Company research
ACNB CORP
CIK 715579Updated Oct 6, 2026
SecurityACNB · NASDAQ · equity
ACNB price & chart
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NASDAQ:ACNB on TradingView ↗About the company
ACNB Corporation, headquartered in Gettysburg, PA, is the $3.26 billion financial holding company for the wholly-owned subsidiaries of ACNB Bank, Gettysburg, PA, and ACNB Insurance Services, Inc., Westminster, MD. Originally founded in 1857, ACNB Bank serves its marketplace with banking and wealth management services, including trust and retail brokerage, via a network of 35 community banking offices and two loan offices located in the Pennsylvania counties of Adams, Cumberland, Franklin, Lancaster and York and the Maryland counties of Baltimore, Carroll and Frederick. ACNB Insurance Services, Inc. is a full-service insurance agency with licenses in 46 states. The agency offers a broad range of property, casualty, health, life and disability insurance serving personal and commercial clients through office locations in Westminster and Jarrettsville, MD, and Gettysburg, PA. For more information regarding ACNB Corporation and its subsidiaries, please visit investor.acnb.com.
In the news
ACNB Corporation Announces Second Quarter of 2026 Regular and Special Cash Dividends and New Share Repurchase Authorization ↗
Recent filings
Other Events
Items 8.01, 9.01
144 filing
10-Q filing
Other Events
Items 8.01, 9.01
Results of Operations and Financial Condition
Items 2.02, 9.01
Show 5 more recent filings
S-8 filing
10-Q filing
Submission of Matters to a Vote of Security Holders · Regulation FD Disclosure
Items 5.07, 7.01, 9.01
Other Events
Items 8.01, 9.01
Results of Operations and Financial Condition
Items 2.02, 9.01
Financials
FY 2025 · USDSource
Source
Source
Source
Source
balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| AssetsUSD | 3,250,838,000Source | 2,420,914,000Source | 3,318,863,000Source | 3,259,528,000Source | 2,457,753,000Source | 3,269,864,000Source | 3,270,041,000Source | 2,414,288,000Source | 3,228,126,000Source | 2,394,830,000Source | 2,418,847,000Source | 2,525,507,000Source |
| Property, Plant and Equipment, NetUSD | 31,107,000Source | 25,542,000Source | 27,982,000Source | 31,581,000Source | 25,760,000Source | 30,373,000Source | 32,398,000Source | 25,916,000Source | 30,648,000Source | 25,454,000Source | 26,283,000Source | 27,053,000Source |
| GoodwillUSD | 64,449,000Source | 44,185,000Source | 64,449,000Source | 64,449,000Source | 44,185,000Source | 64,449,000Source | 64,449,000Source | 44,185,000Source | 64,449,000Source | 44,185,000Source | 44,185,000Source | 44,185,000Source |
| Intangible Assets, Net (Excluding Goodwill)USD | 23,565,000Source | 8,142,000Source | 20,351,000Source | 24,694,000Source | 8,446,000Source | 21,379,000Source | 25,835,000Source | 8,761,000Source | 22,435,000Source | 7,838,000Source | 9,082,000Source | 10,332,000Source |
| Current assets: | ||||||||||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 102,139,000Source | 58,092,000Source | 81,835,000Source | 103,109,000Source | 86,274,000Source | 93,635,000Source | 123,563,000Source | 53,135,000Source | 65,648,000Source | 47,262,000Source | 65,958,000Source | 168,161,000Source |
| Operating Lease, Right-of-Use AssetUSD | 4,403,000Source | 2,110,000Source | 3,920,000Source | 4,657,000Source | 2,278,000Source | 4,053,000Source | 5,440,000Source | 2,447,000Source | 4,155,000Source | 2,663,000Source | 2,615,000Source | 3,162,000Source |
| LIABILITIES AND EQUITY | ||||||||||||
| LiabilitiesUSD | 2,842,196,000Source | 2,114,159,000Source | 2,895,584,000Source | 2,864,377,000Source | 2,168,422,000Source | 2,844,388,000Source | 2,883,158,000Source | 2,134,368,000Source | 2,808,152,000Source | 2,091,557,000Source | 2,141,386,000Source | 2,280,465,000Source |
| Stockholders’ equity: | ||||||||||||
| Preferred Stock, Value, IssuedUSD | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source |
| Common Stock, Value, IssuedUSD | 27,555,000Source | 22,344,000Source | 27,692,000Source | 27,539,000Source | 22,330,000Source | 27,664,000Source | 27,521,000Source | 22,315,000Source | 27,564,000Source | 22,357,000Source | 22,231,000Source | 22,086,000Source |
| Retained Earnings (Accumulated Deficit)USD | 250,410,000Source | 230,752,000Source | 272,965,000Source | 239,077,000Source | 226,271,000Source | 267,066,000Source | 230,978,000Source | 217,712,000Source | 257,293,000Source | 234,624,000Source | 213,491,000Source | 193,873,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -28,578,000Source | -33,835,000Source | -23,371,000Source | -32,851,000Source | -46,399,000Source | -23,459,000Source | -35,318,000Source | -46,824,000Source | -22,174,000Source | -41,668,000Source | -44,909,000Source | -58,012,000Source |
| Stockholders' Equity Attributable to ParentUSD | 408,642,000Source | 306,755,000Source | 423,279,000Source | 395,151,000Source | 289,331,000Source | 425,476,000Source | 386,883,000Source | 279,920,000Source | 419,974,000Source | 303,273,000Source | 277,461,000Source | 245,042,000Source |
| Additional Paid in Capital, Common StockUSD | 179,130,000Source | 98,697,000Source | 181,107,000Source | 178,553,000Source | 98,230,000Source | 180,132,000Source | 178,011,000Source | 97,818,000Source | 179,658,000Source | 99,163,000Source | 97,602,000Source | 96,022,000Source |
| Liabilities and EquityUSD | 3,250,838,000Source | 2,420,914,000Source | 3,318,863,000Source | 3,259,528,000Source | 2,457,753,000Source | 3,269,864,000Source | 3,270,041,000Source | 2,414,288,000Source | 3,228,126,000Source | 2,394,830,000Source | 2,418,847,000Source | 2,525,507,000Source |
| Additional Financial Items | ||||||||||||
| Long-term DebtUSD | 255,365,000Source | 255,322,000Source | 214,884,000Source | 255,354,000Source | 255,312,000Source | 215,387,000Source | 255,343,000Source | 255,302,000Source | 255,376,000Source | 255,333,000Source | 195,292,000Source | 21,000,000Source |
cash flow · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Depreciation, Depletion and AmortizationUSD | — | — | 1,758,000Source | 744,000Source | 1,589,000Source | 1,773,000Source | 1,665,000Source | 1,445,000Source | 6,737,000Source | 3,033,000Source | 3,362,000Source | 3,796,000Source |
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | — | — | -65,000Source | 798,000Source | 3,626,000Source | 779,000Source | 2,376,000Source | 924,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 24,322,000Source | -1,349,000Source | 53,643,000Source | 39,782,000Source | 40,602,000Source | 39,201,000Source |
| Cash flows from investing activities: | ||||||||||||
| Payments to Acquire Businesses, Net of Cash AcquiredUSD | — | — | — | — | — | — | 0Source | -36,206,000Source | -36,206,000Source | — | — | — |
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | -23,245,000Source | 90,194,000Source | 64,647,000Source | 2,428,000Source | 15,437,000Source | -331,723,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | — | — | — | — | — | — | 334,000Source | 659,000Source | 1,076,000Source | 960,000Source | 1,168,000Source | 1,811,000Source |
| Cash flows from financing activities: | ||||||||||||
| Payments for Repurchase of Common StockUSD | — | — | — | — | — | — | 3,560,000Source | 3,106,000Source | 11,164,000Source | 249,000Source | 2,027,000Source | 6,682,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | 26,910,000Source | -12,544,000Source | -99,904,000Source | -60,906,000Source | -158,242,000Source | -249,448,000Source |
| Payments of Ordinary Dividends, Common StockUSD | — | — | — | — | — | — | 3,930,000Source | 3,374,000Source | 14,382,000Source | 10,713,000Source | 9,702,000Source | 9,117,000Source |
| Repayments of Long-term DebtUSD | — | — | — | — | — | — | 55,000,000Source | 40,188,000Source | 40,188,000Source | 0Source | 0Source | 15,200,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | — | — | — | — | — | — | 27,987,000Source | 76,301,000Source | 18,386,000Source | -18,696,000Source | -102,203,000Source | -541,970,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | 102,139,000Source | 58,092,000Source | 81,835,000Source | 103,109,000Source | 93,635,000Source | 123,563,000Source | 65,648,000Source | 47,262,000Source | 65,958,000Source | 168,161,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | 9,768,000Source | 7,718,000Source | 39,487,000Source | 23,097,000Source | 7,155,000Source | 3,682,000Source |
| Additional Financial Items | ||||||||||||
| Share-based Payment Arrangement, ExpenseUSD | — | — | 301,000Source | 244,000Source | — | 276,000Source | — | 612,000Source | 1,411,000Source | — | — | — |
| Amortization of Intangible AssetsUSD | — | — | 1,129,000Source | 304,000Source | 1,028,000Source | 1,141,000Source | 1,056,000Source | 857,000Source | 4,257,000Source | 1,244,000Source | 1,424,000Source | 1,492,000Source |
| Bank Owned Life Insurance IncomeUSD | — | — | 651,000Source | 503,000Source | 756,000Source | 627,000Source | 737,000Source | 580,000Source | 2,593,000Source | 1,979,000Source | 1,878,000Source | 1,532,000Source |
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | — | — | 0Source | 0Source | 0Source | 22,000Source | 49,000Source | 0Source | -3,535,000Source | 69,000Source | -5,240,000Source | -234,000Source |
| DepreciationUSD | — | — | — | — | — | — | — | — | 2,500,000Source | 1,800,000Source | 1,900,000Source | 2,304,000Source |
| Equipment ExpenseUSD | — | — | 2,302,000Source | 1,698,000Source | 2,552,000Source | 2,539,000Source | 2,600,000Source | 2,280,000Source | 9,477,000Source | 7,321,000Source | 6,514,000Source | 6,612,000Source |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | — | — | — | — | — | — | — | — | — | — | -11,000Source | — |
| Equity Securities, FV-NI, Unrealized Gain (Loss)USD | — | — | 9,000Source | 28,000Source | -4,000Source | 3,000Source | -7,000Source | 14,000Source | 30,000Source | -9,000Source | 18,000Source | -298,000Source |
| Gain (Loss) on Disposition of Property Plant EquipmentUSD | — | — | — | — | — | — | — | — | — | 0Source | 0Source | -41,000Source |
| Gain (Loss) on Sale of Assets and Asset Impairment ChargesUSD | — | — | — | 0Source | 0Source | 0Source | 177,000Source | 0Source | 0Source | 0Source | 337,000Source | — |
| Gain (Loss) on Sales of Loans, NetUSD | — | — | — | — | — | — | 1,226,000Source | 855,000Source | 5,266,000Source | 301,000Source | 56,000Source | 487,000Source |
| GoodwillUSD | — | — | 64,449,000Source | 44,185,000Source | 64,449,000Source | 64,449,000Source | 64,449,000Source | 64,449,000Source | 64,449,000Source | 44,185,000Source | 44,185,000Source | 44,185,000Source |
| Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 9,403,000Source | — | — | — |
| Net Income (Loss) Attributable to ParentUSD | — | — | 14,870,000Source | 7,204,000Source | 15,214,000Source | 11,648,000Source | 13,703,000Source | -272,000Source | 37,051,000Source | 31,846,000Source | 31,688,000Source | 35,752,000Source |
| Operating Lease, ExpenseUSD | — | — | — | — | — | — | — | — | 1,353,000Source | 917,000Source | 924,000Source | 1,034,000Source |
| Operating Lease, Lease IncomeUSD | — | — | — | — | — | — | — | — | — | — | — | 78,000Source |
| Other Interest and Dividend IncomeUSD | — | — | 1,162,000Source | 670,000Source | 524,000Source | 831,000Source | 703,000Source | 792,000Source | 3,808,000Source | 2,832,000Source | 3,318,000Source | 5,756,000Source |
| Proceeds from Issuance of Common StockUSD | — | — | — | — | — | — | -251,000Source | -249,000Source | 642,000Source | 424,000Source | 721,000Source | 713,000Source |
| Proceeds from Issuance of Long-term DebtUSD | — | — | — | — | — | — | 15,000,000Source | 0Source | 0Source | 60,000,000Source | 175,000,000Source | 1,500,000Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | — | — | — | — | — | — | 10,221,000Source | 6,668,000Source | 57,495,000Source | 44,707,000Source | 32,594,000Source | 58,578,000Source |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | — | — | -584,000Source | 81,000Source | 554,000Source | -228,000Source | -76,000Source | 5,968,000Source | 5,262,000Source | -2,763,000Source | — | 0Source |
| Other Depreciation and Amortization | — | — | — | — | — | — | —Source | —Source | — | — | — | — |
income statement · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total RevenueUSD | — | — | 50,901,000Source | 34,074,000Source | 52,503,000Source | 50,258,000Source | 50,506,000Source | 43,474,000Source | 191,821,000Source | 132,195,000Source | — | — |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 18,916,000Source | 9,410,000Source | 19,248,000Source | 14,910,000Source | 17,263,000Source | -549,000Source | 46,454,000Source | 40,419,000Source | 39,849,000Source | 44,951,000Source |
| Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 9,403,000Source | — | — | — |
| Net Income (Loss) Attributable to ParentUSD | — | — | 14,870,000Source | 7,204,000Source | 15,214,000Source | 11,648,000Source | 13,703,000Source | -272,000Source | 37,051,000Source | 31,846,000Source | 31,688,000Source | 35,752,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 1.43Source | 0.85Source | 1.5Source | 1.11Source | 1.32Source | -0.03Source | 3.61Source | 3.75Source | 3.72Source | 4.15Source |
| Earnings Per Share, DilutedUSD per share | — | — | 1.42Source | 0.84Source | 1.49Source | 1.11Source | 1.32Source | -0.03Source | 3.6Source | 3.73Source | 3.71Source | — |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 10,419,581Source | 8,507,140Source | 10,170,860Source | 10,451,469Source | 10,348,531Source | 9,806,299Source | 10,259,179Source | 8,503,473Source | 8,507,803Source | 8,623,012Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | 10,455,461Source | 8,545,578Source | 10,212,225Source | 10,487,519Source | 10,366,230Source | 9,823,475Source | 10,290,148Source | 8,536,965Source | 8,536,125Source | — |
| Additional Financial Items | ||||||||||||
| Amortization of Intangible AssetsUSD | — | — | 1,129,000Source | 304,000Source | 1,028,000Source | 1,141,000Source | 1,056,000Source | 857,000Source | 4,257,000Source | 1,244,000Source | 1,424,000Source | 1,492,000Source |
| Bank Owned Life Insurance IncomeUSD | — | — | 651,000Source | 503,000Source | 756,000Source | 627,000Source | 737,000Source | 580,000Source | 2,593,000Source | 1,979,000Source | 1,878,000Source | 1,532,000Source |
| Business Combination, Acquisition Related CostsUSD | — | — | 169,000Source | 1,137,000Source | 0Source | 1,943,000Source | 0Source | 8,031,000Source | 10,718,000Source | 2,045,000Source | — | — |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | — | — | 0.34Source | 0.32Source | 0.92Source | 0.34Source | 0.38Source | 0.32Source | 1.38Source | 1.26Source | 1.14Source | 1.06Source |
| Current Income Tax Expense (Benefit)USD | — | — | 4,046,000Source | 2,206,000Source | 4,034,000Source | 3,262,000Source | 3,560,000Source | -277,000Source | 9,403,000Source | 8,573,000Source | 8,161,000Source | 9,199,000Source |
| Equipment ExpenseUSD | — | — | 2,302,000Source | 1,698,000Source | 2,552,000Source | 2,539,000Source | 2,600,000Source | 2,280,000Source | 9,477,000Source | 7,321,000Source | 6,514,000Source | 6,612,000Source |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | — | — | — | — | — | — | — | — | — | — | -11,000Source | — |
| Interest ExpenseUSD | — | — | 10,353,000Source | 6,299,000Source | 9,683,000Source | 10,564,000Source | 9,717,000Source | 9,200,000Source | 40,122,000Source | 23,854,000Source | 8,320,000Source | 3,624,000Source |
| Interest Income (Expense), NetUSD | — | — | — | — | — | — | — | — | — | — | 88,320,000Source | 83,425,000Source |
| Interest Revenue (Expense), NetUSD | — | — | 32,137,000Source | 20,942,000Source | 34,002,000Source | 31,012,000Source | 32,515,000Source | 27,090,000Source | 123,090,000Source | 83,611,000Source | — | — |
| Labor and Related ExpenseUSD | — | — | 13,191,000Source | 11,017,000Source | 13,761,000Source | 13,693,000Source | 14,027,000Source | 12,861,000Source | 52,779,000Source | 42,929,000Source | 40,931,000Source | 35,979,000Source |
| Marketing and Advertising ExpenseUSD | — | — | — | 99,000Source | — | — | — | — | — | — | 612,000Source | 299,000Source |
| Operating Lease, ExpenseUSD | — | — | — | — | — | — | — | — | 1,353,000Source | 917,000Source | 924,000Source | 1,034,000Source |
| Operating Lease, Lease IncomeUSD | — | — | — | — | — | — | — | — | — | — | — | 78,000Source |
| Other Interest and Dividend IncomeUSD | — | — | 1,162,000Source | 670,000Source | 524,000Source | 831,000Source | 703,000Source | 792,000Source | 3,808,000Source | 2,832,000Source | 3,318,000Source | 5,756,000Source |
Filing attachments
ex991-finalinvestorprese.htm · 8-K · 2026-03-12
EX-99.1 4 ex991-finalinvestorprese.htm EX-99.1 ex991-finalinvestorprese A C N B C O R P O R A T I O N Subordinated Notes Investor Presentation March 2026 Nasdaq: ACNB investor.acnb.com 2 | Investor Presentation Confidentiality Notice and Disclaimers • This presentation has been prepared solely for informational purposes from information supplied by or on behalf of ACNB Corporation (“ACNB”) and its subsidiaries (collectively, the “Company,” “we,” “our” or “us”) and is confidential and does …
Read attachment ↗ex991-firstamendmenttoam.htm · 8-K · 2026-02-20
EX-99.1 2 ex991-firstamendmenttoam.htm EX-99.1 ex991-firstamendmenttoam Ex. 99.1 FIRST AMENDMENT TO AMENDED AND RESTATED EMPLOYMENT AGREEMENT THIS FIRST AMENDMENT TO AMENDED AND RESTATED EMPLOYMENT AGREEMENT (“First Amendment”) is made this 19th day of February, 2026, by and among ACNB CORPORATION, a Pennsylvania business corporation (the “Corporation”), ACNB BANK, a state-chartered bank (the “Bank”) and JASON H. WEBER, an adult individual (“Executive”) residing in Pennsylvania. WITNESSETH:…
Read attachment ↗ex992-firstamendmenttoem.htm · 8-K · 2026-02-20
EX-99.2 3 ex992-firstamendmenttoem.htm EX-99.2 ex992-firstamendmenttoem Ex. 99.2 FIRST AMENDMENT TO EMPLOYMENT AGREEMENT THIS FIRST AMENDMENT TO EMPLOYMENT AGREEMENT (“First Amendment”) is made this 19th day of February, 2026 by and among ACNB CORPORATION, a Pennsylvania business corporation (the “Corporation”), ACNB BANK, a state-chartered bank (the “Bank”) and BRETT D. FULK, an adult individual (“Executive”) residing in Pennsylvania. WITNESSETH: WHEREAS, the Corporation, the Bank and the …
Read attachment ↗tm254970d1_ex99-1.htm · 8-K · 2025-02-03
EX-99.1 3 tm254970d1_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 Press Release FOR IMMEDIATE RELEASE Contact: Kevin Hayes SVP/ General Counsel, Secretary, and Chief Governance Officer 717.339.5161 khayes@acnb.com ACNB Corporation announceS Completion of Traditions BANCORP, inc. Acquisition GETTYSBURG, PA, February 3, 2025 --- ACNB Corporation (NASDAQ: ACNB), the parent financial holding company of ACNB Bank, a Pennsylvania state-chartered, FDIC-insured community bank, headquarte…
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