ACNB (ACNB)
Provides community banking, mortgage, wealth-management, and insurance services in Pennsylvania and Maryland.
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Operates ACNB Bank and ACNB Insurance Services, combining commercial and consumer banking with mortgage, wealth-management, and insurance offerings. The platform is rooted in south-central Pennsylvania and northern Maryland, while its insurance operations serve personal and commercial clients in multiple states.
Runs two operating platforms: ACNB Bank and ACNB Insurance Services. The bank provides commercial and consumer banking, mortgage services through Traditions Mortgage, and trust, investment-management, and retail-brokerage services under ACNB Wealth Management.
Banking activity is concentrated in south-central Pennsylvania and northern Maryland, where a community-banking model centers on relationship-based local service. Its footprint grew through acquisitions, including the addition of Traditions Bank offices to ACNB Bank.
ACNB Insurance Services serves personal and commercial clients with property, casualty, health, life, and disability coverage. The insurance unit operates separately from the bank and is licensed across multiple states, making diversification beyond banking a structural part of the platform.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Jun 26, 2026 | Piper Sandler | Reiterate | Rating: —Target: $58 | Target: $65 |
| May 27, 2026 | Hovde Group | Downgrade | Target: — | Target: $57 |
| Apr 28, 2026 | Piper Sandler | Reiterate | Rating: —Target: $52 | Target: $58 |
| Oct 30, 2025 | Piper Sandler | Reiterate | Rating: —Target: $37 | Target: $52 |
| Mar 3, 2025 | Piper Sandler | Upgrade |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $28.0M · Total debt $327.4M · Total assets $3.32B · Shareholders' equity $423.3M
- Revenue
- $52.5M
- Operating income
- $19.2M
- Net income
- $15.2M
HistoryDividendAnnual yield
| Institutions | ≈ 40.99% | 4.17M shares | |
|---|---|---|---|
| 119 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 3.90% | 396.4K shares | |
| 21 holders · as of Sep 17, 2026 | |||
| Other | ≈ 55.11% | 5.60M shares | |
| remainder | |||
10.17M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 6.93% | 705,130 | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 4.28% | 434,952 | as of Jun 30, 2026 |
Private Capital Management, LLCInstitution | 3.55% | 361,337 | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 3.48% | 353,663 | as of Jun 30, 2026 |
Geode Capital Management, LLCInstitution | 2.67% | 271,775 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 15, 2026 | Frank Iii Elsner | director | +4 | $65.29 |
| Aug 7, 2026 | Donald Arthur Jr Seibel | director | −1,500 | $64.35 |
| Mar 13, 2026 | Frank Iii Elsner | director | +5 | $46.42 |
| Feb 3, 2026 | Kevin J. Hayes | officer: SVP/Secretary & Gen. Counsel | −750 | $51.30 |
| Jan 26, 2026 | Brett D. Fulk | other: ACNB Bank EVP | −1,486 | $48.52 |
- Orrstown Financial Services
Community-bank overlap across south-central PA and northern MD
- Fulton Financial
Regional overlap in deposits, lending, mortgages, and wealth
- F.N.B.
Regional banking overlap across Pennsylvania and Maryland
- M&T Bank
Direct branch overlap in Gettysburg and Frederick banking markets
- PNC Financial Services Group
Larger-bank presence across Pennsylvania and Maryland markets
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| ACNB | $63.31 | −0.99% | $653.0M | 12.1 | 11.1 | 3.3 | −14.8% |
| Orrstown Financial Services | $41.44 | −0.29% | $816.6M | 9.0 | 9.6 | 2.3 | +0.4% |
| Fulton Financial | $22.91 | −0.50% | $4.40B | 11.0 | 10.4 | 2.3 | +13.5% |
| F.N.B. | $17.47 | −0.85% | $6.27B | 10.5 | 9.8 | 2.3 | +5.6% |
| M&T Bank | $220.88 | −1.14% | $32.38B | 11.8 | 11.1 | 2.6 | +5.7% |
| PNC Financial Services Group | $225.38 | −1.13% | $90.96B | 12.5 | 11.1 | 2.6 | +21.4% |
| Median | 11.0 | 10.4 | 2.3 | +5.7% |