Net interest margin expansion or compression driven by Federal Reserve policy and deposit pricing competition
Loan portfolio growth rates in commercial real estate and C&I segments within Pennsylvania footprint
Credit quality metrics including non-performing asset ratios and provision expense trends
Deposit growth and mix shift between non-interest bearing and interest-bearing accounts
moderate-to-high - Regional banks are directly exposed to local economic conditions affecting loan demand, credit quality, and deposit flows. Pennsylvania's economy includes agriculture, manufacturing, and services sectors that correlate with broader industrial production and employment trends. Recessions typically trigger loan loss provisions, reduced lending activity, and margin compression as credit-worthy borrowers become scarce. The 28.9% revenue growth suggests recent expansion benefiting from post-pandemic economic recovery and rate normalization.
High positive sensitivity to rising short-term rates through 2023-2025 as asset yields repriced faster than deposit costs, expanding net interest margin. However, as of February 2026, the bank faces reinvestment risk if rates decline, as higher-yielding loans mature and must be replaced at lower rates. Deposit costs remain sticky downward, creating margin compression risk in easing cycles. The yield curve shape (10Y-2Y spread) directly impacts profitability of maturity transformation activities.
Digital banking disruption from fintech competitors and national banks offering higher deposit rates online, eroding community bank deposit franchise
Branch network obsolescence as customers shift to digital channels, leaving fixed infrastructure costs stranded in rural markets
Regulatory compliance burden disproportionately affecting smaller banks with limited scale to absorb costs of Basel III, CECL accounting, and cybersecurity requirements
value - The 1.3x price-to-book ratio and 2.9x price-to-sales suggest valuation-oriented investors seeking exposure to regional banking recovery. The 7.0% FCF yield and likely dividend (typical for community banks) attracts income-focused investors. Recent 29.5% one-year return indicates momentum investors participated in 2025 rate normalization trade. Not a growth stock given mature market footprint and limited expansion opportunities.
Trend
+5.4% vs SMA 50 · +40.9% vs SMA 200
Momentum
Volume distribution is neutral or leaning toward distribution. No compelling squeeze setup based on current money flow data.
Based on volume distribution analysis. Direct short interest data (short float %, days to cover) is not available in current data sources.
ANALYST ESTIMATES
Analyst consensus estimates · Actuals replace estimates as reported
| Year | Revenue Est. | Rev Gth | EPS Est. | EPS Gth | Range | Analysts |
|---|---|---|---|---|---|---|
FY2023 | $106.7M $104.8M–$108.6M | — | $3.67 | — | ±2% | Low1 |
FY2024 | $108.2M $106.2M–$110.2M | ▲ +1.4% | $3.86 | ▲ +5.2% | ±7% | Low2 |
FY2025 | $154.2M $153.8M–$154.7M | ▲ +42.5% | $4.96 | ▲ +28.6% | ±1% | Moderate3 |
Dividend per payment — last 8 periods
INSTITUTIONAL OWNERSHIP
ACNB News
About
acnb corporation, a financial holding company, provides banking, insurance, and financial services to individual, business, and government customers in the united states. the company offers checking, savings, and money market deposit accounts, as well as time deposits and debit cards. it also provides commercial lending products, such as commercial mortgages, real estate development and construction loans, accounts receivable and inventory financing, and agricultural and governmental loans; consumer lending products comprising home equity loans and lines of credit, automobile and recreational vehicle loans, manufactured housing loans, and personal lines of credit; and mortgage lending programs consisting of personal residential mortgages, and residential construction and investment mortgage loans. in addition, the company provides estate settlement services; other services that are related to testamentary trusts, life insurance trusts, charitable remainder trusts, guardianships, powers
| Symbol | Price | Day % | Mkt Cap↓ | P/E | Rev Grw | Margin | ELO |
|---|---|---|---|---|---|---|---|
ACNB◀ | $52.03 | -1.06% | $531M | 10.6 | +2888.9% | 2174.5% | 1500 |
| $297.81 | -0.70% | $798.0B | 14.1 | +330.7% | 2039.3% | 1503 | |
| $325.75 | +1.00% | $624.4B | 28.0 | +1134.0% | 5014.5% | 1500 | |
| $494.20 | +0.87% | $436.7B | 28.3 | +1641.6% | 4564.7% | 1490 | |
| $49.77 | -0.16% | $353.2B | 11.4 | -45.1% | 1592.6% | 1495 | |
| $192.51 | -1.04% | $303.6B | 16.6 | +1147.7% | 1466.4% | 1526 | |
| $948.47 | -2.11% | $279.8B | 15.9 | -138.4% | 1373.0% | 1526 | |
| Sector avg | — | -0.46% | — | 17.8 | +994.2% | 2603.6% | 1506 |