ACNB (ACNB) Stock Price, News & Analysis

Company Overview

ACNB Corporation is the bank holding company for ACNB Bank, a community-focused financial institution headquartered in Gettysburg, Pennsylvania. Tracing its roots to a local banking organization established in the 19th century, the company has evolved into a regional banking franchise serving individuals, families and businesses across south-central Pennsylvania. As a publicly traded company on NASDAQ under the ticker ACNB, it operates under a traditional community banking model, emphasizing personal service and local decision-making.

The company’s main business activities encompass a full range of retail and commercial banking products. Core offerings include checking and savings accounts, certificates of deposit, consumer and commercial loans, mortgage lending and treasury management services. Beyond traditional banking, ACNB Corporation provides trust and wealth management through its fiduciary services division, helping clients with estate planning, investment management and retirement strategies. Through an affiliated insurance subsidiary, the company also offers property, casualty and life insurance solutions to complement its financial services lineup.

ACNB Bank maintains a network of branch offices and ATMs in counties such as Adams, Franklin, Fulton, Lancaster and York, enabling it to support both urban and rural communities in its footprint. The corporation continues to invest in digital banking platforms, online lending capabilities and community development initiatives designed to meet evolving client needs. With a focus on local leadership and community engagement, ACNB Corporation strives to deliver personalized financial solutions while upholding the values of service, integrity and long-term client relationships.

Key Stats

• Today's Range: $52.99 to $53.72
• 50-Day Range: $45.29 to $53.54
• 52-Week Range: $40.15 to $53.93
• Volume: 33,956 shs
• Average Volume: 65,239 shs
• Market Capitalization: $545.21 million
• P/E Ratio: 10.92
• Dividend Yield: 2.85%
• Price Target: $58.00
• Consensus Rating: Moderate Buy

ACNB Stock Analysis - MarketRank™

ACNB scored higher than 77% of companies evaluated by MarketBeat, and ranked 375th out of 883 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.5 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

ACNB has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on no strong buy ratings, 2 buy ratings, 2 hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for ACNB is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

ACNB has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 0.73%

Earnings Growth

Earnings for ACNB are expected to grow by 0.73% in the coming year, from $5.49 to $5.53 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of ACNB is 10.92, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.39.

Price to Earnings Ratio vs. Sector

The P/E ratio of ACNB is 10.92, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.71.

Price to Book Value per Share Ratio

ACNB has a P/B Ratio of 1.28. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.32% of the float of ACNB has been sold short.

Short Interest Ratio / Days to Cover

ACNB has a short interest ratio ("days to cover") of 1.45, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in ACNB has recently decreased by 4.27%, indicating that investor sentiment is improving.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

ACNB pays a meaningful dividend of 2.85%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

ACNB has been increasing its dividend for 8 years.

Dividend Coverage

The dividend payout ratio of ACNB is 31.08%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, ACNB will have a dividend payout ratio of 27.49% next year. This indicates that ACNB will be able to sustain or increase its dividend.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: N/A

News Sentiment

ACNB has a news sentiment score of 0.00. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.61 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for ACNB this week, compared to 2 articles on an average week.

Search Interest

Only 2 people have searched for ACNB on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

MarketBeat Follows

1 people have added ACNB to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 1.9 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, ACNB insiders have bought more of their company's stock than they have sold. Specifically, they have bought $232.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

3.73% of the stock of ACNB is held by insiders.

Percentage Held by Institutions

32.35% of the stock of ACNB is held by institutions.

Company Calendar

• Record date for 3/13 Dividend: 2/27/2026
• Ex-Dividend for 3/13 Dividend: 2/27/2026
• Dividend Payable: 3/13/2026
• Last Earnings: 4/23/2026
• Today: 5/20/2026
• Record date for 6/15 Dividend: 6/01/2026
• Ex-Dividend for 6/15 Dividend: 6/01/2026
• Dividend Payable: 6/15/2026
• Next Earnings (Estimated): 7/23/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHWEST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:ACNB
• CIK: 715579
• Web: www.acnb.com
• Phone: (717) 334-3161
• Fax: 717-334-8670
• Employees: 400
• Year Founded: 1857

Price Target and Rating

• Average Price Target for ACNB: $58.00
• High Price Target: $58.00
• Low Price Target: $58.00
• Potential Upside/Downside: +8.6%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $4.89
• Trailing P/E Ratio: 10.92
• Forward P/E Ratio: 9.73
• P/E Growth: N/A
• Net Income: $37.05 million
• Net Margins: 25.66%
• Pretax Margin: 32.32%
• Return on Equity: 13.15%
• Return on Assets: 1.67%

Debt

• Debt-to-Equity Ratio: 0.51
• Current Ratio: 0.94
• Quick Ratio: 0.93

Sales & Book Value

• Annual Sales: $191.82 million
• Price / Sales: 2.84
• Cash Flow: $5.82 per share
• Price / Cash Flow: 9.18
• Book Value: $41.66 per share
• Price / Book: 1.28

Miscellaneous

• Outstanding Shares: 10,210,000
• Free Float: 9,831,000
• Market Cap: $545.21 million
• Optionable: Optionable
• Beta: 0.87