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Nasdaq · Financials

ACNB CORP (ACNB)

As-reported financials and SEC filings for ACNB CORP. The latest annual period is FY2025. The latest reported quarter is Q2 FY2026. Financial statements come straight from the company’s EDGAR filings; valuation figures such as P/E and market cap use market data.

About ACNB CORP

ACNB Corporation is a financial holding company based in Gettysburg, Pennsylvania, that operates ACNB Bank and ACNB Insurance Services. ACNB Bank provides community banking services including commercial and consumer lending, mortgage lending, and wealth management through 33 offices in Pennsylvania and Maryland. ACNB Insurance Services offers property, casualty, health, life, and disability insurance to personal and commercial clients across 46 states.

Snapshot

Revenue
$151.7M
Revenue growth (YoY)
40.0%
Net income
$37.1M
Diluted EPS
$3.60
Gross margin
Operating margin
Net margin
24.4%
FCF margin
34.7%
ROE
8.8%
net income / fiscal-year-end equity
P/E
12.1×
trailing when available, otherwise FY EPS
Market cap
$650.7M
Long-term debt / equity
0.61×
non-current term debt only

Fundamentals are from SEC filings for FY2025, the latest annual period (ended December 31, 2025). P/E and market cap are derived from stored market prices, last retrieved on a rolling basis and typically within the past week.

What changed at Acnb

  • Revenue grew 40.0% to $152M in FY2025, faster than the 1.5% the year before.
  • Most recent quarter Q2 FY2026: revenue $43M, up 7.9% from Q2 FY2025.
  • Free cash flow was $53M in FY2025, 34.7% of revenue.
  • Net income rose 16.3% to $37M in FY2025.

Computed from the as-reported figures in the statements below. A change we cannot state from filed figures is left out rather than estimated.

Peer comparison

Where Acnb’s fundamentals sit among the 76 banks. Each figure is ranked only against peers that report it, from lowest (left) to highest (right).

Net margin24.4%
32nd percentile of 76
FCF margin34.7%
72nd percentile of 58
Revenue growth (YoY)+40.0%
85th percentile of 76
ROE8.8%
27th percentile of 76
P/E12.1×
47th percentile of 75
Long-term debt / equity0.61×
73rd percentile of 38
Short interest6.61d
73rd percentile of 75

Acnb’s revenue growth of +40.0% ranks in the 85th percentile of the 76 banks reporting it.

No reported insider purchases (code P) in the last 90 days; 1 insider sale totaling $96,525. For context, about 15% of companies in the universe saw any reported insider purchase (code P) in the same window. Browse insider activity →

Percentiles describe where a figure sits among industry peers reporting it (100th = highest). They are position within a peer group, not a rating, and not investment advice. Short interest ranking uses days to cover from FINRA Consolidated Short Interest data; FINRA is the owner and source of that data, included at no additional charge.

Institutional ownership

Held by 6 quant / multi-strat books among the superinvestors we track; no conviction manager currently reports a position.

Conviction investors
0
+6 quant / multi-strat
Initiated / added
4
0 new, 4 added
Reduced / exited
2
2 trimmed, 0 exited
Combined position
$14.0M
reported long value
InvestorAs ofPosition valueSharesChange
Two Sigma InvestmentsquantQ2 2026$5.9M98.8KAdded
Citadel AdvisorsquantQ2 2026$2.5M42.9KReduced
AQR Capital ManagementquantQ2 2026$2.3M37.9KAdded
Millennium ManagementquantQ2 2026$1.5M24.5KAdded
Renaissance TechnologiesquantQ2 2026$1.4M24.4KReduced
D. E. ShawquantQ2 2026$437,6907.4KAdded

From quarterly Form 13F filings, which can be up to 45 days delayed. Long US-listed positions only: excludes short positions, options, cash, bonds, and non-US holdings, so this is not a manager’s complete portfolio. Counts are of the investors we track, not all institutions. Not investment advice.

Recent insider activity

Non-derivative buys and sells (codes P/S) reported by officers, directors and 10% owners on SEC Form 4.

Buys (90d)
0
code P
Bought (90d)
code P value
Sells (90d)
1
$97K
Reported activity
Net selling
by $ value, 90d
Trade dateInsiderTypeSharesPriceValue
2026-08-07
Seibel Donald Arthur JrDirectorSell1.5K$64.35$97K

Reported non-derivative purchases and sales (codes P/S) — which may be open-market or private; excludes option exercises, grants, and shares withheld for taxes. Dates shown are the trade date; a Form 4 can be filed days to years later. A sale can be routine (e.g. a pre-set 10b5-1 plan), so read individual transactions in context. From SEC Form 4. Not investment advice.

Short interest

Total shares sold short as of each twice-monthly FINRA settlement. Rising short interest means more investors are positioned against the stock; days to cover estimates how many trading days of average volume that position represents.

Shares short
335.3K
settled 2026-08-14
Change vs prior
+12.3%
vs previous settlement
Days to cover
6.61
at avg daily volume
Avg daily volume
50.7K
FINRA reported
SettlementShares shortChangeDays to cover
2026-08-14335.3K+12.3%6.61
2026-07-31298.6K+12.4%3.60
2026-07-15265.5K+12.8%4.38
2026-06-30235.4K+58.0%2.30
2026-06-15149.0K+13.8%2.73
2026-05-29130.9K+2.1%2.76
2026-05-15128.3K-2.6%2.89
2026-04-30131.7K-4.3%1.45

Source: FINRA Consolidated Short Interest. FINRA is the owner and source of the FINRA-supplied data, which is included at no additional charge for your own personal or professional use; republishing or redistributing it is not permitted. Settlement dates are shown; FINRA publishes each settlement about nine business days later, so the latest figure can be two to four weeks old. Not presented as a percentage of float. No FINRA endorsement of this product is implied. Not investment advice.

Bank fundamentals

Regulatory detail for ACNB Bank (Gettysburg, PA), the insured-bank subsidiary, from its FDIC Call Report as of Q1 2026. This is what actually moves bank stocks: deposit franchise, capital, and credit quality that a standard income statement can’t show.

Total deposits
$2.5B
FDIC insured-bank
Uninsured deposits
22.0%
share of deposits
CET1 ratio
14.64%
regulatory capital
Net interest margin
4.48%
trailing
Efficiency ratio
52.1%
lower is better
Noncurrent loans
0.41%
of gross loans

Source: FDIC BankFind (Call Report). Bank-subsidiary figures, filed quarterly ~30 days after quarter-end.

Income statement (as reported)

 FY2025FY2024FY2023FY2022FY2021
Revenue$151.7M$108.3M$106.8M$105.2M$94.0M
Gross profit
Operating income
Net income$37.1M$31.8M$31.7M$35.8M$27.8M
Diluted EPS$3.60$3.73$3.71$4.15

Figures as reported to the SEC. Underlined values link to the filing they came from; dotted values are calculated by us from reported figures; “adj” means restated for a stock split (hover to see the figure as filed). Full details: where the numbers come from.

Balance sheet (as reported)

 FY2025FY2024FY2023FY2022FY2021
Cash and equivalents$65.6M$47.3M$66.0M$168.2M$710.1M
Current assets
Total assets$3.23B$2.39B$2.42B$2.53B$2.79B
Current liabilities
Long-term debt$255.4M$255.3M$195.3M$21.0M$34.7M
Total liabilities$2.81B$2.09B$2.14B$2.28B$2.51B
Total equity$420.0M$303.3M$277.5M$245.0M$272.1M

Figures as reported to the SEC. Underlined values link to the filing they came from; dotted values are calculated by us from reported figures; “adj” means restated for a stock split (hover to see the figure as filed). Full details: where the numbers come from.

Cash flow (as reported)

 FY2025FY2024FY2023FY2022FY2021
Operating cash flow$53.6M$39.8M$40.6M$39.2M$42.1M
Capital expenditure$1.1M$960,000$1.2M$1.8M$1.6M
Free cash flow$52.6M$38.8M$39.4M$37.4M$40.5M

Figures as reported to the SEC. Underlined values link to the filing they came from; dotted values are calculated by us from reported figures; “adj” means restated for a stock split (hover to see the figure as filed). Full details: where the numbers come from.

Quarterly trend (as reported)

QuarterRevenueRevenue YoYNet incomeDiluted EPS
Q2 FY2026$42.8M7.9%$15.2M$1.49
Q1 FY2026$40.8M19.0%$13.7M$1.32
Q4 FY2025$37.2M38.1%$10.8M$1.04
Q3 FY2025$40.5M46.0%$14.9M$1.42
Q2 FY2025$39.7M44.9%$11.6M$1.11
Q1 FY2025$34.3M30.5%$-272,000$-0.03
Q4 FY2024$26.9M19.8%$6.6M$0.77
Q3 FY2024$27.8M-1.0%$7.2M$0.84

Latest 8 reported quarters, from company XBRL filings on SEC EDGAR.

Company facts

ExchangeNasdaq
SectorFinancials
SIC industryState Commercial Banks
Latest annual periodFY2025 (ended December 31, 2025)
Latest reported quarterQ2 FY2026 (ended June 30, 2026)
Oldest indexed filing2017
SEC CIK715579

Selected SEC filings

10-Q2026-08-06
View on EDGAR →
10-Q2026-05-07
View on EDGAR →
8-K2026-07-29
View on EDGAR →
8-K2026-07-23
View on EDGAR →
8-K2026-05-06
View on EDGAR →
8-K2026-04-29
View on EDGAR →

Largest bank peers

All bank stocksAll Financials companies →

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Data sourced from SEC EDGAR. Figures are as-reported and may be unaudited or restated; verify against the source filing before relying on them. Informational only. Not investment advice.