | $-538.0K | $15M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $60M | |
| Net Debt Issued | · | $-40M | · | · | · | $-40M | · | · | · | $60M | |
| Stock Issued | $630.0K | $-251.0K | $315.0K | $292.0K | $284.0K | $-249.0K | $235.0K | $237.0K | $186.0K | $-234.0K | |
| Stock Repurchased | $9M | $4M | $2M | $3M | $3M | $3M | $0 | $102.0K | $0 | $147.0K | |
| Net Stock Activity | · | $-4M | · | · | · | $-3M | · | · | · | $-381.0K | |
| Dividends Paid | $9M | $4M | $4M | $4M | $4M | $3M | $3M | $3M | $3M | $3M | |
| Financing Cash Flow | $36M | $27M | $-37M | $-27M | $-23M | $-13M | $-23M | $-61M | $33M | $-9M | |
| Net Change in Cash | $-12M | $28M | $-36M | $-970.0K | $-20M | $76M | $-11M | $-28M | $33M | $-13M | |
| Free Cash Flow | · | $24M | · | · | · | $-730.0K | · | · | · | $11M |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 29.0% | 27.1% | · | 29.2% | 23.2% | -0.63% | · | 26.1% | 41.2% | 25.8% | |
| Pretax Margin | 36.7% | 34.2% | · | 37.2% | 29.7% | -1.3% | · | 34.0% | 52.0% | 32.5% | |
| EBITDA Margin | 3.0% | 3.3% | · | 3.5% | 3.5% | 3.3% | · | · | · | · | |
| ROA | 0.46% | 0.42% | · | 0.52% | 0.41% | -0.01% | · | 0.30% | 0.47% | 0.28% | |
| ROE | 3.7% | 3.4% | · | 4.2% | 3.4% | -0.08% | · | 2.6% | 4.1% | 2.5% |
Liquidity & Solvency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.3 | 0.1 | · | 0.2 | 0.1 | 0.1 | · | 0.1 | 0.2 | 0.1 |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $41.62 | $41.16 | · | $39.21 | $37.71 | $36.69 | · | $35.88 | $33.86 | $32.78 | |
| Revenue / Share | $5.14 | $4.87 | · | $4.87 | $4.79 | $4.43 | · | $3.24 | $3.21 | $3.09 | |
| Cash Flow / Share | · | $2.35 | · | · | · | $-0.01 | · | · | · | $1.27 | |
| Cash / Share | $8.05 | $9.06 | · | $9.80 | $9.84 | $11.72 | · | $6.80 | $10.10 | $6.22 | |
| Dividend / Share | $0.92 | $0.38 | $0.38 | $0.34 | $0.34 | $0.32 | $0.32 | $0.32 | $0.32 | $0.30 | |
| EPS (TTM) | $5.33 | $4.95 | · | $3.27 | $2.69 | $2.90 | · | $3.43 | $3.65 | $3.45 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $201M | $199M | · | $178M | $161M | $144M | · | · | · | · | |
| Net Income TTM | $55M | $51M | · | $33M | $25M | $25M | · | $29M | $31M | $29M | |
| Market Cap | $604M | $495M | · | $459M | $449M | $434M | · | $373M | $310M | $321M | |
| Enterprise Value | $630M | $465M | · | $437M | $389M | $355M | · | $353M | $273M | $285M | |
| P/E | 11.1 | 9.7 | · | 13.5 | 15.9 | 14.2 | · | 12.7 | 9.9 | 10.9 | |
| P/S | 3.0 | 2.5 | · | 2.6 | 2.8 | 3.0 | · | · | · | · | |
| P/B | 1.4 | 1.2 | · | 1.1 | 1.1 | 1.1 | · | 1.2 | 1.1 | 1.1 | |
| P / Tangible Book | 1.8 | 1.5 | · | 1.4 | 1.5 | 1.5 | · | 1.5 | 1.3 | 1.4 | |
| P / Cash Flow | · | 20.3 | · | · | · | -6112.4 | · | · | · | 29.7 | |
| EV / Revenue | 3.1 | 2.3 | · | 2.5 | 2.4 | 2.5 | · | · | · | · | |
| Dividend Yield | 3.4% | 3.0% | · | 2.9% | 2.8% | 2.7% | · | 2.8% | 3.3% | 3.1% | |
| Earnings Yield | 9.0% | 10.3% | · | 7.4% | 6.3% | 7.0% | · | 7.8% | 10.1% | 9.2% | |
| Payout Ratio | · | 28.7% | · | · | · | -1240.4% | · | · | · | 37.6% | |
| Annual Payout | $21M | $15M | · | $13M | $12M | $12M | · | $11M | $10M | $10M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Revenue | $192M | · | · | $132M | · |
| Net Income | $37M | · | · | $32M | · |
| Diluted EPS | $3.60 | · | · | $3.73 | · |
| Metric | 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Debt / Equity | 0.2 | · | · | 0.1 | · |
| Metric | 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Free Cash Flow | $53M | · | · | $39M | · |
Institutional owners (13F) 121 filers · $271.5M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
121
Value held
$271.5M
New positions
19
Exited positions
8
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 19 (-2 vs prior Q) | 8 (0 vs prior Q) | 51 (+11 vs prior Q) | 21 (-2 vs prior Q) | +33K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $41,870,620 | 705,130 | 15.42% | Shares |
| VANGUARD GROUP INC | $26,315,164 | 544,264 | 9.69% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $25,827,450 | 434,952 | 9.51% | Shares |
| Private Capital Management, LLC | $21,456,191 | 361,337 | 7.90% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $21,001,184 | 353,663 | 7.74% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $16,141,277 | 271,775 | 5.95% | Shares |
| AMERICAN CENTURY COMPANIES INC | $15,636,476 | 263,329 | 5.76% | Shares |
| STATE STREET CORP | $13,405,332 | 225,755 | 4.94% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $9,608,753 | 161,818 | 3.54% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $6,324,623 | 106,511 | 2.33% | Shares |
| TWO SIGMA INVESTMENTS, LP | $5,868,050 | 98,822 | 2.16% | Shares |
| NORTHERN TRUST CORP | $5,819,062 | 97,997 | 2.14% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $4,084,631 | 68,788 | 1.50% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $3,994,314 | 67,267 | 1.47% | Shares |
| MALTESE CAPITAL MANAGEMENT LLC | $3,859,700 | 65,000 | 1.42% | Shares |
| Empowered Funds, LLC | $3,819,262 | 64,319 | 1.41% | Shares |
| CITADEL ADVISORS LLC | $2,549,005 | 42,927 | 0.94% | Shares |
| Bank of New York Mellon Corp | $2,461,152 | 41,447 | 0.91% | Shares |
| GOLDMAN SACHS GROUP INC | $2,437,549 | 41,050 | 0.90% | Shares |
| MORGAN STANLEY | $2,366,112 | 39,846 | 0.87% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $2,253,115 | 37,944 | 0.83% | Shares |
| Fisher Asset Management, LLC | $1,855,625 | 31,250 | 0.68% | Shares |
| BANK OF AMERICA CORP /DE/ | $1,846,955 | 31,104 | 0.68% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $1,779,262 | 29,964 | 0.66% | Shares |
| MILLENNIUM MANAGEMENT LLC | $1,455,523 | 24,512 | 0.54% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,446,259 | 24,356 | 0.53% | Shares |
| Kestra Advisory Services, LLC | $1,445,332 | 24,340 | 0.53% | Shares |
| WOLVERINE TRADING, LLC | $1,092,500 | 25,000 | 0.40% | Put option |
| Quantinno Capital Management LP | $1,027,512 | 17,304 | 0.38% | Shares |
| XTX Topco Ltd | $985,174 | 16,591 | 0.36% | Shares |
| Nuveen, LLC | $899,963 | 15,156 | 0.33% | Shares |
| COMMONWEALTH EQUITY SERVICES, LLC | $871,552 | 14,678 | 0.32% | Shares |
| Qube Research & Technologies Ltd | $868,492 | 14,626 | 0.32% | Shares |
| RKL Wealth Management LLC | $798,141 | 13,441 | 0.29% | Shares |
| RHUMBLINE ADVISERS | $793,666 | 13,366 | 0.29% | Shares |
| EQUITABLE TRUST CO | $783,222 | 13,190 | 0.29% | Shares |
| Van Hulzen Asset Management, LLC | $772,119 | 13,003 | 0.28% | Shares |
| Mariner, LLC | $720,582 | 12,135 | 0.27% | Shares |
| CAPTRUST FINANCIAL ADVISORS | $703,100 | 11,841 | 0.26% | Shares |
| Pinnacle Wealth Planning Services, Inc. | $674,735 | 11,363 | 0.25% | Shares |
| Invesco Ltd. | $669,272 | 11,271 | 0.25% | Shares |
| DEUTSCHE BANK AG\ | $592,969 | 9,986 | 0.22% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $570,048 | 9,600 | 0.21% | Put option |
| WELLS FARGO & COMPANY/MN | $535,391 | 9,016 | 0.20% | Shares |
| LPL Financial LLC | $529,076 | 8,910 | 0.19% | Shares |
| Quadrature Capital Ltd | $475,574 | 8,009 | 0.18% | Shares |
| SUSQUEHANNA FUNDAMENTAL INVESTMENTS, LLC | $460,848 | 7,761 | 0.17% | Shares |
| Wealthspire Advisors, LLC | $452,298 | 7,617 | 0.17% | Shares |
| D. E. Shaw & Co., Inc. | $437,690 | 7,371 | 0.16% | Shares |
| Greenspring Advisors, LLC | $416,967 | 7,022 | 0.15% | Shares |
Company insiders 41 insiders · 6 officers · 26 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| James Helt | President & CEO | March 13, 2026 F | 46,712 | 0 | 0 | $0 |
| Jason H Weber | EVP, Treasurer & CFO | March 13, 2026 F | 11,207 | 0 | 0 | $0 |
| David W Cathell | EVP, Treasurer & CFO | March 15, 2022 A | 19,214 | 0 | 0 | $0 |
| Kevin J Hayes | SVP/Secretary & Gen. Counsel | March 13, 2026 F | 4,134 | 0 | 1 | $-38,475 |
| Lynda L Glass | EVP, Secretary & CGO | March 15, 2023 F | 12,296 | 0 | 0 | $0 |
| Ronald L Hankey | Chairman of the Board | May 28, 2008 P | 22,610 | 0 | 0 | $0 |
| John M. Polli | Director | Sept. 15, 2026 A | 36,344 | 0 | 0 | $0 |
| Elizabeth F. Carson | Director | Sept. 15, 2026 A | 13,309 | 0 | 0 | $0 |
| Eugene J. Draganosky | Director | Sept. 15, 2026 A | 13,674 | 0 | 0 | $0 |
| Alexandra C Chiaruttini | Director | Sept. 15, 2026 A | 3,452 | 0 | 0 | $0 |
| Kimberly S Chaney | Director | Sept. 15, 2026 A | 4,236 | 0 | 0 | $0 |
| Donald Arthur Seibel Jr | Director | Sept. 15, 2026 A | 5,525 | 0 | 2 | $-351,525 |
| Todd L Herring | Director | Sept. 15, 2026 A | 11,327 | 0 | 0 | $0 |
| Donna M Newell | Director | Sept. 15, 2026 A | 12,909 | 0 | 0 | $0 |
| James J Lott | Director | Sept. 15, 2026 A | 19,396 | 0 | 0 | $0 |
| Alan J Stock | Director | Sept. 15, 2026 A | 88,639 | 0 | 0 | $0 |
| Frank Elsner III | Director | Sept. 15, 2026 P | 29,071 | 3 | 0 | $756 |
| Scott L Kelley | Director | March 13, 2026 A | 28,000 | 1 | 0 | $15,840 |
| Daniel W Potts | Director | March 13, 2026 A | 10,044 | 0 | 0 | $0 |
| David L Sites | Director | Dec. 15, 2022 A | 39,175 | 0 | 0 | $0 |
| James Eugene Williams | Director | March 15, 2022 A | 12,803 | 0 | 0 | $0 |
| Marian B Schultz | Director | March 15, 2022 A | 6,235 | 0 | 0 | $0 |
| Thomas A Ritter | Director | March 15, 2021 A | 12,733 | 0 | 0 | $0 |
| Richard Lee Alloway II | Director | March 13, 2020 A | 3,692 | 0 | 0 | $0 |
| Emmett J Patterson | Director | March 13, 2020 A | 4,059 | 0 | 0 | $0 |
| Robert Wayne Miller | Director | March 15, 2017 P | 7,288 | 0 | 0 | $0 |
| Harry L Wheeler | Director | March 13, 2015 P | 11,104 | 0 | 0 | $0 |
| Jennifer L Weaver | Director | Nov. 25, 2008 P | 2,500 | 0 | 0 | $0 |
| Philip P Asper | Director | May 19, 2006 P | 5,334 | 0 | 0 | $0 |
| Edgar S Heberlig | Director | March 8, 2004 P | 30,861 | 0 | 0 | $0 |
| Andrew A Bradley | · | March 13, 2026 F | 2,696 | 0 | 0 | $0 |
| Emily E Berwager | · | March 13, 2026 F | 6,026 | 0 | 0 | $0 |
| Douglas A Seibel | · | March 13, 2026 F | 22,060 | 0 | 0 | $0 |
| Laurie A Laub | · | March 13, 2026 F | 17,693 | 0 | 0 | $0 |
| FULK BRETT D | · | March 13, 2026 F | 3,972 | 0 | 2 | $-217,046 |
| Tom N Rasmussen | · | March 15, 2023 F | 12,072 | 0 | 0 | $0 |
| Thomas R Stone | · | March 15, 2023 F | 9,754 | 0 | 0 | $0 |
| Wayne E Lau | · | May 7, 2009 | · | 0 | 0 | $0 |
| Frank C Russell Jr | · | June 12, 2007 S | 0 | 0 | 0 | $0 |
| Richard D Guise | · | June 17, 2005 P | 8,748 | 0 | 0 | $0 |
| John W Kritchten | · | May 19, 2005 S | 0 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 20 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.16% | 35,261 SH | Sept. 11, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.04% | 8,909 SH | Aug. 19, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.03% | 1,091 SH | Oct. 2, 2026 | Daily |
| IWM · iShares Trust | 0.02% | 272,025 SH | Sept. 11, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.02% | 59,098 SH | Aug. 19, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.02% | 42,942 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 33,562 NS | July 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.01% | 5,900 SH | Oct. 2, 2026 | Daily |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 119,133 SH | Aug. 19, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.01% | 10,862 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 1,244 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 13,048 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 788 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 3,295 SH | Sept. 11, 2026 | Daily |
| DFAU · Dimensional ETF Trust | 0.00% | 2,146 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 3,070 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 8 NS | July 31, 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 305,396 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 781 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 101,525 SH | Sept. 11, 2026 | Daily |
ACNB Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 10 analysts
BUY
Median target
$67.00
+5.0%
2 20.0%
Strong Buy
5 50.0%
Buy
3 30.0%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
3 analysts · 2026-09-30Mean target $67.67 +6.1%
← Below all targets
Current price $63.78
Low$65.00
Mean$67.67
High$71.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
No open signal right now — no card is filled, and that's honest.
My Metrics Your personal watchlist — selected rows from Full Fundamentals
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Source: SEC 10-Q filed Aug 6, 2026