10x Insights
Loading account…
Companies / Financials / ACNB CORP
ACNB

ACNB CORP

FinancialsBanks & Brokers
Ticker ACNBGETTYSBURG, PAFiscal year ends DecemberBook value per share $41.14Diluted shares 10.3M

ACNB Corporation (NASDAQ: ACNB) operates as a financial holding company headquartered in Gettysburg, Pennsylvania, serving customers through its primary banking subsidiary ACNB Bank and insurance subsidiary ACNB Insurance Services. The company maintains a website at investor.acnb.com. From the company’s description.

Fiscal year 2025 · ends 12-31Changes are against fiscal 2024The amber dot is the latest twelve months, to 2026-06-30
Sales & profitability
$151.70M
+40.0% year over year
Last 12 mo $161.34M
30.27%
−7 percentage points
Last 12 mo 42.63%
$37.05M
+16.3% year over year
Last 12 mo $54.59M
8.82%
−1.7 percentage points
Last 12 mo 12.90%
Cash & financing
$53.64M
+34.8% year over year
Last 12 mo $56.83M
$52.57M
+35.4% year over year
Last 12 mo $55.37M
6.60
Was 6.80× a year earlier
Last 12 mo 0.76
10.3M
+20.5% year over year
Last 12 mo 10.3M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What ACNB CORP does

In the company’s own words

ACNB Corporation (NASDAQ: ACNB) operates as a financial holding company headquartered in Gettysburg, Pennsylvania, serving customers through its primary banking subsidiary ACNB Bank and insurance subsidiary ACNB Insurance Services. The company maintains a website at investor.acnb.com.

Founded in 1857 and incorporated as a holding company in 1982, ACNB has grown through strategic acquisitions including New Windsor Bancorp in 2017, Frederick County Bancorp in 2020, and Traditions Bancorp in 2025. The company operates 33 community banking offices across south-central Pennsylvania and northern Maryland, with additional loan production offices in West Lawn, Pennsylvania and Hunt Valley, Maryland. ACNB Bank serves nine counties spanning Adams, Berks, Cumberland, Franklin, Lancaster, and York counties in Pennsylvania, along with Baltimore, Carroll, and Frederick counties in Maryland.

The banking subsidiary provides comprehensive financial services including commercial lending, consumer lending, residential mortgage origination through Traditions Mortgage, and wealth management services. ACNB Wealth Management offers trust services, estate settlement, and retail brokerage services, with total trust assets under management and administration of $444.8 million and $24.1 million respectively as of year-end 2025. The bank also manages $238.3 million in assets under management through its broker-dealer partnership.

ACNB Insurance Services, based in Westminster, Maryland, operates as a full-service insurance agency licensed in 46 states, offering property, casualty, health, life, and disability insurance to commercial and individual clients through offices in Westminster and Gettysburg.

As of December 31, 2025, ACNB Bank reported total assets of $3.21 billion, total loans of $2.33 billion, total deposits of $2.48 billion, and equity capital of $398.3 million. The company employs 501 full-time and 36 part-time employees across its operations. The corporation's market area depends on agriculture, industry, tourism, education, and healthcare for economic vitality, with no single sector dominating the regional economy. ACNB's business model emphasizes community banking relationships and local market expertise while maintaining regulatory compliance as a financial holding company subject to Federal Reserve oversight.

Company details
Sector
Financials
Industry
Banks & Brokers
Headquarters
GETTYSBURG, PA
Fiscal year end
December
CIK
715579
SIC
6022

Financial performance, year by year

Fiscal 2013–2025 · USD
$-16.13M$32.27M$80.67M$129.07M$177.47M2013201420152016201720182019202020212022202320242025Last 12 moLast 12 monthsLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns ACNB CORP — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

152
funds hold it
0 of 35
superinvestors hold it
$124.40M
held by funds, at market
21.8%
of shares held by funds

Largest fund holders · ACNB CORP’s weight in each

VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.00%of fund net assets
iShares Russell 2000 ETF
IWM · iShares Trust
0.02%of fund net assets
Avantis U.S. Small Cap Value ETF
AVUV · American Century ETF Trust
0.04%of fund net assets
VANGUARD EXTENDED MARKET INDEX FUND
VXF · VANGUARD INDEX FUNDS
0.01%of fund net assets
iShares Russell 2000 Value ETF
IWN · iShares Trust
0.04%of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Could not be determined for this company: bond issues.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

Compare this company with peers, find it in your funds and follow its financial history with your connected AI:

  • “How do ACNB CORP and its peers compare on margins and cash generation over ten years?”
  • “Where did five years of ACNB CORP's earnings go — cash, debt, buybacks, reinvestment?”
  • “What changed in ACNB CORP's last four quarterly filings that the numbers alone won't show?”
See how it works →All research tools with a subscription. Use your own AI account.