Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
ACNB Corp. (ACNB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$65.49-2.99%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
5.69 → 5.70 EPS · FY ending Dec 31, 2027 · 3 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 3 to 3; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for ACNB yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
Three published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Quarterly dividend per share increases | ACNB keeps raising its quarterly dividend to return value. | Intact | dividend per share falls below $0.38 next quarter | Dividend per share: $0.92 per share FY2026-Q2; GAAP. Published target: >= $0.42 per share. The target does not explicitly identify fiscal versus calendar quarters. Aug 6, 20260.92 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Review earningsObserved price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
ACNB is a smaller-cap financial company with a durable-earnings profile, not a turnaround story. Its long-term thesis is intact, but the signal recently shifted from mildly favorable to mixed after a period of stronger readings.
Valuation is stretched versus peers, with a durable premium already reflected in expectations. The expectations gap is 0.24, and fragility is rated low, so the evidence points to elevated expectations without a concentrated fragility signal.
Near term, recent earnings beats and performance in the top half of the industry support a steady business picture, while recent financial performance overall is neutral. Earnings quality is robust, but management execution is volatile; dividend delivery is mixed, and share repurchases and the planned brand transition still lack clear evidence of completion.
A guidance cut on the next call would be a meaningful negative, and rate cuts from the current 3.88% could weigh on ACNB and other financial companies. Continued earnings strength and higher guidance from sector bellwethers could support sector momentum, while follow-through on the share authorization and brand transition remains to be demonstrated.
Over the next 1 to 3 years, the thesis rests on robust earnings quality continuing to offset mixed execution and a stretched valuation versus peers. The recent earnings beat is supportive, but the next guidance update and delivery on stated priorities matter. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| Operating income rose from $13.18M to $17.26M. |
| Intact |
| operating income falls below $13M next quarter |
Operating income: $19.684M FY2026-Q3; GAAP. Published target: >= $17.26M. The stored target says 2026-Q1; this source reports FY2026-Q3. Fiscal/calendar alignment needs review. Oct 22, 202619,684,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Share buyback program execution | The company also announced share buybacks to boost shareholder value. | Intact | No buybacks announced or executed in next 4 quarters | Buyback program active (Apr 2026) vs target: active in next 4 quarters April 2026 filing confirms board approval of share buyback alongside special dividend, maintaining active capital allocation. Nov 4, 2026Last status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$5.48 → $5.70 · observed estimates
$0.17B → $0.17B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $5.48 | $171,738,000 | 4 / 3 |
| 2026-07-25 | $5.48 | $171,738,000 | 4 / 3 |
| 2026-07-26 | $5.48 | $171,738,000 | 4 / 3 |
| 2026-07-27 | $5.48 | $171,738,000 | 4 / 3 |
| 2026-07-28 | $5.48 | $171,738,000 | 4 / 3 |
| 2026-07-29 | $5.64 | $174,104,670 | 4 / 3 |
| 2026-07-30 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-07-31 | $5.69 | $174,303,000 | 4 / 3 |
| 2026-08-01 | $5.69 | $174,303,000 | 4 / 3 |
| 2026-08-02 | $5.69 | $174,303,000 | 4 / 3 |
| 2026-08-03 | $5.69 | $174,303,000 | 4 / 3 |
| 2026-08-04 | $5.69 | $174,303,000 | 4 / 3 |
| 2026-08-05 | $5.69 | $174,303,000 | 4 / 3 |
| 2026-08-06 | $5.69 | $174,303,000 | 4 / 3 |
| 2026-08-07 | $5.69 | $174,303,000 | 4 / 3 |
| 2026-08-08 | $5.69 | $174,303,000 | 4 / 3 |
| 2026-08-09 | $5.69 | $174,303,000 | 4 / 3 |
| 2026-08-10 | $5.69 | $174,303,000 | 4 / 3 |
| 2026-08-11 | $5.69 | $174,303,000 | 4 / 3 |
| 2026-08-12 | $5.69 | $174,303,000 | 4 / 3 |
| 2026-08-13 | $5.69 | $174,303,000 | 4 / 3 |
| 2026-08-14 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-08-15 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-08-16 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-08-17 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-08-18 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-08-19 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-08-20 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-08-21 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-08-22 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-08-23 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-08-24 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-08-25 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-08-26 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-08-27 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-08-28 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-08-29 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-08-30 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-08-31 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-01 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-02 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-03 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-04 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-05 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-06 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-07 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-08 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-09 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-10 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-11 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-12 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-13 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-14 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-15 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-16 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-17 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-18 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-19 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-20 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-21 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-22 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-23 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-24 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-25 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-26 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-27 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-28 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-29 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-09-30 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-01 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-02 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-03 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-04 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-05 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-06 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-07 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-08 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-09 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-10 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-11 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-12 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-13 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-14 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-15 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-16 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-17 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-18 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-19 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-20 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-21 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-22 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-23 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-24 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-25 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-26 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-27 | $5.69 | $174,303,000 | 3 / 3 |
| 2026-10-28 | $5.73 | $174,047,333 | 3 / 3 |
| 2026-10-29 | $5.73 | $174,047,333 | 3 / 3 |
| 2026-10-30 | $5.70 | $174,047,333 | 3 / 3 |
| 2026-10-31 | $5.70 | $173,814,000 | 3 / 3 |
| 2026-11-01 | $5.70 | $173,814,000 | 3 / 3 |
| 2026-11-02 | $5.70 | $173,814,000 | 3 / 3 |
| 2026-11-03 | $5.70 | $173,814,000 | 3 / 3 |
| 2026-11-04 | $5.70 | $173,814,000 | 3 / 3 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 2 Buy / Strong Buy · 2 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 0 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
2 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.