What is the 13F Pro Quality Score for ACNB?

13F Pro ranks ACNB CORP (ACNB) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View ACNB's current score at https://13fpro.ai/research/ACNB (free sign-up required for the full ranking).

Which hedge funds own the most ACNB stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of ACNB include BlackRock,, VANGUARD CAPITAL MANAGEMENT, FMR. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/ACNB as soon as new 13F filings post.

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.

What sector is ACNB in?

ACNB CORP (ACNB) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is ACNB research updated on 13F Pro?

ACNB's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

ACNB CORP(ACNB)Stock Analysis

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13F Pro Quality Score

54.2/100

Rank #1,227 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

25.2/100

Profitability

83.9/100

Balance Sheet

46.2/100

Earnings Quality

52.1/100

Free Cash Flow

87.6/100

Institutional Flow

56.2/100

Revenue Scale

24.0/100

Dilution Risk

65.6/100

ACNB Stock Analysis & AI Quality Score

AI stock analysis and institutional research for ACNB CORP (ACNB), a Financials sector company. 13F Pro's AI-powered ranking engine scores ACNB at 54.2/100 on a 32-signal composite quality model, placing it at rank #1,227 of 2,879 stocks — the top half of the AI-ranked universe. ACNB scores in the top quartile across free cash flow (87.6), profitability (83.9). Areas of concern include revenue scale (24.0) and revenue growth (25.2), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), ACNB CORP reports quarterly revenue of $50.5M, net income of $13.7M, an operating margin of 34.2%. Top institutional holders of ACNB by reported 13-F value include BlackRock,, VANGUARD CAPITAL MANAGEMENT, FMR, 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. ACNB CORP's 13F Pro composite quality score has ranged between 34 and 66 since 2025, currently 54.2 — an improving long-term trajectory across 13 quarterly and live scoring snapshots.

✦

Fun facts about ACNB CORP

Quirks, history, and lore behind ACNB — the kind of stuff that makes a stock memorable.

1
The Basics
A community banking company · small-cap · listed on Nasdaq · headquartered in south-central Pennsylvania.
2
The Numbers
Total assets in the range of $2 billion — firmly in community-bank territory — with a branch network spanning Pennsylvania and Maryland.
3
The History
Its roots trace back to the late 19th century, making it one of the older community banking institutions in its region — surviving wars, depressions, and the rise of the megabanks.
4
The Secret
It offers the full community-bank playbook: personal and commercial loans, wealth management, and trust services — all without anyone on Wall Street much noticing.
5
The Lore
It calls home one of the most historically famous small towns in America — a place where a three-day Civil War battle in 1863 permanently put it on the map.
6
The Giveaway
Headquartered in Gettysburg, Pennsylvania, this bank's four-letter ticker is also the first four letters of its hometown's most famous address — Gettysburg, Adams County.

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Revenue

Q1 2026

$50.5M

Net Income

Q1 2026

$13.7M

Free Cash Flow

Q1 2026

$24.0M

Operating Margin

Q1 2026

34.2%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+45.1% YoY

$191.8MFY 2025

FY20 $84.0KFY23 $115.1MFY24 $132.2MFY25 $191.8M

Net Income

+16.3% YoY

$37.1MFY 2025

FY20 $18.4MFY23 $31.7MFY24 $31.8MFY25 $37.1M

EPS (Diluted)

-3.5% YoY

$3.60FY 2025

FY20 —FY23 $3.71FY24 $3.73FY25 $3.60

Total Assets

+34.8% YoY

$3.23BFY 2025

FY20 $2.56BFY23 $2.42BFY24 $2.39BFY25 $3.23B

Total Debt

+18.1% YoY

$320.1MFY 2025

FY20 $92.2MFY23 $252.2MFY24 $271.2MFY25 $320.1M

Op. Cash Flow

+34.8% YoY

$53.6MFY 2025

FY20 $25.5MFY23 $40.6MFY24 $39.8MFY25 $53.6M

Metric	FY 2025	FY 2024	FY 2023	FY 2020	FY 2019	FY 2017
Revenue	$191.8M +45.1%	$132.2M +14.9%	$115.1M +136906.0%	$84.0K -10.6%	$94.0K	—
Net Income	$37.1M +16.3%	$31.8M +0.5%	$31.7M +72.3%	$18.4M -22.5%	$23.7M +142.3%	$9.8M
EPS (Diluted)	$3.60 -3.5%	$3.73 +0.5%	$3.71	—	—	—
Total Assets	$3.23B +34.8%	$2.39B -1.0%	$2.42B -5.3%	$2.56B +48.5%	$1.72B +7.8%	$1.60B
Total Debt	$320.1M +18.1%	$271.2M +7.5%	$252.2M +173.5%	$92.2M -7.5%	$99.7M -24.2%	$131.5M
Operating Cash Flow	$53.6M +34.8%	$39.8M -2.0%	$40.6M +59.4%	$25.5M -1.0%	$25.7M +51.2%	$17.0M

AI Insight: ACNB Financial Trends

ACNB's Q1 2026 net income of $14M and operating cash flow of $24M mark the strongest cash generation in the visible period, while debt falls to $279M.

• Net income rebounded sharply from $-0M in Q1 2025 to $14M in Q1 2026, recovering to above Q2 2024 levels.

• Operating cash flow surged from $-0M in Q1 2025 to $24M in Q1 2026, the highest level in the dataset.

• Equity expanded steadily from $289M in Q2 2024 to $425M in Q1 2026, strengthening the balance sheet.

• Total debt declined to $279M in Q1 2026 from a Q3 2025 peak of $336M, reducing leverage.

⚠ Q1 2025 showed near-zero net income and operating cash flow — worth monitoring whether that quarter reflected a structural disruption or one-time event.

⚠ Revenue dipped to $47M in Q4 2025 before recovering to $51M in Q1 2026 — sequential volatility warrants monitoring.

⚠ Debt spiked to $336M in Q3 2025 before falling; if loan demand or funding pressures resurge, leverage could climb again.

AI Insight: ACNB Ratio Trends

Q1 2025 loss was a one-quarter anomaly; ACNB has since recovered with Q3 2025 posting the strongest margins in the visible dataset.

• Operating margin rebounded sharply from -1.3% in Q1 2025 to 37.2% in Q3 2025 before settling at 34.2% in Q1 2026.

• Leverage has steadily declined: D/E fell from 1.05 in Q2 2024 to 0.66 in Q1 2026, the lowest level in the dataset.

• ROIC recovered from a trough of -0.3% in Q1 2025 to 9.8% in Q1 2026, approaching the 9.6% seen in Q2 2024.

• ROE and ROA show marked quarterly volatility — Q4 2024 ROE of 8.7% vs. Q3 2025 ROE of 14.6% — signaling uneven earnings cadence.

⚠ Q1 2025 produced negative margins across all metrics; any recurrence of that one-off drag warrants close scrutiny.

⚠ Q4 seasonality appears weak: Q4 2025 OpMargin of 27.9% and ROIC of 7.1% were the softest non-loss quarters in 2025.

⚠ TTM ROIC of 9.1% trails Q1 2026's standalone 9.8%, suggesting the Q1 2025 loss still weighs on trailing figures.

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Available Research

13F Pro tracks comprehensive data for ACNB CORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of ACNB

BlackRock, Inc.
$29.8M622,577 sh
VANGUARD CAPITAL MANAGEMENT LLC
$20.5M427,657 sh
FMR LLC
$17.4M363,662 sh
Private Capital Management, LLC
$17.2M359,742 sh
DIMENSIONAL FUND ADVISORS LP
$16.0M334,844 sh
GEODE CAPITAL MANAGEMENT, LLC
$11.8M246,376 sh
STATE STREET CORP
$9.4M195,578 sh
AMERICAN CENTURY COMPANIES INC
$8.8M183,620 sh
MANUFACTURERS LIFE INSURANCE COMPANY, THE
$7.8M162,978 sh
BRIDGEWAY CAPITAL MANAGEMENT, LLC
$5.1M106,157 sh

Fund	Value	Shares
BlackRock, Inc.	$29.8M	622,577
VANGUARD CAPITAL MANAGEMENT LLC	$20.5M	427,657
FMR LLC	$17.4M	363,662
Private Capital Management, LLC	$17.2M	359,742
DIMENSIONAL FUND ADVISORS LP	$16.0M	334,844
GEODE CAPITAL MANAGEMENT, LLC	$11.8M	246,376
STATE STREET CORP	$9.4M	195,578
AMERICAN CENTURY COMPANIES INC	$8.8M	183,620
MANUFACTURERS LIFE INSURANCE COMPANY, THE	$7.8M	162,978
BRIDGEWAY CAPITAL MANAGEMENT, LLC	$5.1M	106,157

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Is ACNB a good stock to buy?

13F Pro's AI-powered analysis of ACNB CORP (ACNB) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for ACNB are available on the ACNB stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own ACNB?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling ACNB. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of ACNB CORP's investment landscape.