ACNB Corporation logo

ACNB Corporation

ACNB

NASDAQFinancial ServicesBanks - Regional

Latest quote

$64.7764

+$0.3264 · +0.51%

Aug 24, 10:31 AM ETData delayed

ACNB company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

92

Deep Value

Momentum

58

Neutral

Sentiment

71

Bullish

Risk resilience

74

Moderate Risk

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Company profile

Company website

ACNB Corporation operates as a financial holding company, offering a comprehensive suite of banking, insurance, and financial services to a diverse clientele including individuals, businesses, and government entities across the United States. Its banking segment provides a range of deposit products such as checking, savings, money market, and time accounts, along with debit cards. The company is also a significant lender, furnishing commercial products like mortgages, real estate development and construction financing, accounts receivable and inventory loans, and agricultural and governmental funding. For individual consumers, it supplies home equity loans and lines of credit, automotive and recreational vehicle loans, manufactured housing loans, and personal lines of credit. Mortgage programs encompass personal residential, construction, and investment properties. Beyond traditional banking, ACNB delivers extensive wealth management and trust services, acting as a trustee to oversee, manage, and distribute financial assets for testamentary, life insurance, and charitable remainder trusts, as well as guardianships, powers of attorney, custodial accounts, and investment advisory and management services. Retail brokerage is also available. Additionally, the corporation offers various insurance products, including property and casualty, health, life, and disability coverage for both commercial and individual clients. Customers benefit from convenient access through online, telephone, and mobile banking, alongside automated teller machine services. Established in 1857 and based in Gettysburg, Pennsylvania, ACNB's physical network as of December 31, 2021, comprised 19 community banking branches across Adams, York, Cumberland, and Franklin counties in Pennsylvania; five community banking offices in Frederick County, Maryland; and six in Carroll County, Maryland. Loan offices further extend its reach in Lancaster and York, Pennsylvania, and Hunt Valley, Maryland.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
James Helt
Listed since
Apr 4, 1994
Employees
519

Market position

Volume
14.86K
0.21× average
Average volume
69.23K
Average daily volume
Market cap
661.5M USD
Beta
0.86
Market reference 1

Financials

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends104%74%44%14%Gross margin, FY2021: 93.10%Gross margin, FY2022: 96.66%Gross margin, FY2023: 92.01%Gross margin, FY2024: 84.05%Gross margin, FY2025: 73.68%Operating margin, FY2021: 34.69%Operating margin, FY2022: 41.45%Operating margin, FY2023: 34.73%Operating margin, FY2024: 30.58%Operating margin, FY2025: 27.26%Net margin, FY2021: 27.58%Net margin, FY2022: 32.97%Net margin, FY2023: 27.62%Net margin, FY2024: 24.09%Net margin, FY2025: 21.75%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 93.10%. Gross margin FY2022 96.66%. Gross margin FY2023 92.01%. Gross margin FY2024 84.05%. Gross margin FY2025 73.68%. Operating margin FY2021 34.69%. Operating margin FY2022 41.45%. Operating margin FY2023 34.73%. Operating margin FY2024 30.58%. Operating margin FY2025 27.26%. Net margin FY2021 27.58%. Net margin FY2022 32.97%. Net margin FY2023 27.62%. Net margin FY2024 24.09%. Net margin FY2025 21.75%.

Income trends

Revenue

170.39M USD+28.89%

Operating income

46.45M USD+14.93%

Net income

37.05M USD+16.34%
Income trends across reported periods184.64M USD127.62M USD70.6M USD13.58M USDRevenue, FY2021: 100.94M USDRevenue, FY2022: 108.44M USDRevenue, FY2023: 114.75M USDRevenue, FY2024: 132.2M USDRevenue, FY2025: 170.39M USDOperating income, FY2021: 35.02M USDOperating income, FY2022: 44.95M USDOperating income, FY2023: 39.85M USDOperating income, FY2024: 40.42M USDOperating income, FY2025: 46.45M USDNet income, FY2021: 27.83M USDNet income, FY2022: 35.75M USDNet income, FY2023: 31.69M USDNet income, FY2024: 31.85M USDNet income, FY2025: 37.05M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 100.94M USD. Revenue FY2022 108.44M USD. Revenue FY2023 114.75M USD. Revenue FY2024 132.2M USD. Revenue FY2025 170.39M USD. Operating income FY2021 35.02M USD. Operating income FY2022 44.95M USD. Operating income FY2023 39.85M USD. Operating income FY2024 40.42M USD. Operating income FY2025 46.45M USD. Net income FY2021 27.83M USD. Net income FY2022 35.75M USD. Net income FY2023 31.69M USD. Net income FY2024 31.85M USD. Net income FY2025 37.05M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue170.39M USD132.2M USD114.75M USD108.44M USD100.94M USD
Cost of goods sold44.85M USD21.09M USD9.16M USD3.62M USD6.97M USD
Gross profit125.53M USD111.1M USD105.58M USD104.81M USD93.97M USD
Selling, general, and administrative67.43M USD44.35M USD42.32M USD37.11M USD38.06M USD
Operating expenses79.08M USD70.69M USD65.74M USD59.86M USD58.95M USD
Interest income163.21M USD106.5M USD96.31M USD86.95M USD77.93M USD
Interest expense40.12M USD23.85M USD8.32M USD3.62M USD6.92M USD
Depreciation and amortization6.74M USD3.03M USD3.36M USD3.8M USD3.44M USD
Operating income46.45M USD40.42M USD39.85M USD44.95M USD35.02M USD
Net income37.05M USD31.85M USD31.69M USD35.75M USD27.83M USD

Company facts updated Aug 24, 2026.

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