ACNB (ACNB) Stock Price
ACNB Price
Revenue has compounded at 7.2% per year over the past 19 years to 130.26 M USD. Earnings per share have grown at 5.7% per year over the last 19 years. ACNB's net margin stands at 28.4%, down from 29.6% several years earlier. ACNB currently offers a dividend yield of about 2.12%. The payout ratio is around 39% of earnings. The dividend has grown at 3.2% per year over the past 19 years. Analysts set a median price target of 57.63 USD, implying 11.4% below the current price. Of 9 analysts, 7 rate the stock a buy — an overall Buy consensus. The stock trades about 53% above its 52-week low.
ACNB stock price
Details
Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of ACNB over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how ACNB stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing ACNB's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | ACNB Price |
|---|---|
| 9/10/2026 | 65.02 USD |
| 9/9/2026 | 64.30 USD |
| 9/8/2026 | 65.41 USD |
| 9/4/2026 | 65.95 USD |
| 9/3/2026 | 65.61 USD |
| 9/2/2026 | 65.20 USD |
| 9/1/2026 | 63.98 USD |
| 8/31/2026 | 64.99 USD |
| 8/30/2026 | 64.06 USD |
| 8/28/2026 | 64.64 USD |
| 8/27/2026 | 64.52 USD |
| 8/26/2026 | 64.32 USD |
| 8/25/2026 | 64.70 USD |
| 8/24/2026 | 63.99 USD |
| 8/21/2026 | 64.45 USD |
| 8/20/2026 | 63.65 USD |
| 8/19/2026 | 63.42 USD |
| 8/18/2026 | 64.08 USD |
| 8/14/2026 | 64.93 USD |
| 8/13/2026 | 64.89 USD |
| 8/12/2026 | 64.52 USD |
| 8/11/2026 | 64.42 USD |
| 8/10/2026 | 63.49 USD |
| 8/7/2026 | 64.38 USD |
| 8/6/2026 | 65.01 USD |
| 8/5/2026 | 65.01 USD |
| 8/4/2026 | 65.18 USD |
| 8/3/2026 | 64.52 USD |
| 7/31/2026 | 64.48 USD |
| 7/30/2026 | 63.83 USD |
ACNB Revenue, Pre-Provision Profit, Net Income
3 Years
5 Years
10 Years
25 Years
Max
Details
ACNB Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEM USD |
|---|
| REVENUE GROWTH% |
| GROSS MARGIN% |
| GROSS INCOMEM USD |
| Net Interest IncomeM USD |
| Non-Interest IncomeM USD |
| Loan Loss ProvisionsM USD |
| Pre-Provision Profit (PPOP)M USD |
| NET INCOMEM USD |
| NET INCOME GROWTH% |
| DIVIDENDDIV.USD |
| DIVIDEND GROWTHDIV. GROWTH% |
| SHARESM |
| 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026e | 2027e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 52.00 | 49.00 | 49.00 | 51.00 | 53.00 | 65.00 | 80.00 | 87.00 | 105.00 | 100.00 | 108.00 | 114.00 | 132.00 | 170.00 | 169.00 | 174.00 |
| -1.89 | -5.77 | – | 4.08 | 3.92 | 22.64 | 23.08 | 8.75 | 20.69 | -4.76 | 8.00 | 5.56 | 15.79 | 28.79 | -0.59 | 2.96 |
| 78.85 | 87.76 | 91.84 | 94.12 | 92.45 | 92.31 | 88.75 | 87.36 | 80.00 | 93.00 | 96.30 | 92.11 | 84.09 | 73.53 | 73.53 | 73.53 |
| 41.00 | 43.00 | 45.00 | 48.00 | 49.00 | 60.00 | 71.00 | 76.00 | 84.00 | 93.00 | 104.00 | 105.00 | 111.00 | 125.00 | 124.26 | 127.94 |
| 34.30 | 33.60 | 33.90 | 35.61 | 36.35 | 46.10 | 56.80 | 59.09 | 73.07 | 71.24 | 83.43 | 87.99 | 82.64 | 121.79 | – | – |
| 11.90 | 11.70 | 11.90 | 12.41 | 12.97 | 14.40 | 16.25 | 18.50 | 20.09 | 22.78 | 21.39 | 18.44 | 25.70 | 8.47 | – | – |
| 4.70 | 1.50 | 0.20 | – | – | – | 1.60 | 0.60 | 9.10 | 0.10 | – | 0.84 | -2.76 | 4.73 | – | – |
| 15.90 | 13.30 | 13.50 | 14.81 | 14.23 | 16.40 | 28.34 | 29.99 | 31.86 | 35.02 | 44.51 | 40.36 | 37.66 | 29.75 | – | – |
| 8.00 | 9.00 | 10.00 | 11.00 | 10.00 | 9.00 | 21.00 | 23.00 | 18.00 | 27.00 | 35.00 | 31.00 | 31.00 | 37.00 | 58.00 | 59.00 |
| – | 12.50 | 11.11 | 10.00 | -9.09 | -10.00 | 133.33 | 9.52 | -21.74 | 50.00 | 29.63 | -11.43 | – | 19.35 | 56.76 | 1.72 |
| 0.76 | 0.76 | 0.77 | 0.80 | 0.80 | 0.80 | 0.89 | 0.98 | 1.00 | 1.01 | 1.06 | 1.14 | 1.26 | 1.38 | 2.29 | 2.45 |
| – | – | 1.32 | 3.90 | – | – | 11.25 | 10.11 | 2.04 | 1.00 | 4.95 | 7.55 | 10.53 | 9.52 | 65.94 | 6.99 |
| 5.97 | 5.99 | 6.02 | 6.04 | 6.06 | 7.03 | 7.05 | 7.06 | 8.70 | 8.64 | 8.52 | 8.51 | 8.54 | 10.39 | 10.39 | 10.39 |
Details
Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales ACNB generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue ACNB retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare ACNB's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares ACNB has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against ACNB's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
ACNB stock margins
3 Years
5 Years
10 Years
25 Years
Max
Details
ACNB Revenue per Share, Earnings per Share
3 Years
5 Years
10 Years
25 Years
Max
Details
ACNB business model & stock analysis
ACNB SWOT Analysis
Strengths
1. Established presence in the banking industry, with a strong reputation and brand recognition.
2. Diversified portfolio of financial products and services, including personal and business banking, mortgage lending, and wealth management.
3. Sound financial performance, with consistent growth in revenue and profitability over the years.
Weaknesses
1. Limited geographical reach, primarily serving customers in a specific region. Expanding to new markets could offer growth opportunities.
2. Relatively small size compared to larger competitors, potentially limiting the ability to compete on a national scale.
Opportunities
1. Expansion into new markets and regions, either through organic growth or strategic acquisitions, to increase market share and customer base.
2. Leveraging technology advancements to enhance digital banking solutions and improve customer experience.
3. Growing demand for sustainable and socially responsible banking practices, which could be capitalized upon by implementing ESG-focused initiatives.
Threats
1. Intense competition from larger banks and financial institutions, which could result in a potential loss of market share.
2. Regulatory changes and compliance requirements that may increase operational costs and affect profitability.
3. Economic downturns or financial crises that could negatively impact the overall banking industry.
ACNB Employees
3 Years
5 Years
10 Years
25 Years
Max
Details
ACNB Eulerpool Fair Value
Details
Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
ACNB historical P/E ratio, EBIT multiple, and P/S ratio
ACNB annual returns
Details
Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
ACNB shares outstanding
3 Years
5 Years
10 Years
25 Years
Max
Details
ACNB stock splits
ACNB Dividend History
27 years of dividend payments · 8 consecutive increases
ACNB dividend history and estimates
Max
Details
ACNB dividend payout ratio
3 Years
5 Years
10 Years
25 Years
Max
Details
Current ACNB forecasts and price targets in September 2026
Analyst Price Targets 2026ACNB Analyst Rating Actions
| Date | Firm | Action | Rating | Reliability |
|---|---|---|---|---|
| 6/26/2026 | Maintained | Overweight | 54 | |
| 5/27/2026 | Downgrade | OutperformMarket Perform | – | |
| 4/28/2026 | Maintained | Overweight | 54 | |
| 10/30/2025 | Maintained | Overweight | 54 | |
| 3/3/2025 | Upgrade | NeutralOverweight | 54 | |
| 7/31/2024 | Upgrade | Market PerformOutperform | – | |
| 5/1/2024 | Maintained | Neutral | 54 | |
| 12/18/2023 | Maintained | Neutral | 54 | |
| 10/31/2023 | Maintained | Neutral | 54 | |
| 5/31/2023 | Maintained | Outperform | – |
Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.
ACNB Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 7/23/2026 | 1.40USD | - | 43.12 MUSD | - | 2026 Q2 |
| 4/23/2026 | 1.27USD | - | 40.72 MUSD | - | 2026 Q1 |
| 1/22/2026 | 1.25USD | - | 40.48 MUSD | - | 2025 Q4 |
| 4/25/2024 | 0.91USD | - | 27.66 MUSD | - | 2024 Q1 |
| 1/24/2024 | 0.95USD | - | 27.92 MUSD | - | 2023 Q4 |
EESG©
Eulerpool ESG Scorecard© for the ACNB stock
EEnvironment
20
Environment
SSocial
20
Social
GGovernance (Corporate Governance)
4
Governance (Corporate Governance)
The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.
ACNB shareholder structure
| % | Name |
|---|---|
5.25082% | |
5.20171% | |
4.98786% | |
3.02999% | |
2.92024% | |
2.34561% |
ACNB Executives and Management Board
16 members · avg. age 61 · 25 % women
Mr. James Helt (58)
President, Chief Executive Officer, Director · since 2017
1.62 M USD
Management
Mr. Jason Weber (50)
Chief Financial Officer, Executive Vice President, Treasurer
Mr. Kevin Hayes (37)
Senior Vice President, Chief Governance Officer, General Counsel, Company Secretary
Board of Directors
Mr. Alan Stock (67)
Independent Chairman of the Board
Mr. Scott Kelley (73)
Independent Director
Ms. Kimberly Chaney (63)
Independent Director
Mr. Todd Herring (63)
Independent Vice Chairman of the Board
Mr. Frank Elsner (64)
Independent Director
Mr. James Lott (62)
Independent Director
Frequently asked questions about ACNB
The business model of ACNB Corp is centered around providing a comprehensive range of banking and financial services to individuals, businesses, and organizations. As a community-focused financial institution, ACNB Corp offers traditional banking services, such as checking and savings accounts, loans, mortgages, and credit cards. Additionally, the company provides wealth management and trust services, insurance coverage, and electronic banking solutions to meet the evolving needs of its customers. ACNB Corp aims to foster strong customer relationships by delivering personalized financial solutions with the primary objective of helping individuals and businesses achieve their financial goals.
ACNB Corp is primarily active in the banking and financial services industry.
ACNB Corp faces competition in the market from several other financial institutions. Some of its main competitors include larger banks such as PNC Financial Services Group Inc., M&T Bank Corporation, and BB&T Corporation. These banks operate within the same region and provide similar financial products and services to customers. ACNB Corp distinguishes itself through its customer-centric approach, personalized service, and local market knowledge, which sets it apart from its competitors.
ACNB Corp, founded in 1857, is a leading financial holding company headquartered in Gettysburg, Pennsylvania. With a rich and storied history spanning over 160 years, ACNB Corp has evolved into a trusted provider of a wide range of financial services. It operates through its wholly-owned banking subsidiary, ACNB Bank, which offers personalized banking solutions to individuals and businesses across Pennsylvania and Maryland. ACNB Corp prides itself on its strong commitment to the communities it serves, focusing on building lasting relationships and supporting local economies. Over the years, the company has successfully navigated various economic cycles, solidifying its reputation as a reputable and resilient financial institution.
ACNB Corp has achieved several significant milestones throughout its history. These achievements include steady growth in its market presence and financial performance. The company has successfully expanded its operations and diversified its product offerings, catering to a wide range of customer needs. ACNB Corp has also established a strong reputation for exceptional customer service and community involvement. With a long-standing commitment to delivering value to its shareholders, the company has consistently delivered solid financial results and maintained a strong presence in the financial industry. ACNB Corp continues to strive for excellence and remains dedicated to providing innovative solutions for its customers' financial needs.
ACNB Corp is primarily present in the United States, specifically in the states of Pennsylvania and Maryland. With a strong focus on community banking, ACNB Corp serves customers and businesses in these regions through its various banking and financial services. Additionally, ACNB Corp operates through its subsidiary, Russell Insurance Group, providing insurance services to individuals and businesses in these same areas. The company's commitment to their local communities makes ACNB Corp a trusted and reliable financial institution in the Pennsylvania and Maryland regions.
ACNB Corp represents strong values and a steadfast corporate philosophy. With a commitment to community banking, ACNB Corp focuses on providing excellent customer service and building long-lasting relationships. The company prides itself on integrity, fostering trust and transparency in all its dealings. ACNB Corp also prioritizes financial stability, ensuring the safety and soundness of its operations to benefit both customers and shareholders. By embracing innovation and adapting to changing market dynamics, ACNB Corp strives to deliver value and sustainable growth. With a customer-centric approach and a dedication to ethical business practices, ACNB Corp aims to be a reliable financial partner for individuals, businesses, and communities it serves.
Analysts currently set an average price target of 57.63 USD for the ACNB stock (median: 57.63 USD), implying -11.5 % versus the latest price. The consensus is based on 9 analyst ratings.
9 analysts currently rate the ACNB stock: 7 recommend buying, 2 holding and 0 selling. For 2026, analysts expect ACNB to generate revenue of 169.38 M USD and earnings per share of 5.66 USD.
Converted at the current exchange rate, the ACNB share trades at 56.04 EUR (65.02 USD).
The ACNB share (ACNB) is listed on 1 stock exchanges, including: NASDAQ (ACNB).
ACNB Corp is a multibank holding company that offers a wide range of financial services and products. The company's history dates back to 1857 and since then it has become one of the leading financial service providers in Pennsylvania and Maryland. The business model of ACNB Corp is based on three main business areas: banking, private banking, and insurance. In the banking sector, ACNB Corp offers a wide range of financial services including accounts, checking accounts, savings accounts, loans, mortgages, credit cards, and online banking. ACNB Corp's banks are ACNB Bank and NWSB Bank, both offering a comprehensive range of banking services. In the private banking sector, ACNB Corp offers wealth management and investment services. The company has experience in providing wealthy clients with individual, tailored solutions and professional financial advice and stock trading. ACNB Corp's insurance division offers a wide range of insurance solutions to both private clients and businesses, including auto, home, life, health, business, and liability insurance. ACNB Corp also has a subsidiary called Ascensus Insurance Services (AIS), which offers specialized insurance solutions to meet the specific needs of its clients. In the distribution of insurance and financial services, ACNB Corp stands out from the competition with personalized advice. The company's employees are well-trained, friendly, and always ready to support their customers in every way. The industries in which ACNB Corp operates are highly competitive, but thanks to the diversity of services and products offered, the company can establish a strong market position. Furthermore, it focuses on high-growth regions in Pennsylvania and Maryland, which give ACNB strategic advantages over its competitors. ACNB Corp is not only an extremely profitable company, but it also values sustainability in the region where it operates and is heavily involved in the community through volunteering and fundraising initiatives. This social responsibility of the company is another competitive advantage. Overall, ACNB Corp's business model is well-thought-out and mature. It leverages the benefits of a wide range of financial products and services that can be attractive to a broad range of customers, and it focuses on high-growth regions. Furthermore, it is not solely focused on maximizing profit, but also on making a positive impact in the community.
The expected revenue of ACNB is 169.38 M USD. This figure is based on current financial data and reflects the company's business performance.
The expected profit of ACNB is 58.77 M USD. The net profit reflects the company's profitability after deducting all expenses.
The price-to-earnings ratio (P/E) of ACNB is currently 11.49. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the ACNB stock.
The price-to-sales ratio (P/S) of ACNB is currently 3.99. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the ACNB stock.
The Eulerpool Quality Score for ACNB is 6/10.
The ISIN of ACNB is US0008681092. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of ACNB is A0YHBJ. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of ACNB is ACNB. The ticker symbol is used to trade ACNB shares on the stock exchange.
Over the past 12 months, ACNB paid a dividend of 1.38 USD . This corresponds to a dividend yield of about 2.12 %. For the coming 12 months, ACNB is expected to pay a dividend of 2.45 USD.
The current dividend yield of ACNB is 2.12 %.
ACNB pays a dividend, distributed in the months of , , , .
ACNB paid dividends every year for the past 26 years.
For the upcoming 12 months, dividends amounting to 2.45 USD are expected. This corresponds to a dividend yield of 3.76 %.
ACNB is assigned to the 'Finance' sector.
To receive the latest dividend of ACNB from amounting to 0.42 USD, you needed to have the stock in your portfolio before the ex-date on .
The last dividend was paid out on .
In the year 2025, ACNB distributed 1.26 USD as dividends.
The dividends of ACNB are distributed in USD.
ACNB stock
ACNB Peer Group
ACNB Ticker
ACNB FIGI
All fundamentals and in-depth analysis of ACNB
Our stock analysis for ACNB stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of ACNB. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.