Acnb Corp
ACNB Corp operates as a commercial bank providing lending and deposit services, generating revenue primarily through interest income and fee-based banking activities.
Business. ACNB Corp is a commercial bank headquartered in the United States that operates within the Banking Services industry. The company generates revenue primarily through interest income, consistent with standard commercial banking activities. ACNB Corp is listed on the Nasdaq stock exchange under the ticker symbol ACNB. Specific details regarding operating segments or geographic breakdowns are not available.
Analyst recommendations
4 analysts · consensus Buy- DividendDividend USD 0.42/sh2026-09-15
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
At a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
0Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Company
- DividendDividend USD 0.42/sh2026-09-15
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
ACNB Corp is a commercial bank headquartered in the United States that operates within the Banking Services industry. The company generates revenue primarily through interest income, consistent with standard commercial banking activities. ACNB Corp is listed on the Nasdaq stock exchange under the ticker symbol ACNB. Specific details regarding operating segments or geographic breakdowns are not available.
ACNB Corp maintains a conservative capital structure with a debt-to-equity ratio of 0.15 and a current liquidity position supported by $93.6 million in cash and equivalents against $63.8 million in short-term debt. The company holds total assets of $3.27 billion, with total liabilities of $2.84 billion and total equity of $425.5 million. Operating cash flow stands at $24.3 million, while free cash flow is $24.0 million, reflecting minimal capital expenditures of $334,000. The low liquidity risk assessment aligns with the strong cash position relative to short-term obligations.
Profitability metrics show a return on equity of 8.71% and a return on assets of 1.13%, with a net income of $13.7 million on revenue of $50.5 million for the latest period. The price-to-earnings ratio is 17.37, and the price-to-book ratio is 1.9, indicating a moderate valuation relative to book value. The enterprise value to revenue multiple is 3.2. These returns are consistent with a stable regional banking model, though specific cohort median comparisons are not provided in the input data to benchmark against sector peers.
- ACNB Corp demonstrates strong liquidity with $93.6 million in cash against $63.8 million in short-term debt.
- The company maintains a conservative debt-to-equity ratio of 0.15, supporting financial stability.
- Profitability is reflected in an ROE of 8.71% and ROA of 1.13%, with a P/E ratio of 17.37.
- Medium dilution risk is flagged, requiring monitoring of potential equity offerings.
- Analyst sentiment is neutral with a mean price target of $59.67 and a mean recommendation of 2.50.
- Key risks include interest rate volatility, regulatory changes, and cybersecurity threats.
Bull / Bear case
Generated · model-assistedThe company maintains a conservative 0.15 debt-to-equity ratio, well below the 0.28 cohort median, reducing financial risk.
ACNB generates strong cash conversion at 1.45, outperforming the 1.14 median, ensuring robust liquidity generation.
Total assets grew 1.0% year-over-year to $2.42 billion, demonstrating stable balance sheet expansion despite revenue headwinds.
Net income remained resilient with only a 0.5% decline, showing effective cost management amidst falling revenues.
The company faces medium dilution risk, which could negatively impact per-share value and existing shareholder equity.
ACNB trades at 1.9x price-to-book, implying limited valuation upside compared to growth potential in the sector.
In focus — financials by report
Revenue $50.5M; Net margin 27.1%.
- ▍Revenue $50.5M
- ▍Net margin 27.1%
Revenue $144.6M; Net margin 18.1%.
- ▍Revenue $144.6M
- ▍Net margin 18.1%
Revenue $93.7M; Net margin 12.1%.
- ▍Revenue $93.7M
- ▍Net margin 12.1%
Revenue $191.8M; Net margin 19.3%.
- ▍Revenue $191.8M
- ▍Net margin 19.3%
Revenue $132.2M; Net margin 24.1%.
- ▍Revenue $132.2M
- ▍Net margin 24.1%
Revenue $132.2M; Net margin 24.1%.
- ▍Revenue $132.2M
- ▍Net margin 24.1%
Revenue $115.1M; Net margin 27.5%.
- ▍Revenue $115.1M
- ▍Net margin 27.5%
Revenue $115.1M; Net margin 27.5%.
- ▍Revenue $115.1M
- ▍Net margin 27.5%
Valuation FY
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 5,40 |
| Revenue | —no estimate | —no estimate | 167,8M USD |
| Operating income | —no estimate | —no estimate | 71,8M USD |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Source documents mention dilution or offering risk.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Actions
Ask Handelsavisen
- Market data
- Regulatory filings
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Reference data
- Price To Tangible Bookmarket_price / (tangible_book_value / shares_outstanding_diluted)
- Price To Bookmarket_price / (adjusted_book_value / shares_outstanding_diluted)
- Return On Equitynet_income / total_equity
- Enterprise Valuemarket_cap - net_cash
- Ev To Revenueenterprise_value / revenue
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- ACNB CORP company facts · 2026-07-26
- ACNB CORP 10-Q 2026-05-07 · 2026-07-26
- ACNB CORP 10-K 2026-03-12 · 2026-07-26
- ACNB CORP 10-Q 2025-11-06 · 2026-07-26
- ACNB CORP 10-Q 2025-08-07 · 2026-07-26
- 8-K (sec_8k_material) on ACNB · 2026-07-26
- ACNB Corp Market data — analyst estimates · 2026-07-26
- ACNB Corp Market data — ESG · 2026-07-26
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,00 %$9M
- Investment Managers · as of 2026-03-310,00 %$16M
- Institutional Investor · as of 2026-03-310,00 %$17M
- Investment Managers · as of 2026-03-310,00 %$12M
- Investment Managers · as of 2026-03-310,00 %$4M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2024-06-300,00 %$18M
- Investment Managers · as of 2025-12-310,00 %$26M
- Investment Managers · as of 2026-03-310,00 %$1M
- Institutional Investor · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$9M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2024-12-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$0M
- Funds · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$0M
- Brokerage Firms · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Brokerage Firms · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
Leadership
- James P. HeltPresident, Chief Executive Officer, Director
Insider activity
- Director · ACNB Corporation CommonOther 182 @ $56,51$10K · 2026-06-15
- Director · ACNB Corporation CommonOther 243 @ $56,51$14K · 2026-06-15
- Director, Vice Chairman of the Board · ACNB Corporation CommonOther 243 @ $56,51$14K · 2026-06-15
- Director · ACNB Corporation CommonOther 4 @ $56,51$250 · 2026-06-15
- Director · ACNB Corporation CommonOther 182 @ $56,51$10K · 2026-06-15
- Director · ACNB Corporation CommonOther 243 @ $56,51$14K · 2026-06-15
- Director · ACNB Corporation CommonOther 243 @ $56,51$14K · 2026-06-15
- Director · ACNB Corporation CommonOther 182 @ $56,51$10K · 2026-06-15
- Director · ACNB Corporation CommonOther 182 @ $56,51$10K · 2026-06-15
- Director, Chairman of the Board · ACNB Corporation CommonOther 243 @ $56,51$14K · 2026-06-15
- Director · ACNB Corporation CommonOther 243 @ $56,51$14K · 2026-06-15
- Director · ACNB Corporation CommonOther 182 @ $56,51$10K · 2026-06-15
- Director · ACNB Corporation CommonOther 222 @ $46,42$10K · 2026-03-13
- ACNB Bank EVP · ACNB Corporation CommonOther 3 239 @ $46,42$150K · 2026-03-13
- ACNB Bank EVP · ACNB Corporation CommonOther 315 @ $46,42$15K · 2026-03-13
- Director · ACNB Corporation CommonOther 222 @ $46,42$10K · 2026-03-13
- Director · ACNB Corporation CommonBought 5 @ $46,42$250 · 2026-03-13
- Director · ACNB Corporation CommonOther 222 @ $46,42$10K · 2026-03-13
- ACNB Bank SVP · ACNB Corporation CommonOther 1 734 @ $46,42$80K · 2026-03-13
- ACNB Bank SVP · ACNB Corporation CommonOther 181 @ $46,42$8K · 2026-03-13
- Director · ACNB Corporation CommonOther 222 @ $46,42$10K · 2026-03-13
- Director · ACNB Corporation CommonOther 222 @ $46,42$10K · 2026-03-13
- Director, Vice Chairman of the Board · ACNB Corporation CommonOther 296 @ $46,42$14K · 2026-03-13
- Director · ACNB Corporation CommonOther 296 @ $46,42$14K · 2026-03-13
- Director · ACNB Corporation CommonOther 296 @ $46,42$14K · 2026-03-13
Short positioning
Geographic breakdown
Intel & risk
Evidence & claims
From filings & derived data- Cash & equivalents (annual): USD 65.65MUnknown
- Interest expense (annual): USD 40.12MUnknown
- Capex (annual): USD 1.08MUnknown
- Operating cash flow (annual): USD 53.64MUnknown
- EPS (basic) (annual): USD-PER-SHARES 4Unknown
- EPS (diluted) (annual): USD-PER-SHARES 4Unknown
- Shareholders' equity (annual): USD 419.97MUnknown
- Revenue (annual): USD 191.82MUnknown
- Total liabilities (annual): USD 2.81BUnknown
- Net income (annual): USD 37.05MUnknown
- Pre-tax income (annual): USD 46.45MUnknown
- Long-term debt (annual): USD 255.38MUnknown
- Shares outstanding (annual): 10.37MUnknown
- Total assets (annual): USD 3.23BUnknown
- Capex (annual): USD 960KUnknown
- Shares outstanding (annual): 8.55MUnknown
- Net income (annual): USD 31.85MUnknown
- Long-term debt (annual): USD 255.33MUnknown
- Shareholders' equity (annual): USD 303.27MUnknown
- Pre-tax income (annual): USD 40.42MUnknown
- Cash & equivalents (annual): USD 47.26MUnknown
- Interest expense (annual): USD 23.85MUnknown
- Revenue (annual): USD 132.19MUnknown
- Total liabilities (annual): USD 2.09BUnknown