XVARY Composite Score
54
/ 100
Below Average
Combines growth, value, risk, and momentum factors into a single institutional-grade score.
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What it is
ACNB is a community bank that makes money from loans, deposits, insurance, mortgages, and trust services across Pennsylvania and Maryland.
How it gets paid
Last year Acnb made ~$152M in revenue. net interest income was the main engine at ~$123.1M, or 81% of sales.
Why it's growing
Revenue grew 40% last year. Whether spread + fee income stay up after Traditions integration—and whether credit quality holds at ~$2.33B net loans—matters more than any single mislabeled “revenue” headline.
What just happened
Q4’25 diluted EPS $1.04; net interest income ~$32.9M and noninterest income ~$4.3M. FY2025 diluted EPS $3.60.
At a Glance
B balance sheet — gets the job done, barely
65/100 earnings predictability — reasonably predictable
~13.7x trailing p/e on FY2025 diluted EPS — the market's not buying it — or you found a deal
~2.8% dividend yield — trailing four quarterly dividends vs. ~$49 price
FY2024 diluted EPS $3.73 (as reported)
XVARY composite: 54/100 — below average
What They Do
ACNB is a community bank that makes money from loans, deposits, insurance, mortgages, and trust services across Pennsylvania and Maryland.
You do not switch your main bank because you got bored. ACNB has 33 community banking offices and 416 employees, which matters in local lending where relationships still decide who gets the call back. It also sells insurance and trust services, so one customer can be worth more than one product.
How They Make Money
~$152M
FY2025 net interest income ~$123.1M + noninterest income ~$28.6M · combined up ~40% vs. FY2024 (merger-affected)
net interest income (FY2025)
~$123.1M
noninterest income (FY2025)
~$28.6M
The Products That Matter
Community lending and deposits
ACNB Bank
~$3.23B consolidated assets
This is the balance-sheet core. Q4’25 net interest income was ~$32.9M—spread between loan/security yields and deposit/funding costs. That spread is still the main engine.
core bank
Insurance brokerage and fee income
ACNB Insurance Services
~$1.9M insurance commissions (Q4’25)
Fee income is less tied to rate moves than spread income. Insurance is one line inside total noninterest income—helpful diversification, not the whole thesis.
fee revenue
Acquired regional bank
Traditions Bancorp
~$73.5M deal · closed feb 1, 2025
This is the bet. The acquisition is the main reason FY2025 income statement lines are not comparable to pre–Feb 1, 2025 standalone ACNB. If integration works, ACNB keeps the scale; if not, “growth” fades as comparables normalize.
the bet
Key Numbers
$3.60
FY2025 diluted EPS
~$108M
FY2024 NII + nonint.
~13.7x
trailing p/e
~2.8%
dividend yield
Financial Health
B
Strength
- balance sheet grade B — adequate — nothing special
- risk rank 3 — safer than 50% of stocks
- price stability 55 / 100
- long-term debt $255M (35% of capital)
B — functional but not a standout on the balance sheet.
Total Return vs. Market
source: institutional data · return history unavailable
What Just Happened
Q4’25 / FY2025
Q4’25 diluted EPS $1.04; net interest income ~$32.9M and noninterest income ~$4.3M. FY2025 diluted EPS $3.60.
Net income was hit by a securities repositioning loss (8-K Dec 5, 2025) and merger-related expenses—read GAAP vs. core non-GAAP in the release. FY2024 diluted EPS was $3.73.
~$32.9M
Q4’25 NII
$1.04
Q4’25 diluted EPS
~40%
FY NII+nonint. vs. FY24
the number that mattered
Whether spread + fee income stay up after Traditions integration—and whether credit quality holds at ~$2.33B net loans—matters more than any single mislabeled “revenue” headline.
source: GlobeNewswire Jan 22, 2026; SEC filings
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What Could Go Wrong
The main risk is specific, not abstract: ACNB paid $73.5M for growth, and investors still do not have many clean quarters showing what the combined bank earns without deal noise.
Med
Post-merger integration misses
Traditions drove much of the ~40% FY2025 NII + noninterest jump. If cost saves miss, loan quality disappoints, or customer retention slips, ACNB is left with a bigger balance sheet and a less convincing earnings story.
If this goes wrong, the headline growth rate gets less impressive fast.
Med
Sale economics got more expensive
On Feb. 20, 2026, ACNB amended agreements to lift change-in-control payouts to 2.99x compensation. That makes any future sale or takeover costlier and shifts a bit more of the economics away from shareholders.
If you own this for takeout optionality, the math just got a little worse.
Med
Regional concentration
Most of the business sits in Pennsylvania and Maryland. A local credit problem or deposit squeeze there hits a ~$3.23B consolidated asset base harder than it would at a larger bank with broader geographic spread.
You are getting local exposure, not diversification.
You are underwriting a ~$73.5M acquisition inside a ~$481M market-cap name with ~$255M long-term borrowings and a B balance sheet. If the deal does not lift recurring earnings, any multiple premium vs. peers is hard to defend.
Source: institutional data · regulatory filings · risk analysis
Pay Attention To
Earnings
Q1 2026 earnings report
Expected on April 24, 2026. Watch net interest margin, credit commentary, and whether the efficiency ratio stays near 53.39% after the acquisition dust settles.
Metric
EPS quality after the easy comparisons fade
$1.04 in quarterly EPS looked strong. The next step is proving results still hold when acquisition benefits and portfolio repositioning stop flattering the comparison.
Integration
Merger updates that sound like operations, not paperwork
Future calls need to sound less like closing mechanics and more like retained customers, stable deposits, and expense control. That's when the deal starts earning its keep.
Risk
Dividend follow-through
The quarterly dividend is now $0.38 after an 18.7% increase. If you own ACNB for income, you want that payout backed by recurring earnings, not by one good post-deal stretch.
Analyst Rankings
earnings predictability
65 / 100
in human-speak, analysts think the numbers are stable enough to model but not stable enough to stop checking margin, credit, and integration costs.
Source: institutional data
Institutional Activity
institutional ownership data for ACNB is being compiled.
Source: institutional data
Price Targets
3-5 year target range
$49
Current price
Target midpoint · from current
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