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Buy Day today: Poor Neutral (49) Good Mixed market breadth · no major macro event

ACNB Corporation (ACNB)

Financial Services Banks - Regional
60.70 $
Closing price · As of: 20. Jul 2026
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Basics

Market Cap
0.6Mrd. $
Shares Outstanding
10Mio.
Float
96.0%
Beta
0.9

Performance

Perf. 1M
11.80%
Perf. 3M
29.00%
Perf. 6M
23.50%
YTD Performance (%)
23.50%
52-Week-High Distance
-1.2%

Valuation

P/E
11.8
Forward P/E
9.7
PEG
P/B
1.4
P/S
2.9
EV/EBITDA
0.0
Price/FCF
7.7

Profitability

Gross Margin
100.0%
EBIT Margin
Net Margin
32.1%
Return on Equity
12.6%
Return on Assets
1.6%

Balance Sheet & Safety

Equity Ratio
Debt/Equity
0.7
Altman Z
-1.24
Piotroski
7 von 9

Growth

Sales Growth Last Quarter
42.70%
EPS Growth Last Quarter
34.80%
Sales Growth (Year)
28.89%
Forward Sales Growth
2.35%
Forward EPS Growth
1.40%

Dividend

Dividend Yield
2.79%
Dividend Per Share (TTM)
2.02$
Payout Ratio
37.8%
Years Without a Cut
18Years
Increase Streak
8Years

Quality & Screener

Stage
2
RS Rating
72
EPS Rating
73
Piotroski
7 von 9
Fundamental Rating
B (+14 von 100)
Altman Z
-1.24

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Sales Per Quarter ($M)
2024: Q4 · 33.2 Mio. $ Q4 2025: Q1 · 43.5 Mio. $ Q1 2025: Q2 · 50.3 Mio. $ Q2 2025: Q3 · 50.9 Mio. $ Q3 2025: Q4 · 46.0 Mio. $ Q4 2026: Q1 · 50.5 Mio. $ Q1
Earnings Per Share Per Quarter ($)
2024: Q4 · 0.77 $ Q4 2025: Q1 · -0.03 $ Q1 2025: Q2 · 1.11 $ Q2 2025: Q3 · 1.42 $ Q3 2025: Q4 · 1.04 $ Q4 2026: Q1 · 1.32 $ Q1
Net Margin Per Quarter (%)
2024: Q4 · 19.9 % Q4 2025: Q1 · -0.6 % Q1 2025: Q2 · 23.2 % Q2 2025: Q3 · 29.2 % Q3 2025: Q4 · 23.5 % Q4 2026: Q1 · 27.1 % Q1
Operating Cash Flow Per Quarter ($M)
2024: Q4 · 5.7 Mio. $ Q4 2025: Q1 · -0.1 Mio. $ Q1 2025: Q2 · 17.8 Mio. $ Q2 2025: Q3 · 23.2 Mio. $ Q3 2025: Q4 · 12.8 Mio. $ Q4 2026: Q1 · 24.3 Mio. $ Q1
Free Cash Flow Per Quarter ($M)
2024: Q4 · 5.3 Mio. $ Q4 2025: Q1 · -0.7 Mio. $ Q1 2025: Q2 · 17.9 Mio. $ Q2 2025: Q3 · 22.8 Mio. $ Q3 2025: Q4 · 11.2 Mio. $ Q4 2026: Q1 · 24.0 Mio. $ Q1
Sales Growth vs. Year-Ago Quarter (%)
2024: Q4 · 26.4 % Q4 2025: Q1 · 37.4 % Q1 2025: Q2 · 50.9 % Q2 2025: Q3 · 49.4 % Q3 2025: Q4 · 38.7 % Q4 2026: Q1 · 16.2 % Q1
EPS Growth vs. Year-Ago Quarter (%)
2024: Q4 · 60.5 % Q4 2025: Q1 · -103.5 % Q1 2025: Q2 · -15.9 % Q2 2025: Q3 · 68.7 % Q3 2025: Q4 · 34.7 % Q4
Price Change in Quarter (%)
2024: Q4 · -8.2 % Q4 2025: Q1 · 4.2 % Q1 2025: Q2 · 4.9 % Q2 2025: Q3 · 3.6 % Q3 2025: Q4 · 10.7 % Q4 2026: Q1 · -0.3 % Q1

Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 0.77 60.50 33 26.40 19.90 6 5
2025: Q1 -0.03 -103.50 44 37.40 -0.60 0 -1
2025: Q2 1.11 -15.90 50 50.90 23.20 18 18
2025: Q3 1.42 68.70 51 49.40 29.20 23 23
2025: Q4 1.04 34.70 46 38.70 23.50 13 11
2026: Q1 1.32 51 16.20 27.10 24 24
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

ACNB Corporation, eine Finanzholding, bietet Bank-, Versicherungs- und Finanzdienstleistungen für Privat-, Geschäfts- und Behördenkunden in den USA an. Das Unternehmen bietet Giro-, Spar- und Geldmarktkonten sowie Termineinlagen und Debitkarten an.

Employees501
HeadquartersGettysburg, PA
Websiteacnb.com
IPO Date2. Jan 1996
Next Earnings23. Jul 2026

Management

Management
Name Title Birth Year
James P. Helt President, CEO & Director 1967
Jason H. Weber C.F.A., CPA, FRM Executive VP, CFO & Treasurer 1975
Brett D. Fulk Executive VP & Chief Strategy Officer 1969
Douglas A. Seibel Executive VP and Chief Lending & Revenue Officer of ACNB Bank 1961
Kevin J. Hayes Esq. Senior VP, General Counsel, Secretary & Chief Governance Officer
Emily E. Berwager Senior VP & Human Resources Manager
Mark E. Blacksten Executive Vice President of Maryland Market President
Andrew A. Bradley Senior VP & Chief Risk Officer

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: July 20, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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