ACNB is the ticker symbol for ACNB CORP, a publicly traded Financials sector company listed on Nasdaq. 13F Pro tracks ACNB with AI-powered analysis, an AI quality score, SEC EDGAR financials, insider transactions, and institutional 13F holdings — all sourced directly from public SEC filings.

Is ACNB a good stock to buy?

13F Pro's AI ranking engine scores ACNB at 65.0/100, ranked #502 of 2,925 stocks on a composite quality score built from its SEC filings, covering profitability, growth, balance sheet strength, and free cash flow. The full AI verdict and bull/bear case for ACNB is available at https://13fpro.ai/company/ACNB. Not investment advice — review the underlying SEC filings before making any trade.

Where does 13F Pro source ACNB data?

All ACNB CORP fundamentals and ownership data come directly from SEC EDGAR. ACNB CORP files with the SEC under CIK 715579. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

ACNB CORP ACNB

NasdaqSmall CapFinancials

13F Pro quality score

Rank #502 of 2,925TOP 25%

Why it scores 65 Financials peers →

Rankings refresh quarterly once 80% of peers have filed. Next update: ~Nov 14, 2026.

Revenue

$52.50M

Quarter to Jun 30

Net income

$15.21M

Quarter to Jun 30

Free cash flow

$-3.96M

Quarter to Jun 30

Operating margin

36.7%

Quarter to Jun 30

Top Institutional Holders

as of Q2 2026

$245.91M total

BlackRock, Inc.

$41.87M+13.3%

VANGUARD CAPITAL MANAGEMENT LLC

$25.83M+1.7%

Private Capital Management, LLC

$21.46M+0.4%

DIMENSIONAL FUND ADVISORS LP

$21.00M+5.6%

GEODE CAPITAL MANAGEMENT, LLC

$16.14M+10.3%

AMERICAN CENTURY COMPANIES INC

$15.64M+43.4%

STATE STREET CORP

$13.41M+15.4%

MANUFACTURERS LIFE INSURANCE COMPANY, THE

$9.61M-0.7%

BRIDGEWAY CAPITAL MANAGEMENT, LLC

$6.32M+0.3%

TWO SIGMA INVESTMENTS, LP

$5.87M+156.1%

NORTHERN TRUST CORP

$5.82M+5.9%

VANGUARD PORTFOLIO MANAGEMENT LLC

$4.08M+18.2%

VANGUARD FIDUCIARY TRUST CO

$3.99M-0.3%

MALTESE CAPITAL MANAGEMENT LLC

$3.86M-24.1%

Empowered Funds, LLC

$3.82M+7.6%

CITADEL ADVISORS LLC

$2.55M-5.6%

Bank of New York Mellon Corp

$2.46M+11.2%

GOLDMAN SACHS GROUP INC

$2.44M+86.7%

MORGAN STANLEY

$2.37M-22.4%

AQR CAPITAL MANAGEMENT LLC

$2.25M+308.7%

Fisher Asset Management, LLC

$1.86M+18.8%

BANK OF AMERICA CORP /DE/

$1.85M-6.3%

CHARLES SCHWAB INVESTMENT MANAGEMENT INC

$1.78M+10.0%

MILLENNIUM MANAGEMENT LLC

$1.46M+21.8%

RENAISSANCE TECHNOLOGIES LLC

$1.45M-0.8%

See all 117 institutional holders →

What's Driving ACNB's Business? Latest 10-Q Breakdown

16/16 datapoints verified

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.

Read the full 10-Q on SEC EDGAR →

Key Metrics

Revenue

Q2 2026

EDGAR

Net Income

Q2 2026

EDGAR

EPS (Diluted)

Q2 2026

EDGAR

Operating Margin

Q2 2026

EDGAR

ROIC

Q2 2026

EDGAR

Free Cash Flow

Q2 2026

EDGAR

Debt/Equity

Q2 2026

EDGAR

Financial Trends

Revenue & Net Income

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Earnings Per Share

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ACNB CORP reported revenue, net income and margins by fiscal period, from SEC filings.
Period	Form	Revenue	Net income	Op. marginOperating 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%

About ACNB CORP (ACNB): stock profile, AI score and financials

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 65.0/100 on a composite quality score built from its SEC filings, placing it at rank #502 of 2,925 stocks — the top 25% of the AI-ranked universe. ACNB scores in the top quartile across profitability (90.1), revenue growth (89.0), free cash flow (83.5). Areas of concern include revenue scale (23.9) and institutional flow (31.5), 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.

Financials through the period ended Jun 30, 2026SEC EDGAR: CIK 715579 →

ACNB CORP ACNB

Top Institutional Holders

What's Driving ACNB's Business? Latest 10-Q Breakdown

Biggest Revenue Drivers

Biggest Revenue Drivers

Largest Expense Items

Watch Items from the Filing

Key Metrics

Financial Trends

Revenue & Net Income

Earnings Per Share

ACNB key financials by period

ACNB insiders

About ACNB CORP (ACNB): stock profile, AI score and financials

ACNB CORP ACNB

Top Institutional Holders

What's Driving ACNB's Business? Latest 10-Q Breakdown

Biggest Revenue Drivers

Key Metrics

Financial Trends

Revenue & Net Income

Earnings Per Share

ACNB key financials by period

Companies similar to ACNB

ACNB insiders

About ACNB CORP (ACNB): stock profile, AI score and financials