ACNB Stock - ACNB Corporation
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $132.19M | $114.75M | $108.44M | $100.94M | $105.38M |
| Gross Profit | $111.10M | $105.58M | $104.81M | $93.97M | $84.02M |
| Gross Margin | 84.0% | 92.0% | 96.7% | 93.1% | 79.7% |
| Operating Income | $40.42M | $39.85M | $44.95M | $35.02M | $22.70M |
| Net Income | $31.85M | $31.69M | $35.75M | $27.83M | $18.39M |
| Net Margin | 24.1% | 27.6% | 33.0% | 27.6% | 17.5% |
| EPS | $3.75 | $3.72 | $4.15 | $3.19 | $2.13 |
ACNB Corporation, a financial holding company, provides 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 include personal residential mortgages, and residential construction and investment mortgage loans. In addition, the company provides other services that are related to testamentary trusts, life insurance trusts, charitable remainder trusts, guardianships, powers of attorney, custodial accounts, and investment management and advisory accounts; and retail brokerage services. Further, it acts as a trustee to invest in, protect, manage, and distribute financial assets. Additionally, the company offers property and casualty, health, life, and disability insurance products to commercial and individual clients; and online, telephone, and mobile banking, as well as automated teller machine services. As of December 31, 2021, it operated through a network of 19 community banking offices located in Pennsylvania, including 12 offices in Adams county, five offices in York county, one office in Cumberland County, and one office in Franklin County; five community banking offices located in Frederick County; six community banking offices located in Carroll county, Maryland; and loan offices located in Lancaster and York, Pennsylvania, and Hunt Valley, Maryland. The company was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| October 7th 2025 | Raymond James | Downgrade | Market Perform | - |
| March 21st 2025 | Raymond James | Initiation | Outperform | $47 |
| March 3rd 2025 | Piper Sandler | Upgrade | Overweight | $50← $37 |
| November 19th 2024 | Janney | Initiation | Buy | $53 |
| July 31st 2024 | Hovde Group | Upgrade | Outperform | $45 |
| December 18th 2023 | Hovde Group | Downgrade | Market Perform | $47← $40 |
| May 31st 2023 | Hovde Group | Initiation | Outperform | $36 |
| May 19th 2023 | Piper Sandler | Initiation | Neutral | $31 |
Earnings History & Surprises
ACNBEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 22, 2026 | — | — | — | — |
Q1 2026 | Jan 22, 2026 | $1.26 | — | — | — |
Q4 2025 | Oct 23, 2025 | $1.20 | $1.42 | +18.3% | ✓ BEAT |
Q3 2025 | Jul 24, 2025 | $1.14 | $1.11 | -2.6% | ✗ MISS |
Q2 2025 | Apr 24, 2025 | $0.94 | $1.03 | +9.6% | ✓ BEAT |
Q1 2025 | Jan 23, 2025 | $0.83 | $0.77 | -7.2% | ✗ MISS |
Q4 2024 | Oct 24, 2024 | $0.92 | $0.84 | -8.7% | ✗ MISS |
Q3 2024 | Jul 24, 2024 | $0.84 | $1.32 | +57.1% | ✓ BEAT |
Q2 2024 | Apr 25, 2024 | $0.80 | $0.80 | 0.0% | = MET |
Q1 2024 | Jan 25, 2024 | $0.94 | $0.48 | -48.9% | ✗ MISS |
Q4 2023 | Oct 27, 2023 | $0.99 | $1.06 | +7.1% | ✓ BEAT |
Q3 2023 | Jul 27, 2023 | $1.02 | $1.12 | +9.8% | ✓ BEAT |
Q2 2023 | Apr 27, 2023 | — | $1.06 | — | — |
Q1 2023 | Jan 26, 2023 | — | $1.20 | — | — |
Q4 2022 | Oct 27, 2022 | — | $1.20 | — | — |
Q3 2022 | Jul 29, 2022 | — | $0.99 | — | — |
Q2 2022 | Apr 28, 2022 | — | $0.76 | — | — |
Q1 2022 | Jan 27, 2022 | — | $0.52 | — | — |
Q4 2021 | Nov 3, 2021 | — | $0.84 | — | — |
Q3 2021 | Jul 29, 2021 | — | $0.98 | — | — |
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