10-K · March 12, 2026
ACNB grew materially in 2025 driven by the February 1, 2025 acquisition of Traditions Bancorp, which contributed to quarterly revenues of $43M, $50M, $51M and $47M in 2025. The company remains a regionally focused…
Earnings analysis · 10-Q
ACNB earnings analysis
Filed May 7, 2026 · Our reading of the company's report
The latest report
ACNB Corporation reported strong performance in Q1 2026, with a revenue increase to $40.79 million and EPS of $1.32, surpassing estimates. The company enjoyed a significant boost from loan growth and increased net…
Read full summary
ACNB Corporation reported strong performance in Q1 2026, with a revenue increase to $40.79 million and EPS of $1.32, surpassing estimates. The company enjoyed a significant boost from loan growth and increased net interest income, while managing an effective capital strategy through dividend declarations and share repurchase plans.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $1.32
- Segment
- Banking
- Segment
- Insurance
What stood out
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Revenue Growth Exceeds Expectations
Revenue rose to $40.79 million, beating estimates by 1.97%.
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EPS Beats Expectations
Reported EPS was $1.32 compared to an estimate of $1.25, exceeding by 5.6%.
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Increased Cash and Cash Equivalents
Cash and due from banks increased to $25.649 million from $20.611 million.
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Nonperforming Loans Decrease
Nonperforming loans improved to $9.585 million, or 0.41% of total loans, from $10.721 million.
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Increased Loans and Deposits
Total loans grew to $2.351 billion, a 0.8% increase, while total deposits also rose to $2.526 billion.
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Return on Equity Improvement
Return on average equity improved to 12.97% from an (0.31)% loss last year.
What to watch
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Credit Losses Reversal
Provision for credit losses was a reversal of $76,000 compared to a provision of $5.968 million in Q1 2025.
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Market Sensitivity
The Bank may face risks from fluctuating interest rates impacting future net interest income.
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Regulatory Changes
Potential changes in regulatory requirements could subject ACNB to increased capital constraints.
Management's outlook
No numeric forward guidance provided; management emphasizes ongoing growth strategies.
Earlier filings 4
10-Q · August 7, 2025
ACNB reported a strong quarter of core revenue and balance-sheet growth driven by the Traditions acquisition: net interest income after provisions was $31,594,000 and noninterest income $8,682,000 (totaling $40,276,000)…
10-Q · May 9, 2025
ACNB reported total revenue of $34,274,000 for Q1 2025, up $8,014,000 (+30.5%) versus Q1 2024, driven by higher net interest income and noninterest income and the inclusion of Traditions results from Feb 1, 2025.…
10-Q · May 9, 2024
ACNB reported Q1 net income of $6.768M and diluted EPS of $0.80, down materially from $9.023M and $1.06 a year ago. Total reported revenue (net interest income plus noninterest income) was $26.260M (20,593 + 5,667),…
This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.