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Companies / Financials / ACNB Corporation
ACNB

ACNB Corporation

FinancialsBanks & Brokers
Ticker ACNBGETTYSBURG, PAFiscal year ends DecemberBook value per share $41.03Diluted shares 10.2M

ACNB Corporation (Nasdaq: ACNB) is a financial holding company whose subsidiaries provide banking, mortgage, wealth management and insurance services to individuals and businesses in south-central Pennsylvania and northern Maryland. ACNB Bank offers commercial, agricultural, government and consumer lending, deposit… From the company’s description.

Over the twelve months to Sep 30, 2026, ACNB Corporation reported revenue of $164.60M, up 16.4% from a year earlier, and net income of $55.45M. Its pre-tax margin was 42.2%. In fiscal 2025, it reported revenue of $151.70M, up 40.0% from fiscal 2024, and net income of $37.05M.

Fiscal year 2025 · ends 12-31Changes are against fiscal 2024The amber dot is the latest twelve months, to 2026-09-30
Sales & profitability
$151.70MFY2025
+40.0% year over year
Last 12 mo $164.60M
30.27%FY2025
−7 percentage points
Last 12 mo 42.24%
$37.05MFY2025
+16.3% year over year
Last 12 mo $55.45M
8.82%FY2025
−1.7 percentage points
Last 12 mo 13.19%
Cash & financing
$53.64MFY2025
+34.8% year over year
Last 12 mo $80.70M
$52.57MFY2025
+35.4% year over year
Last 12 mo $79.19M
6.60FY2025
Was 6.80× a year earlier
Last 12 mo 6.76
10.3MFY2025
+20.5% year over year
Last 12 mo 10.2M

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 Corporation does

In the company’s own words

ACNB Corporation (Nasdaq: ACNB) is a financial holding company whose subsidiaries provide banking, mortgage, wealth management and insurance services to individuals and businesses in south-central Pennsylvania and northern Maryland. ACNB Bank offers commercial, agricultural, government and consumer lending, deposit services, residential mortgages, trust and investment management, and retail brokerage; ACNB Insurance Services provides property, casualty, health, life and disability insurance to personal and commercial clients. The company reports banking and insurance as separate operating segments. At December 31, 2025, ACNB Bank had $3.21 billion in assets, and the company had 537 full- and part-time employees. Its banking network includes 33 community offices and two loan offices, while its insurance agency is licensed in 46 states. ACNB Bank operates former Traditions Bank offices under the name “Traditions Bank, A Division of ACNB Bank” following ACNB’s 2025 acquisition of Traditions Bancorp. ACNB’s banking business dates to 1857; the corporation was formed in 1982, and it acquired its insurance subsidiary in 2005. Its website is investor.acnb.com.

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

Financial performance, year by year

Fiscal 2011–2025 · USD
$-16.46M$32.92M$82.30M$131.68M$181.06M201120122013201420152016201720182019202020212022202320242025Last 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 Corporation — 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 Corporation’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
—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.

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  • “How do ACNB Corporation and its peers compare on margins and cash generation over ten years?”
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