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Home CompaniesACNB Corporation

ACNB Corporation

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
65.54 USD 0.05 ( 0.08%)
Last update at 2026-11-06T21:00:00Z
VOLUME
40544
Market Cap
664.50M
P/E
12.26

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
64.64
Low
66.00
High
52 Week Price Range
40.90
Low
67.60
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

ACNB Corporation is a Pennsylvania bank holding company offering commercial and consumer lending, deposit, mortgage and wealth-management services through a regional branch network. Long-term growth may be driven by loan and deposit balance expansion, fee income from mortgage and wealth businesses, and selective local acquisitions, which could appeal to investors seeking regional bank exposure.

Principal risks are interest-rate and margin volatility, concentrated regional exposure that can worsen local downturns, competition for deposits and loans, and regulatory and credit-cycle exposure.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
65.49
Dividend Yield
2.34%
Revenue TTM
160.98M
Revenue Per Share
15.59
Gross Profit TTM
160.98M
Debt / Equity
0.78
ROE
13.34%
Net Debt
308.41M
ROCE
1.47%
Diluted EPS TTM
5.33

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 46.45M 40.42M 39.85M 44.95M 35.02M
Net income 37.05M 31.85M 31.69M 35.75M 27.83M
Selling general administrative 67.43M 44.35M 42.32M 37.11M 38.49M
Selling and marketing expenses - - 0.61M 0.30M 0.29M
Gross profit 125.53M 111.10M 105.58M 0.42M 93.93M
Reconciled depreciation 6.74M 3.03M 3.36M 3.80M 3.44M
Ebit 46.45M 40.42M 39.85M 48.58M 35.02M
Ebitda 53.19M 43.45M 43.21M 52.37M 38.46M
Depreciation and amortization 6.74M 3.03M 3.36M 3.80M 3.44M
Operating income 46.45M 40.42M 39.85M 48.58M 35.02M
Other operating expenses 123.93M 91.78M 74.90M 0.30M -58.91M
Interest expense 40.12M 23.85M 8.32M 3.62M 6.92M
Tax provision 9.40M 8.57M 8.16M 9.20M 7.18M
Interest income 161.91M 106.50M 96.31M 87.05M 78.16M
Net interest income 121.79M 82.64M 87.99M 83.42M 71.24M
Income tax expense 9.40M 8.57M 8.16M 9.20M 7.18M
Total revenue 170.38M 132.19M 114.75M 0.42M 93.93M
Total operating expenses 79.08M 70.69M 65.73M 0.30M -58.91M
Cost of revenue 44.85M 21.09M 9.16M - -
Total other income expense net -10.72M -2.04M 39.85M -3.62M -6.92M
Net income from continuing ops 37.05M 31.85M 31.69M 35.75M 27.83M
Net income applicable to common shares - - - 35.75M 27.83M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 3228.13M 2394.83M 2425.73M 2525.51M 2786.99M
Intangible assets 22.43M 7.84M 9.08M 10.33M 6.10M
Other current assets 65.94M - 66.42M 3.52M 3.29M
Total liab 2808.15M 2091.56M 2148.27M 2280.47M 37.97M
Total stockholder equity 419.97M 303.27M 277.46M 245.04M 272.11M
Other current liab 1663.28M 1792.50M 1474.77M 2198.97M 2426.39M
Common stock 27.56M 22.36M 22.23M 22.09M 21.98M
Capital stock 27.56M 22.36M 22.23M 22.09M 21.98M
Retained earnings 257.29M 234.62M 213.49M 193.87M 167.24M
Other liab - - - 15.37M 18.58M
Good will 64.45M 44.19M 44.19M 44.19M 42.11M
Other assets 3162.18M 1904.36M 0.00M 1097.68M 1109.88M
Cash 20.61M 47.26M 65.96M 168.16M 710.13M
Total current liabilities 64.74M 1808.33M 1612.48M 45.12M 38.47M
Net debt 308.41M 226.66M 188.83M -144.00M -672.16M
Short term debt 64.74M 15.83M 137.71M 45.12M 38.47M
Short long term debt 45.00M 15.83M 26.88M - -
Short long term debt total 329.02M 273.92M 254.79M 24.16M 37.97M
Other stockholder equity 157.29M 87.96M 86.65M 87.09M 92.44M
Property plant equipment - - - 3.39M 1.09M
Total current assets 20.61M 64.85M 66.42M 721.72M 1147.23M
Long term investments 531.88M 460.35M 518.22M 553.55M 437.10M
Net tangible assets - - - 190.53M 272.11M
Short term investments 3.07M 17.59M 451.69M 553.55M 437.10M
Long term debt 255.38M 255.33M 195.29M 21.00M 34.70M
Inventory - - - 0.47M -
Accounts payable - - - 2198.97M 2426.39M
Accumulated other comprehensive income -22.17M -41.67M -44.91M -58.01M -9.54M
Common stock total equity - - - 22.09M 21.98M
Retained earnings total equity - - - 193.87M 167.24M
Treasury stock - - - -8.93M -2.25M
Non currrent assets other 159.64M 141.02M 2198.99M -706.11M -529.87M
Non current assets total 3207.51M 2329.98M 2359.30M 706.11M 529.87M
Capital lease obligations 4.45M 2.76M 2.62M 3.16M 3.27M
Long term debt total - - - 21.00M 34.70M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 45.51M 2.43M 15.44M -312.03M 61.05M
Change to liabilities - - - 0.85M 4.64M
Total cashflows from investing activities 64.65M 2.43M 15.44M -331.72M 60.52M
Net borrowings 8.73M 18.94M 189.93M -6.95M -22.31M
Total cash from financing activities -99.90M -60.91M -158.24M -249.45M 208.13M
Change to operating activities - - - -3.45M 0.32M
Net income 37.05M 31.85M 31.69M 35.75M 27.83M
Change in cash 18.39M -18.70M -102.20M -541.97M 310.78M
Begin period cash flow 47.26M 65.96M 168.16M 710.13M 399.35M
End period cash flow 65.65M 47.26M 65.96M 168.16M 710.13M
Total cash from operating activities 53.64M 39.78M 40.60M 39.20M 42.13M
Issuance of capital stock 0.64M 0.42M 0.72M 0.71M 0.06M
Depreciation 7.93M 3.03M 3.36M 3.80M 3.44M
Other cashflows from investing activities 18.39M -56.38M -93.91M -17.88M 1.05M
Dividends paid 14.38M 10.71M 9.70M -9.12M -8.97M
Change to account receivables 0.15M -0.11M -1.17M -1.40M 1.43M
Sale purchase of stock -11.16M -0.25M -2.03M -6.68M -1.52M
Other cashflows from financing activities -83.73M -69.31M -337.16M -219.16M 252.60M
Change to netincome - - - 2.23M 8.02M
Capital expenditures 1.08M 0.96M 1.17M 1.81M 1.58M
Change receivables - - - -1.40M 1.43M
Cash flows other operating - - - -4.19M -4.86M
Cash and cash equivalents changes - - - -541.97M 310.78M
Change in working capital 9.12M 6.89M 0.16M -3.92M 1.98M
Stock based compensation 1.41M 1.26M 1.00M 0.73M 0.36M
Other non cash items -5.50M -3.25M 4.38M 1.92M 10.64M
Free cash flow 52.57M 38.82M 39.43M 37.39M 40.55M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
ACNB
ACNB Corporation		 0.05
0.08%		 65.54 12.26 9.75 4.13 1.56 6.01
DBSDY
DBS Group Holdings Ltd ADR		 -6.82
3.06%		 215.88 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.66 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.02
0.06%		 34.57 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.81
0.94%		 85.79 11.53 10.27 5.72 1.83 8.22

Profile*

ACNB Corporation

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.

16 Lincoln Square, Gettysburg, PA, United States, 17325

717 334 3161

https://www.acnb.com

501

Name Title Year Born
Mr. James P. Helt Pres, CEO & Director 1967
Ms. Lynda L. Glass Exec. VP, Sec. & Chief Governance Officer 1961
Mr. Jason H. Weber C.F.A., CPA, CFA, FRM Exec. VP, CFO & Treasurer NA
Mr. James P. Helt President, CEO & Director 1967
Mr. Douglas A. Seibel Executive VP and Chief Lending & Revenue Officer of ACNB Bank 1961
Mr. Jason H. Weber C.F.A., CPA, FRM Executive VP, CFO & Treasurer 1975
Mr. Kevin J. Hayes Esq. Senior VP, General Counsel, Secretary & Chief Governance Officer NA
Mr. Mark E. Blacksten Executive Vice President of Maryland Market President NA
Mr. Brett D. Fulk Executive VP & Chief Strategy Officer 1969
Emily E. Berwager Senior VP & Human Resources Manager NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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