ACNB Corp. (ACNB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$65.49-2.99%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
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 | 15.4% |
| Our one-year growth estimate | diamond | -11.8% |
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.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
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 27.3 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
ACNB — dividend update
Dated 2026-10-28
Other Events As more fully described in the attached press release dated October 28, 2026, the Board of Directors (“Board”) of ACNB Corporation (“ACNB”) approved and declared the regular quarterly cash dividend for the fourth quarter of 2026 on October 27, 2026. The regular quarterly cash dividend of $0.46 per share of common stock is payable on December 15, 2026, to shareholders of record as of December 1, 2026. In addition, on October 27, 2026, the Board of ACNB declared a special cash divi…
Why it matters: The margin stayed at 4.56% in Q3 and was above last year's level. A drop could weaken earnings momentum.
Worry ifQ4 2026 FTE net interest margin falls below 4.56%.
Less concerning ifQ4 2026 FTE net interest margin stays at or above 4.56%.
Why it matters: ACNB bought 11,288 shares in Q3, with 242,404 shares left in its plan. More purchases would show continued use of this capital return tool.
Supportive ifA later quarterly report shows more shares repurchased and fewer than 242,404 shares left in the plan.
Worry ifA later quarterly report shows no more repurchases. The plan still has 242,404 shares left.
Why it matters: Management cited one credit issue in Q3 but said overall credit measures remained sound. A further issue could challenge that view.
Worry ifThe next results report another single credit issue. Or they show weaker credit measures than Q3.
Less concerning ifThe next results report no new credit issue and say credit measures remain sound.
Why it matters: ACNB plans to bring the York County bank and mortgage business under one name. A completed change would mark progress on the stated plan.
Supportive ifBy the end of Q1 2027, York County banking uses the ACNB Bank name and mortgage uses ACNB Mortgage.
Worry ifThe planned change is delayed past Q1 2027, or either division keeps the Traditions name.
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 | ±$81 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $232 loss on $10,000 · 2.3% | 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.