ACNB Corp. (ACNB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$65.95+0.52%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · ACNB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 1.7% |
| Our one-year growth estimate | diamond | -10.2% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 11.9 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
ACNB — dividend update
Dated 2026-07-29
Other Events As more fully described in the attached press release dated July 29, 2026, the Board of Directors (“Board”) of ACNB Corporation (“ACNB”) approved and declared the regular quarterly cash dividend for the third quarter of 2026 on July 28, 2026. The regular quarterly cash dividend of $0.42 per share of common stock is payable on September 15, 2026, to shareholders of record as of September 1, 2026. A copy of the press release announcing these actions is attached hereto as Exhibit 99…
Why it matters: ACNB confirmed a $0.42 dividend. This shows they want to give value to shareholders.
Supportive ifThe dividend is paid on September 15, 2026, as scheduled.
Worry ifThe dividend payment is delayed or canceled.
Why it matters: Changes in dividends show how much management trusts the company's money situation. This affects what shareholders make.
Supportive ifACNB plans to raise the regular quarterly cash dividend above $0.42.
Worry ifACNB will not raise or will lower the regular quarterly cash dividend.
Why it matters: Share buybacks can increase value for shareholders. They also show that management trusts the company.
Supportive ifACNB announces a new share buyback program or increases the existing one.
Worry ifThere are no new share buyback plans or cuts to current buyback plans.
Why it matters: A drop in revenue growth could signal a slowdown in the financial sector. This affects ACNB's performance.
Worry ifACNB's revenue growth drops below the median of 15% year over year.
Less concerning ifRevenue growth remains above the median of 15% year over year.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$92 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $242 loss on $10,000 · 2.4% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,419 loss on $10,000 · 14.2% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Loan growth is important for ACNB. This is especially true for commercial real estate.
Supportive ifTotal loans outstanding grow by more than 2.1% from Q2 2026.
Worry ifLoan growth is less than 2.1% or declines.
Why it matters: A stable or better net interest margin shows ACNB is managing interest income and costs well.
Supportive ifFTE net interest margin remains at or above 4.5% for Q3.
Worry ifFTE net interest margin falls below 4.5% in Q3.
Why it matters: Strong loan growth in commercial real estate helps ACNB grow and make money.
Supportive ifTotal loans increase by over 2% from last quarter, mainly in commercial real estate.
Worry ifLoan growth in commercial real estate falls below 1% quarter over quarter.
Why it matters: Strong growth in noninterest income shows good diversification and strength. It helps overall revenue grow.
Supportive ifNoninterest income grows more than 10% YoY in Q3.
Worry ifNoninterest income growth is less than 5% YoY in Q3.
Why it matters: A steady rise in dividends shows that ACNB cares about its shareholders.
Supportive ifLook for a quarterly dividend increase over $0.42 per share.
Worry ifNo increase in the quarterly dividend from the current $0.42 per share.
Why it matters: A drop in revenue growth could indicate a slowdown in ACNB's performance.
Worry ifRevenue growth reported below the median of 15% year over year.
Less concerning ifRevenue growth remains above the median of 15% year over year.
Why it matters: Earnings results will show if ACNB keeps making good profits and growing.
Watch forNet income exceeds $15.2 million, showing continued growth.
Also watch forNet income is under $15.2 million. This may mean there are problems.