ACNB on Nasdaq

ACNB CORP

In its 2026 annual report the company says: “ACNB Corporation, headquartered in Gettysburg, Pennsylvania, is the financial holding company for the wholly-owned subsidiaries of ACNB Bank, Gettysburg, Pennsylvania, and ACNB Insurance Services, Westminster, Maryland.”4

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Last updated Oct 21, 2026.

Overview

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  • TickerACNB on Nasdaq1
  • IndustryState Commercial Banks1
  • HeadquartersGettysburg, Pennsylvania1
  • Incorporated inPA2
  • Business address16 Lincoln Square, P O Box 3129, Gettysburg, Pa 173252
  • Filer categoryAccelerated filer2
  • Legal formCorporation

ACNB Corporation, headquartered in Gettysburg, Pennsylvania, is the financial holding company for the wholly-owned subsidiaries of ACNB Bank, Gettysburg, Pennsylvania, and ACNB Insurance Services, Westminster, Maryland. Originally founded in 1857, ACNB Bank serves its marketplace with banking, mortgage and wealth management services, including trust and retail brokerage, via a network of 33 community banking offices and two loan offices located in the Pennsylvania counties of Adams, Berks, Cumberland, Franklin, Lancaster and York and the Maryland counties of Baltimore, Carroll and Frederick. ACNB Insurance Services, the Corporation’s insurance subsidiary, is a full-service agency licensed to do business in 46 states. The agency offers a broad range of property, casualty, health, life and disability insurance serving personal and commercial clients through office locations in Westminster,…4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

19.3%Net margin5
45.1%Revenue growth, 20255
8.8%Return on equity5
0.61×Debt to equity5
$52.6MFree cash flow5

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Mortgage Banking brought in 29% of the revenue ACNB CORP broke down this way in fiscal 2025.

  1. Mortgage Banking$5.3M529%up 1650% from 2024
  2. Deposit Account$4.8M527%up 17% from 2024
  3. Fiduciary and Trust$4.5M525%up 6% from 2024
  4. ATM Service Charges and Debit Card Transactions$3.6M520%up 8% from 2024
Products and services by year
Products and services202320242025
Mortgage Banking$56.0K$301.0K$5.3M
Deposit Account$4.0M$4.1M$4.8M
Fiduciary and Trust$3.6M$4.2M$4.5M
ATM Service Charges and Debit Card Transactions$3.3M$3.3M$3.6M

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Other costs55¢$105.2M
  • Interest21¢$40.1M
  • Income tax5¢$9.4M
  • Profit19¢$37.1M

Out of $191.8M in revenue.5

Where each dollar of operating cash went, fiscal 2025

  • Capital spending2¢$1.1M
  • Dividends paid27¢$14.4M
  • Share buybacks21¢$11.2M
  • Kept or used elsewhere50¢$27.0M

Out of $53.6M of cash from operations.5

Financial statements

Revenue65$191.8M in 2025+76% since 2022
0$50.0M$100.0M$150.0M$200.0M2022: $108.9M$108.9M20222023: $115.1M$115.1M2023+6%2024: $132.2M$132.2M2024+15%2025: $191.8M$191.8M2025+45%
Net income78965$37.1M in 2025+56% since 2019
0$10.0M$20.0M$30.0M$40.0M2019: $23.7M$23.7M20192020: $18.4M$18.4M2020−22%2021: $27.8M$27.8M2021+51%2022: $35.8M$35.8M2022+28%2023: $31.7M$31.7M2023−11%2024: $31.8M$31.8M2024+0%2025: $37.1M$37.1M2025+16%

Every line of the income statement as filed: the last 3 fiscal years, latest first.5

Period ending2025-12-312024-12-312023-12-31
Taxable$142.5M$90.5M$79.4M
Tax-exempt$1.3M$1.2M$1.4M
Taxable$13.2M$10.7M$11.0M
Tax-exempt$1.1M$1.1M$1.2M
Dividends$1.3M$970.0K$331.0K
Other$3.8M$2.8M$3.3M
Total Interest and Dividend Income$163.2M$107.5M$96.6M
Deposits$26.7M$11.2M$3.7M
Short-term borrowings$1.6M$859.0K$898.0K
Long-term borrowings$11.8M$11.8M$3.7M
Total Interest Expense$40.1M$23.9M$8.3M
Net Interest Income$123.1M$83.6M$88.3M
Provision for (reversal of) credit losses$5.3M-$2.4M$860.0K
Reversal of provision for unfunded commitments-$532.0K-$326.0K-$16.0K
Net Interest Income after Provisions for (Reversals of) Credit Losses and Unfunded Commitments$118.4M$86.4M$87.5M
Insurance commissions$9.5M$9.8M$9.3M
Earnings on investment in bank-owned life insurance$2.6M$2.0M$1.9M
Gain on life insurance proceeds$285.0K$0$0
Net (losses) gains on sales or calls of investment securities-$3.5M$69.0K-$5.2M
Net gains (losses) on equity securities$30.0K-$9.0K$18.0K
Gain on assets held for sale$0$0$337.0K
Other$1.6M$963.0K$1.1M
Total Noninterest Income$28.6M$24.7M$18.4M
Salaries and employee benefits$52.8M$42.9M$40.9M
Equipment$9.5M$7.3M$6.5M
Net occupancy$5.2M$4.2M$3.9M
Professional services$2.7M$2.1M$2.3M
Other tax$1.8M$1.4M$1.3M
FDIC and regulatory$1.8M$1.4M$1.4M
Intangible assets amortization$4.3M$1.2M$1.4M
Merger-related$10.7M$2.0M$0
Other$11.8M$8.0M$8.3M
Total Noninterest Expenses$100.5M$70.7M$66.1M
Income Before Income Taxes$46.5M$40.4M$39.8M
Income taxes$9.4M$8.6M$8.2M
Net Income$37.1M$31.8M$31.7M
Basic earnings$3.61$3.75$3.72
Diluted earnings$3.60$3.73$3.71
Weighted average shares outstanding, basic (in shares)10.3M shares8.5M shares8.5M shares
Weighted average shares outstanding, diluted (in shares)10.3M shares8.5M shares8.5M shares

Compare ACNB CORP with another company

Corporate structure

ACNB CORP sits at the top of its group. 2 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of ACNB CORP

  • FMR LLC Filed SCHEDULE 13G/A on ACNB CORP, latest Apr 29, 2026 (4 filings since Feb 9, 2022)
  • VANGUARD GROUP INC Filed SCHEDULE 13G/A on ACNB CORP, latest Mar 26, 2026 (5 filings since Nov 4, 2024)
  • BlackRock Filed SC 13G/A on ACNB CORP, latest Jan 29, 2024 (2 filings since Feb 3, 2023)
  • ACNB CORP Gettysburg, Pennsylvania
    • The Registrant has the following subsidiaries: ACNB Bank, a Pennsylvania state-chartered commercial bank and trust company and ACNB Insurance Services, Inc., incorporated in the State of Subsidiary · Maryland, United States

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What ACNB CORP reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$59.9M5 Dec 31, 2025$53.6M5 Dec 31, 2024+11.7%
Accumulated depreciation$29.2M5 Dec 31, 2025$28.1M5 Dec 31, 2024+3.9%
Property and equipment, net$30.6M5 Dec 31, 2025$25.5M5 Dec 31, 2024+20.4%
Operating-lease assets (leased space)$4.2M5 Dec 31, 2025$2.7M5 Dec 31, 2024+56.0%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$65.6M5 Dec 31, 2025$47.3M5 Dec 31, 2024+38.9%
Debt securities available for sale$466.9M5 Dec 31, 2025$394.0M5 Dec 31, 2024+18.5%
Debt securities held to maturity$63.3M5 Dec 31, 2025$64.6M5 Dec 31, 2024−2.0%
Deposits held (banks)$2.5B5 Dec 31, 2025$1.8B5 Dec 31, 2024+36.7%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$64.4M5 Dec 31, 2025$44.2M5 Dec 31, 2024+45.9%
Intangible assets, net (excluding goodwill)$22.4M5 Dec 31, 2025$7.8M5 Dec 31, 2024+186.2%
Finite-lived intangibles, gross$41.2M5 Dec 31, 2025$22.3M5 Dec 31, 2024+84.5%
Accumulated amortization$18.7M5 Dec 31, 2025$14.5M5 Dec 31, 2024+29.4%
Finite-lived intangibles, net$22.4M5 Dec 31, 2025$7.8M6 Dec 31, 2024+186.2%

Properties, in its own words

The Corporation’s main operations center is located in Gettysburg, Pennsylvania. There are 29 owned and 12 leased buildings, including Community Banking, Insurance and Loan Production offices. All properties are suitable for their intended purposes.

Item 2 of the 10-K filed Mar 12, 2026.4

Leadership

Who has led ACNB CORP, and when. Pick a name to see everywhere that person has worked.

Board members and other officers (28)

Named in SEC Form D filings

People the company listed in its private-offering notices.

  • SVP/Chief Risk Officer of ACNB BankAndrew A. Bradley named Mar 19, 202645
  • EVP/Chief Strategy OfficerBrett D. Fulk named Mar 19, 202645
  • SVP/Chief Human Resources Officer of ACNB BankEmily E. Berwager named Mar 19, 202645
  • DirectorDonald Arthur Seibel, Jr. named Mar 19, 202645
  • DirectorScott L. Kelley named Mar 19, 202645

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • The Registrant has the following subsidiaries: ACNB Bank, a Pennsylvania state-chartered commercial bank and trust company and ACNB Insurance Services, Inc., incorporated in the State of Maryland.3

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

  1. Sep 25, 20268-K Other events46
  2. Jul 29, 20268-K Other events47
  3. Jul 23, 20268-K Results of operations48
  4. May 6, 20268-K Shareholder vote; Regulation FD disclosure49
  5. Apr 29, 20268-K Other events50
  6. Apr 23, 20268-K Results of operations51
  7. Mar 18, 20268-K Executive or director change52
  8. Mar 12, 20268-K Entered a material agreement; New debt or obligation; Regulation FD disclosure53
  9. Mar 2, 20268-K Other events54
  10. Feb 20, 20268-K Executive or director change55
  11. Jan 29, 20268-K Other events56
  12. Jan 22, 20268-K Results of operations57
  13. Jun 19, 2017New chief executive James Helt becomes CEO13
  14. May 22, 2006New chief executive Thomas A. Ritter becomes CEO14

Calendar

Coming up

  1. Oct 22, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported $1.42 a share, on Oct 23, 2025.58

When it reported results

  1. Jul 23, 2026Reported quarterly or annual results48
  2. Apr 23, 2026Reported quarterly or annual results51
  3. Jan 22, 2026Reported quarterly or annual results57
  4. Oct 23, 2025Reported quarterly or annual results59
  5. Jul 24, 2025Reported quarterly or annual results60
  6. Apr 24, 2025Reported quarterly or annual results61
  7. Jan 23, 2025Reported quarterly or annual results62
  8. Oct 24, 2024Reported quarterly or annual results63

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

525 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 92 major events, 370 insider forms, 11 large holders, 1 private raises, 31 other. The latest 20:

  1. Sep 25, 20268-K EDGAR
  2. Sep 17, 20264 EDGAR
  3. Sep 17, 20264 EDGAR
  4. Sep 17, 20264 EDGAR
  5. Sep 17, 20264 EDGAR
  6. Sep 17, 20264 EDGAR
  7. Sep 17, 20264 EDGAR
  8. Sep 17, 20264 EDGAR
  9. Sep 17, 20264 EDGAR
  10. Sep 17, 20264 EDGAR
  11. Sep 17, 20264 EDGAR
  12. Sep 17, 20264 EDGAR
  13. Aug 7, 2026144 EDGAR
  14. Aug 7, 20264 EDGAR
  15. Aug 6, 202610-Q EDGAR
  16. Jul 29, 20268-K EDGAR
  17. Jul 23, 20268-K EDGAR
  18. Jun 17, 20264 EDGAR
  19. Jun 17, 20264 EDGAR
  20. Jun 17, 20264 EDGAR

The 525 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

71 open-market trades by officers, directors and large owners since October 2021: 62 buys and 9 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 15, 2026ELSNER FRANK IIIDirectorBuy4$65.29$250Form 4
Aug 7, 2026Seibel Donald Arthur JrDirectorSale1,500$64.35$96.5KForm 4
Mar 13, 2026ELSNER FRANK IIIDirectorBuy5$46.42$250Form 4
Feb 3, 2026Hayes Kevin JSVP/Secretary & Gen. CounselSale750$51.30$38.5KForm 4
Jan 26, 2026FULK BRETT DSale1,486$48.52$72.1KForm 4
Dec 15, 2025FULK BRETT DSale2,773$52.27$145.0KForm 4
Dec 15, 2025ELSNER FRANK IIIDirectorBuy5$52.65$250Form 4
Dec 11, 2025Seibel Donald Arthur JrDirectorSale5,000$51.00$255.0KForm 4
Nov 20, 2025Kelley Scott LDirectorBuy396$40.00$15.8KForm 4
Sep 15, 2025Lott James JDirectorBuy251$44.83$11.2KForm 4
Sep 15, 2025ELSNER FRANK IIIDirectorBuy6$44.83$259Form 4
Jun 13, 2025ELSNER FRANK IIIDirectorBuy6$40.97$250Form 4
Mar 14, 2025ELSNER FRANK IIIDirectorBuy6$41.75$253Form 4
Dec 13, 2024HELT JAMESPresident & CEOBuy55$45.55$2.5KForm 4
Dec 13, 2024ELSNER FRANK IIIDirectorBuy5$45.55$250Form 4
Sep 13, 2024HELT JAMESPresident & CEOBuy59$42.10$2.5KForm 4
Sep 13, 2024ELSNER FRANK IIIDirectorBuy6$42.10$250Form 4
Aug 19, 2024FULK BRETT DSale2,897$39.06$113.2KForm 4
Aug 15, 2024Potts Daniel WDirectorSale500$40.35$20.2KForm 4
Jun 14, 2024HELT JAMESPresident & CEOBuy81$30.72$2.5KForm 4

All 71 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025James P. HeltPresident & Chief Executive Officer of the Corporation 59$593.6K$1.8M67
2025Laurie A. LaubExecutive Vice President/Chief Credit & Operations Officer of the Bank$334.6K$981.6K67
2025Douglas A. SeibelExecutive Vice President/Chief Revenue & Lending Officer of the Bank$319.7K$870.0K67
2025Brett D. FulkExecutive Vice President/Chief Strategy Officer of ACNB Bank$330.7K$770.5K67
2025Jason H. WeberExecutive Vice President/Chief Financial Officer of the Corporation and the Bank$351.4K$740.3K67
2024James P. HeltPresident & Chief Executive Officer of the Corporation 59$565.5K$1.6M67
2024Laurie A. LaubExecutive Vice President/Chief Credit & Operations Officer of the Bank$321.6K$843.2K67
2024Douglas A. SeibelExecutive Vice President/Chief Revenue & Lending Officer of the Bank$307.4K$827.0K67
2024Brett D. FulkExecutive Vice President/Chief Strategy Officer of ACNB Bank$319.6K$684.6K67
2024Jason H. WeberExecutive Vice President/Chief Financial Officer of the Corporation and the Bank$337.7K$670.3K67
2023James P. HeltPresident & Chief Executive Officer of the Corporation 59$541.2K$1.6M67
2023Douglas A. SeibelExecutive Vice President/Chief Revenue & Lending Officer of the Bank$296.7K$833.8K67
2023Laurie A. LaubExecutive Vice President/Chief Credit & Operations Officer of the Bank$309.2K$821.2K67

Funding

Where the company's money came from, by calendar year: private offerings filed with the SEC, federal grants, loans, contracts and other assistance from USAspending.gov, and PPP loans from the SBA. Each bar links to the records below.

Money received by year$15.0M 2026–2026
Money received by yearMoney received by year, 2026–2026: $15.0M in all. Private raises (Form D) $15.0M.$0$5M$10M$15M2026 · Private raises (Form D): $15.0M2026
Figures by year
YearPrivate raises (Form D)Total
2026$15.0M$15.0M

Private raises

Private offerings the company reported to the SEC on Form D. The amount is what the latest filing says was sold so far, charted in the year of the first sale. Covers filings since Oct 1, 2021.

  1. Mar 12, 2026Raised $15 million in a private offering of debt45 Form D: 13 investors so far Form D

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.705,130$41.9M0.0%+82,553
Vanguard Capital Management LLC434,952$25.8M0.0%+7,295
Private Capital Management, LLC361,337$21.5M1.9%+1,595
Dimensional Fund Advisors LP353,663$21.0M0.0%+18,819
Geode Capital Management, LLC271,775$16.1M0.0%+25,399
American Century Companies Inc263,329$15.6M0.0%+79,709
State Street Corp225,755$13.4M0.0%+30,177
Manufacturers Life Insurance Company, The161,818$9.6M0.0%−1,160
Bridgeway Capital Management, LLC106,511$6.3M0.1%+354
Two Sigma Investments, LP98,822$5.9M0.0%+60,228
Northern Trust Corp97,997$5.8M0.0%+5,428
Vanguard Portfolio Management LLC68,788$4.1M0.0%+10,582
Vanguard Fiduciary Trust Co67,267$4.0M0.0%−182
Maltese Capital Management LLC65,000$3.9M0.7%−20,600
Empowered Funds, LLC64,319$3.8M0.0%+4,562
Citadel Advisors LLC42,927$2.5M0.0%−2,551
Bank of New York Mellon Corp41,447$2.5M0.0%+4,173
Goldman Sachs Group Inc41,050$2.4M0.0%+19,057
Morgan Stanley39,846$2.4M0.0%−11,530
Aqr Capital Management LLC37,944$2.3M0.0%+28,659
Fisher Asset Management, LLC31,250$1.9M0.0%+4,954
Bank Of America Corp /de/31,104$1.8M0.0%−2,083
Charles Schwab Investment Management Inc29,964$1.8M0.0%+2,722
Millennium Management LLC24,512$1.5M0.0%+4,391
Renaissance Technologies LLC24,356$1.4M0.0%−200

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How ACNB CORP is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARACNB CORP1
  • CIK0000715579
  • Employer ID (EIN)23-22334574
  • Filer statusAccelerated filer not an emerging growth company; not a smaller reporting company; not a shell company4
  • Incorporated inPennsylvania4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address16 Lincoln Square, P O Box 3129, Gettysburg, PA 173251
  • Mailing addressP O Box 3129, 16 Lincoln Square, Gettysburg, PA 173251
  • Phone71733431611
  • Shares outstanding10,169,930 as of Jul 30, 202611
  • Public float$432.3M as of Jun 30, 20254
  • AuditorCrowe LLP, Franklin, TN PCAOB ID 173; it also attests to the company’s internal control over financial reporting4
  • On EDGAR sinceApr 15, 19941
  • Filings1,863 in all: 4 (1,094), 8-K (327), 5 (110), 10-Q (98), DEF 14A (34), 3 (32), 4/A (30), 10-K (27)1
    All 38 form types

    CORRESP (12), UPLOAD (11), 425 (10), 8-K/A (9), SC 13G/A (6), 10-K405 (5), EFFECT (5), S-4/A (5), SC 13G (5), 424B3 (4), ARS (4), PRE 14A (4), S-4 (4), S-8 (3), SCHEDULE 13G/A (3), 10-K/A (2), 3/A (2), D (2), DEFA14A (2), S-3 (2), S-3D (2), 10-K405/A (1), 10-Q/A (1), 144 (1), 5/A (1), 8-A12B (1), CERTNAS (1), S-3DPOS (1), S-8 POS (1), SCHEDULE 13G (1)

  • Latest filingsAnnual report (10-K) Mar 12, 2026
    Quarterly report (10-Q) Aug 6, 2026
    Proxy statement (DEF 14A) Mar 30, 2026
    Latest 8-K (8-K) Sep 25, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, $2.50 par value per shareACNBThe NASDAQ Stock Market, LLC

From the cover page of the 10-K filed Mar 12, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

The risks ACNB CORP names in Item 1A of its 10-K filed Mar 12, 2026: 4 risks under these headings, as written.4

  • CREDIT RISKS
  • BUSINESS RISKS
  • STRATEGIC AND EXTERNAL RISKS
  • WEALTH MANAGEMENT AND INSURANCE INDUSTRY RISKS

Legal proceedings

As of December 31, 2025, there were no material pending legal proceedings, other than ordinary routine litigation incidental to and in the ordinary course of the business, to which ACNB or its subsidiaries are a party or by which any of their assets are the subject, which could have a material adverse effect on ACNB or its subsidiaries or their financial condition or results of operations. In addition, no material proceedings are pending or are known to be threatened or contemplated against the Corporation or its subsidiaries by governmental authorities.

The opening of Item 3, Legal Proceedings.4

Sources

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