ACNB — ACNB Corporation
NASDAQ · Financials · Banks - Regional
About ACNB Corporation
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.
🤖 AI Earnings Analysis
ACNB delivered a solid but not exceptional regional-bank quarter: EPS of $1.55 beat estimates by $0.08; year-over-year growth was just 9% from $1.42, with $15M operating income and no reported revenue or company-specific catalyst.
AI-generated summary — powered by BigEarnings.
Earnings History
| Date | Period | EPS Est. | EPS Act. | Surprise | Revenue | Result | 1D Δ | 1W Δ | 1M Δ |
|---|---|---|---|---|---|---|---|---|---|
| 2026-10-22 | Q3 2026 | 1.47 | 1.55 | +5.44% | $43.8M | ✅ Beat | +2.75% | — | — |
| 2026-07-23 | Q2 2026 | 1.38 | 1.49 | +7.97% | $42.8M | ✅ Beat | +3.84% | +4.96% | +5.15% |
| 2026-04-23 | Q1 2026 | 1.25 | 1.32 | +5.60% | $40.8M | ✅ Beat | +1.50% | +1.77% | +10.11% |
| 2026-01-22 | Q4 2025 | 1.25 | 1.04 | -16.80% | $37.2M | ❌ Miss | +0.26% | -4.41% | +2.14% |
| 2025-10-23 | Q3 2025 | 1.19 | 1.42 | +19.33% | $40.5M | ✅ Beat | +3.11% | -0.66% | +6.30% |
| 2025-04-24 | Q1 2025 | 0.93 | 1.03 | +10.75% | $34.3M | ✅ Beat | -0.92% | +0.61% | +1.99% |
| 2025-01-23 | Q4 2024 | 0.86 | 0.77 | -10.47% | $26.9M | ❌ Miss | +0.82% | +4.14% | +3.68% |
| 2024-10-24 | Q3 2024 | 0.91 | 0.84 | -7.69% | $27.8M | ❌ Miss | -1.37% | -3.40% | +9.54% |
Showing last 8 quarters.
Revenue by segment & region
By segment
Q2 FY26 · $4.8M total
| Segment | Share | Revenue | YoY | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 |
|---|---|---|---|---|---|---|---|
| Mortgage Banking | 30.3% | $1.5M | -7.1% | $141K | $855K | $1.6M | $1.5M |
| Deposit Account | 25.7% | $1.2M | +5.4% | $2.1M | $1.1M | $1.2M | $1.3M |
| Fiduciary and Trust | 24.7% | $1.2M | +9.3% | $2.1M | $1.1M | $1.1M | $1.1M |
| ATM Service Charges and Debit Card Transactions | 19.3% | $933K | +3.1% | $1.7M | $831K | $905K | $904K |
Source: company filings via FMP. YoY compares the same fiscal period a year earlier.