ACNB CORP(ACNB)— Stock Profile, AI Score & Financials
Financials · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
ACNB CORP (ACNB) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores ACNB at 64.3/100 on a 32-signal composite quality model, placing it at rank #562 of 2,961 stocks — the top 25% of the AI-ranked universe. ACNB scores in the top quartile across profitability (90.4), revenue growth (87.3), free cash flow (83.4). Areas of concern include revenue scale (23.8) and institutional flow (31.7), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), ACNB CORP reports quarterly revenue of $52.5M, net income of $15.2M, an operating margin of 36.7%. Top institutional holders of ACNB by reported 13-F value include BlackRock, VANGUARD CAPITAL MANAGEMENT, Private Capital Management, based on the most recent SEC filings. ACNB trades on the Nasdaq exchange and files with the SEC under CIK 715579. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate ACNB daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for ACNB CORP directly from SEC EDGAR.
AI Quality Score
64.3/100
AI Rank
#562
Revenue
$52.5M
Net Income
$15.2M
Free Cash Flow
$-4.0M
Operating Margin
36.7%
ACNB key financials by period
ACNB CORP reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$191.8M
$37.1M
24.2%
FY 2024
10-K
$132.2M
$31.8M
30.6%
FY 2023
10-K
$115.1M
$31.7M
34.6%
FY 2022
10-K
$108.9M
$35.8M
41.3%
FY 2021
10-K
$94.0M
$27.8M
37.3%
FY 2020
10-K
$93.2M
$18.4M
24.4%
Institutions holding ACNB
Institutional investors reporting a position in ACNB CORP on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-06 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
ACNB's Q2 FY2026 net income rose to $15.2M ($1.49 diluted EPS) from $11.6M a year earlier, driven by net interest margin expansion to 4.56% and the absence of prior-year merger-related costs.
Biggest Revenue Drivers
Net interest income$34.0M+9.6% YoY
Driven primarily by loan growth, new loans and investment securities funded at higher rates than those that paid off or matured, and continued benefit of lower funding costs
Noninterest income$8.8M+1.6% YoY
Driven primarily by higher wealth management income and higher earnings on bank-owned life insurance, partially offset by lower credit card processing and letter of credit fees
Biggest Revenue Drivers
Total revenue: $52.5M+4.5% YoY
Net interest income$34.0M+9.6% YoY
Driven primarily by loan growth, new loans and investment securities funded at higher rates than those that paid off or matured, and continued benefit of lower funding costs
Noninterest income$8.8M+1.6% YoY
Driven primarily by higher wealth management income and higher earnings on bank-owned life insurance, partially offset by lower credit card processing and letter of credit fees
Largest Expense Items
Salaries and employee benefits$13.8M+0.5% YoY
Relatively flat year over year
Equipment$2.6M+0.5% YoY
Other noninterest expense$3.1M-9.2% YoY
Prior year included write-off of stale conversion related items
Merger-related expenses$0-100% YoY
Lack of Acquisition-related expenses in the current period versus $1.9M in Q2 2025
Margins: FTE net interest margin increased 35 bps to 4.56% from 4.21% a year earlier, driven by loan growth, new loans and securities funded at higher rates than those paying off, and lower funding costs; a Q4 2025 securities portfolio repositioning also boosted yields.
Watch Items from the Filing
Provision for credit losses was $554K in Q2 2026 versus a $228K reversal in Q2 2025, driven primarily by loan growth; ACL stood at 1.00% of total loans.
Non-owner occupied CRE, construction and multi-family concentration was 231.6% of the Bank's total risk-based capital as of June 30, 2026.
Uninsured and non-collateralized deposits were 18.1% of total Bank deposits at June 30, 2026, though covered 329.7% by liquidity sources.
The Corporation completed a $310,000-share buyback plan and launched a new one; it also issued $15.0M of 5.875% subordinated notes while redeeming $15.0M of 4.00% notes.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
