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ACNB

ACNB

ACNB Corp is a regional financial services holding company that provides a range of banking, insurance, and wealth management services.

Market cap
$659.29M+48.2%
Revenue$198.9M+44.0%
Net income$51.0M+106%
Free cash flow$78.6M+201%
EPS (diluted)$4.89+68.6%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$43.0M
EPS estimate$1.46

Financials

Q1 2026

Income statement

See full
Revenue$50.5M+16.2%
Net income$13.7M+5,138%
EPS (diluted)$1.32+4,500%

Balance sheet

See full
Cash & equivalents$93.6M-24.2%
Total debt$323.6M-16.0%
Total equity$425.5M+10.0%
Total assets$3.3B0.0%

Cash flow

See full
Operating cash flow$24.3M+1,903%
CapEx$334.0K-49.3%
Free cash flow$24.0M+1,295%

Valuation & ratios

Valuation

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Market cap$659.29M+48.2%
Enterprise value$889.22M+21.4%
P/E12.9×-5.0×
P/S3.3×+0.5×

Profitability

See full
Net margin25.7%+7.7pp
FCF margin39.5%+20.6pp

Returns & leverage

See full
Return on equity12.6%+5.1pp
Debt / equity0.8×-0.2×

Segments

By product

See full
Service charges on deposits$1.2M+12.9%
Gain from mortgage loans held for sale$1.2M+43.4%
Wealth management$1.2M+9.4%
ATM debit card charges$906.0K+9.0%

Competitors

Profile

ACNB Corp is a regional financial services holding company that provides a range of banking, insurance, and wealth management services. The company focuses on community-based banking, leveraging strategic acquisitions to expand its footprint and loan portfolio across its core markets. Its value proposition centers on localized decision-making combined with a comprehensive suite of financial products for individuals and businesses.

Competitive position

ACNB maintains a strong community-focused competitive position, recently strengthened by the strategic acquisition of regional peers to increase market share in the Mid-Atlantic region.

GeographiesUnited States, Pennsylvania, Maryland
Customer segmentsRetail, SME, Commercial
Business modelInterest Spread, Fee-based Services, Brokerage
SuppliersFederal Reserve System, Depositors, Financial Technology Providers, Credit Rating Agencies
CustomersHomeowners, Local Small Businesses, Real Estate Developers, Insurance Policyholders
Listed1995
Employees413.0
CEOJames Helt
Websiteacnb.com
FilingsSEC EDGAR

Questions, answered.

What is ACNB's market cap?
ACNB (ACNB) has a market capitalization of $659.3M and trades on NASDAQ.
What is ACNB's revenue and profitability?
ACNB generated $198.9M in trailing twelve-month revenue with net income of $51.0M, representing a net margin of 25.7%, with free cash flow of $78.6M. These figures are based on the Q1 2026 filing.
Who are ACNB's competitors?
ACNB's key competitors include Fulton Financial Corporation, M&T Bank Corporation, PNC Financial Services Group, Inc., and others. These companies compete in similar markets and product categories.
Who does ACNB partner with?
ACNB's notable partners include Crowe LLP.
What subsidiaries does ACNB have?
ACNB's subsidiaries include Traditions Bancorp, Inc., ACNB Bank, ACNB Insurance Services.
Where is ACNB headquartered?
ACNB is headquartered in United States of America and employs approximately 413 people. It has been publicly traded since 1995.