ACNB
Financial ServicesACNB Corporation · Banks - Regional · $560M
What is ACNB Corporation?
ACNB Corporation is a Pennsylvania-based financial holding company serving individual, business, and government customers through community banking, insurance, and financial services. Headquartered in Gettysburg, it operates a regional network of community banking offices.
ACNB generates revenue through deposit-taking, commercial and consumer lending, mortgage origination, trust and investment management services, and insurance products. Its banking segment offers checking, savings, and money market accounts alongside a range of loan products. The insurance arm provides property, casualty, health, life, and disability coverage to both commercial and individual clients.
ACNB Corporation was founded in 1994 and is headquartered in Gettysburg, Pennsylvania.
- Commercial and consumer lending
- Mortgage lending programs
- Trust and investment management
- Property, casualty, and life insurance
Is ACNB a Good Stock to Buy?
UQS Score rates ACNB as Below Average overall, reflecting meaningful weaknesses alongside some areas of relative strength.
The Quality pillar stands out as the clearest positive, suggesting the bank maintains reasonable operational discipline. Valuation is rated Attractive, meaning the stock does not appear expensive relative to its fundamentals — a potential consideration for value-oriented investors.
Both the Moat and Risk pillars are rated Weak, indicating limited competitive differentiation and above-average risk factors. Growth is rated Neutral, pointing to a modest near-term trajectory.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does ACNB pay dividends?
Yes — ACNB Corporation pays a dividend.
ACNB pays a regular dividend, consistent with many community banks that return capital to shareholders through income distributions. This cadence can appeal to income-focused investors. Given the bank's regional scale and business model, dividend continuity tends to reflect management's confidence in ongoing earnings generation.
When does ACNB report earnings?
ACNB Corporation reports earnings on a quarterly cadence, typical for US-listed financial holding companies.
As a community bank, ACNB's quarterly results are shaped by net interest income, loan growth, credit quality, and fee-based revenue from insurance and trust services. Shifts in the interest rate environment tend to have an outsized influence on performance relative to larger diversified banks.
For the most recent quarter's results, visit ACNB Corporation's investor relations page directly.
ACNB Price History
+102.7% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in ACNB Corporation?
Based on ACNB Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
ACNB Long-term Outlook
ACNB's Growth pillar is rated Neutral, suggesting the company is not expected to meaningfully outpace or underperform its community banking peers in the near term. The Weak Risk rating warrants attention, as credit and interest rate exposures could weigh on results if the macro environment deteriorates. The Attractive Valuation label may offer some downside cushion, but the Weak Moat limits confidence in sustained above-average returns.
Growth drivers
- Expansion of commercial lending within its regional footprint
- Fee income growth from trust, investment management, and insurance services
Key risks
- Limited competitive moat in a crowded community banking landscape
- Sensitivity to interest rate changes affecting net interest margins
- Credit quality risk tied to regional economic conditions
ACNB vs Peers
ACNB operates in a competitive community banking space alongside several similarly sized regional peers.
Carter Bankshares focuses on community banking across Virginia and North Carolina, competing with ACNB on commercial and consumer lending in adjacent regional markets.
Flushing Financial serves the New York metro area with a concentration in real estate lending, giving it a distinct geographic and product focus compared to ACNB's Pennsylvania-centric footprint.
Unity Bancorp operates in New Jersey and Pennsylvania, overlapping with ACNB's market and competing across similar small business and consumer banking segments.
Frequently Asked Questions
What does ACNB Corporation do?
ACNB Corporation is a financial holding company that provides banking, insurance, and financial services to individuals, businesses, and government entities. It offers deposit accounts, commercial and consumer loans, mortgage programs, trust and investment management, and property and casualty insurance through a network of community banking offices in Pennsylvania.
Does ACNB pay dividends?
Yes, ACNB pays a regular dividend. This is common among community banks that prioritize returning capital to shareholders through consistent income distributions. Investors seeking dividend income should review the current yield and payout history on ACNB's investor relations page for the most up-to-date figures.
When does ACNB report earnings?
ACNB Corporation reports earnings quarterly, in line with standard practice for US-listed financial holding companies. For exact dates of upcoming earnings releases, check the company's investor relations page or a financial calendar service.
Is ACNB a good stock to buy?
UQS Score rates ACNB as Below Average overall. While the Quality pillar is rated Good and Valuation is Attractive, the Moat and Risk pillars are both rated Weak. This profile may suit certain value-oriented investors but warrants careful consideration of the risk factors involved. See the full breakdown by signing up at UQS Score.
Is ACNB overvalued?
According to the UQS Valuation pillar, ACNB is rated Attractive, suggesting the stock does not appear overpriced relative to its fundamentals. However, an attractive valuation alone does not offset weaknesses in other areas such as moat and risk. Pro members can view the complete valuation metrics behind this rating.
How does ACNB compare to its competitors?
ACNB competes with regional community banks such as Carter Bankshares, Flushing Financial, and Unity Bancorp. Each operates in overlapping or adjacent markets with similar business models. ACNB's Pennsylvania-centered footprint and combined banking-insurance offering distinguish it modestly, though its Weak Moat rating reflects limited differentiation in a competitive landscape.
What is ACNB's market cap bracket?
ACNB Corporation is classified as a small-cap company. This places it among smaller publicly traded financial institutions, which typically carry different liquidity and volatility characteristics compared to large-cap or mega-cap banks.
Who founded ACNB Corporation?
ACNB Corporation was established in 1994 as a financial holding company headquartered in Gettysburg, Pennsylvania. For detailed founding history and leadership background, the company's official website and investor relations materials are the most reliable sources.
Is ACNB a long-term quality investment?
From a long-term quality perspective, ACNB's UQS profile presents a mixed picture. The Good Quality rating indicates reasonable operational fundamentals, but the Weak Moat suggests limited ability to defend its market position over time. Long-term investors should weigh the Attractive Valuation against the Risk and Moat weaknesses before forming a view.
What is the main competitive advantage of ACNB Corporation?
ACNB's primary competitive positioning stems from its deep community banking relationships in south-central Pennsylvania, combined with an integrated insurance offering that adds fee-based revenue diversity. However, the UQS Moat pillar is rated Weak, indicating these advantages may not be sufficiently durable relative to broader banking sector peers.
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Pro Analysis
ACNB — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 23, 2026 | 54.8 | 85.8 | 22.0 | 48.3 | 29.6 | 91.6 | +0.1 |
| May 22, 2026 | 54.7 | 85.8 | 22.0 | 48.3 | 29.6 | 91.2 | -0.1 |
| May 21, 2026 | 54.8 | 85.8 | 22.0 | 48.3 | 29.6 | 91.7 | -0.1 |
| May 20, 2026 | 54.9 | 85.8 | 22.0 | 48.3 | 29.6 | 92.3 | 0.0 |
| May 17, 2026 | 54.9 | 85.8 | 22.0 | 48.3 | 29.6 | 92.4 | -0.1 |
| May 16, 2026 | 55.0 | 85.8 | 22.0 | 48.3 | 29.6 | 92.8 | +0.1 |
| May 14, 2026 | 54.9 | 85.8 | 22.0 | 48.3 | 29.6 | 92.2 | 0.0 |
| May 13, 2026 | 54.9 | 85.8 | 22.0 | 48.3 | 29.6 | 92.1 | 0.0 |
| May 12, 2026 | 54.9 | 85.8 | 22.0 | 48.3 | 29.6 | 92.2 | +0.1 |
| May 11, 2026 | 54.8 | 85.8 | 22.0 | 48.3 | 29.6 | 91.6 | +0.4 |
ACNB — Pillar Breakdown
Quality
— 85.8/100 (25%)ACNB Corporation demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 48.3/100 (20%)ACNB Corporation shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 29.6/100 (15%)ACNB Corporation presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 93.2/100 (15%)ACNB Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 22/100 (25%)ACNB Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for ACNB.
Score Composition
Financial Data
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How is the ACNB UQS Score Calculated?
The UQS (Unified Quality Score) for ACNB Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses ACNB Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether ACNB Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.