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/company/ACNB (free sign-up required for the full ranking).

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.

What drives ACNB's revenue?

Per ACNB CORP's latest 10-Q filed with the SEC on 2026-08-06, the biggest revenue drivers are: Net interest income ($34.0M, +9.6% YoY); Noninterest income ($8.8M, +1.6% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/ACNB.

What are ACNB's largest expenses?

ACNB CORP's latest 10-Q reports these as the largest expense items: Salaries and employee benefits ($13.8M, +0.5% YoY); Equipment ($2.6M, +0.5% YoY); Other noninterest expense ($3.1M, -9.2% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

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

64.3/100

Rank #562 of 2,961 stocksTOP 25%

View Financials peers →

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

Revenue Growth

87.3/100

Profitability

90.4/100

Balance Sheet

50.6/100

Earnings Quality

40.7/100

Free Cash Flow

83.4/100

Institutional Flow

31.7/100

Revenue Scale

23.8/100

Dilution Risk

65.9/100

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Why ACNB Scores 64/100

exact factor attribution · 2026-09-11

ACNB's composite is driven by revenue growth and profitability, held back by scale and institutional flow. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+9.9 pts

87th pct

Profitability

+8.1 pts

90th pct

Free cash flow

+5.0 pts

83th pct

Earnings growth

+1.6 pts

74th pct

Shareholder dilution

+1.1 pts

66th pct

Capital efficiency

+0.1 pts

51th pct

Earnings quality

-0.9 pts

41th pct

Institutional flow

-1.2 pts

32th pct

Scale

-5.2 pts

24th pct

Latest change (2026-08-06): 54 → 65 · ↑ Revenue growth 25→85; ↑ Earnings growth 52→66; despite ↓ Free cash flow 88→57

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

Unusual Activity in ACNB

Events flagged as statistical outliers against ACNB's own multi-year baseline — not fixed dollar thresholds.

Score shock2026-08-06
ACNB quality score jumped 10 points (54→64) on a new filing
View source filing →

ACNB Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for ACNB CORP (ACNB), 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. ACNB CORP's 13F Pro composite quality score has ranged between 36 and 66 since 2025, currently 64.3 — an improving long-term trajectory across 52 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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What's Driving ACNB's Business? Latest 10-Q Breakdown

✓ 16/16 datapoints verified

AI-extracted from ACNB CORP's 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 →Share on X

Revenue

Q2 2026

$52.5M

Net Income

Q2 2026

$15.2M

Free Cash Flow

Q2 2026

$-4.0M

Operating Margin

Q2 2026

36.7%

ROIC

Q2 2026

10.3%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+45.1% YoY

$191.8MFY 2025

FY22 $108.9MFY23 $115.1MFY24 $132.2MFY25 $191.8M

Net Income

+16.3% YoY

$37.1MFY 2025

FY22 $35.8MFY23 $31.7MFY24 $31.8MFY25 $37.1M

EPS (Diluted)

-3.5% YoY

$3.60FY 2025

FY22 $4.15FY23 $3.71FY24 $3.73FY25 $3.60

Total Assets

+34.8% YoY

$3.23BFY 2025

FY22 $2.53BFY23 $2.42BFY24 $2.39BFY25 $3.23B

Total Debt

+18.1% YoY

$320.1MFY 2025

FY22 $63.0MFY23 $252.2MFY24 $271.2MFY25 $320.1M

Op. Cash Flow

+34.8% YoY

$53.6MFY 2025

FY22 $39.2MFY23 $40.6MFY24 $39.8MFY25 $53.6M

Free Cash Flow

+35.4% YoY

$52.6MFY 2025

FY22 $37.4MFY23 $39.4MFY24 $38.8MFY25 $52.6M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$191.8M +45.1%	$132.2M +14.9%	$115.1M +5.7%	$108.9M +15.8%	$94.0M +0.9%	$93.2M
Net Income	$37.1M +16.3%	$31.8M +0.5%	$31.7M -11.4%	$35.8M +28.4%	$27.8M +51.3%	$18.4M
EPS (Diluted)	$3.60 -3.5%	$3.73 +0.5%	$3.71 -10.6%	$4.15	—	—
Total Assets	$3.23B +34.8%	$2.39B -1.0%	$2.42B -4.2%	$2.53B -9.4%	$2.79B +9.1%	$2.56B
Total Debt	$320.1M +18.1%	$271.2M +7.5%	$252.2M +300.6%	$63.0M -9.9%	$69.9M -24.2%	$92.2M
Operating Cash Flow	$53.6M +34.8%	$39.8M -2.0%	$40.6M +3.6%	$39.2M -6.9%	$42.1M +65.4%	$25.5M
Free Cash Flow	$52.6M +35.4%	$38.8M -1.6%	$39.4M +5.5%	$37.4M -7.8%	$40.5M +66.0%	$24.4M

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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.
$41.9M705,130 sh
VANGUARD CAPITAL MANAGEMENT LLC
$25.8M434,952 sh
Private Capital Management, LLC
$21.5M361,337 sh
DIMENSIONAL FUND ADVISORS LP
$21.0M353,663 sh
GEODE CAPITAL MANAGEMENT, LLC
$16.1M271,775 sh
AMERICAN CENTURY COMPANIES INC
$15.6M263,329 sh
STATE STREET CORP
$13.4M225,755 sh
MANUFACTURERS LIFE INSURANCE COMPANY, THE
$9.6M161,818 sh
BRIDGEWAY CAPITAL MANAGEMENT, LLC
$6.3M106,511 sh
TWO SIGMA INVESTMENTS, LP
$5.9M98,822 sh

Fund	Value	Shares
BlackRock, Inc.	$41.9M	705,130
VANGUARD CAPITAL MANAGEMENT LLC	$25.8M	434,952
Private Capital Management, LLC	$21.5M	361,337
DIMENSIONAL FUND ADVISORS LP	$21.0M	353,663
GEODE CAPITAL MANAGEMENT, LLC	$16.1M	271,775
AMERICAN CENTURY COMPANIES INC	$15.6M	263,329
STATE STREET CORP	$13.4M	225,755
MANUFACTURERS LIFE INSURANCE COMPANY, THE	$9.6M	161,818
BRIDGEWAY CAPITAL MANAGEMENT, LLC	$6.3M	106,511
TWO SIGMA INVESTMENTS, LP	$5.9M	98,822

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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. ACNB is classified as a small company.

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.