ACNB CORP

ACNB · State Commercial Banks · 10.2M shares · -1%/yr ↓ buyback · EDGAR filings ↗

Net buyback after stock comp: $1M (gross $2M, SBC $1M)

Reference price $46.42 · est. market cap ~$474M — last insider purchase, 2026-03-13 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)

Grade

C62

ACNB Corp — small Pennsylvania bank/insurer with average returns.

Strengths

Solid net margin and FCF
Insurance-agency fee diversification

Risks

ROE 8.8% (36th) below median
Higher leverage (89th pct)
Low cash position (22nd)

Notable findings

Exec changeRecent 8-K item 5.02 8-K ↗
Insider sellingInsider selling — 2 open-market sale(s) by 2 insider(s) (cluster of 2 insiders, last 6mo) Form 4 ↗

Quarterly revenue

2025-06-30 · $50M2025-09-30 · $51M2025-12-31 · $47M2026-03-31 · $51M

Last 4 quarters · from SEC filings.

Key metrics

Net margin

19.3%

Return on equity

8.8%

Return on assets

1.1%

Revenue growth (QoQ)

7.0%

Net-income growth

16.3%

Debt / equity

0.6×

Free cash flow

$53M

Tangible book value

$333M

Cash & investments

$66M

Stock comp / revenue

0.7%

Insider transactions · last 18 months

Date	Insider	Type	Shares	Price
2026-06-15	Carson Elizabeth F.	Grant	182	$56.51
2026-06-15	Seibel Donald Arthur Jr	Grant	243	$56.51
2026-06-15	ELSNER FRANK III	Grant	182	$56.51
2026-06-15	ELSNER FRANK III	Grant	4	$56.51
2026-06-15	Newell Donna M	Grant	243	$56.51
2026-06-15	Herring Todd L	Grant	243	$56.51
2026-06-15	Lott James J	Grant	182	$56.51
2026-06-15	Polli John M.	Grant	243	$56.51
2026-06-15	Chiaruttini Alexandra C	Grant	243	$56.51
2026-06-15	Chaney Kimberly S	Grant	182	$56.51
2026-06-15	Draganosky Eugene J.	Grant	182	$56.51
2026-06-15	Stock Alan J	Grant	243	$56.51
2026-03-13	Seibel Donald Arthur Jr	Grant	296	$46.42
2026-03-13	Kelley Scott L	Grant	222	$46.42
2026-03-13	Draganosky Eugene J.	Grant	222	$46.42
2026-03-13	FULK BRETT D	Grant	3.2K	$46.42
2026-03-13	FULK BRETT D	Tax withheld	315	$46.42
2026-03-13	ELSNER FRANK III	Grant	222	$46.42
2026-03-13	ELSNER FRANK III	Buy	5	$46.42
2026-03-13	Potts Daniel W	Grant	222	$46.42
2026-03-13	Berwager Emily E	Grant	1.7K	$46.42
2026-03-13	Berwager Emily E	Tax withheld	181	$46.42
2026-03-13	Lott James J	Grant	222	$46.42
2026-03-13	Chaney Kimberly S	Grant	222	$46.42
2026-03-13	Herring Todd L	Grant	296	$46.42
2026-03-13	Newell Donna M	Grant	296	$46.42
2026-03-13	Polli John M.	Grant	296	$46.42
2026-03-13	Chiaruttini Alexandra C	Grant	296	$46.42
2026-03-13	Carson Elizabeth F.	Grant	222	$46.42
2026-03-13	Hayes Kevin J	Grant	1.7K	$46.42
2026-03-13	Hayes Kevin J	Tax withheld	192	$46.42
2026-03-13	Stock Alan J	Grant	296	$46.42
2026-03-13	Bradley Andrew A	Grant	1.7K	$46.42
2026-03-13	Bradley Andrew A	Tax withheld	192	$46.42
2026-03-13	Seibel Douglas A	Grant	3.1K	$46.42
2026-03-13	Seibel Douglas A	Tax withheld	297	$46.42
2026-03-13	Laub Laurie A	Grant	3.3K	$46.42
2026-03-13	Laub Laurie A	Tax withheld	374	$46.42
2026-03-13	Weber Jason H	Grant	3.4K	$46.42
2026-03-13	Weber Jason H	Tax withheld	330	$46.42
2026-03-13	HELT JAMES	Grant	8.4K	$46.42
2026-03-13	HELT JAMES	Tax withheld	800	$46.42
2026-02-03	Hayes Kevin J	Sell	750	$51.30
2026-01-26	FULK BRETT D	Sell	1.5K	$48.52
2026-01-01	HELT JAMES	Tax withheld	1.7K	$48.30
2026-01-01	Weber Jason H	Tax withheld	800	$48.30
2026-01-01	Hayes Kevin J	Tax withheld	334	$48.30
2026-01-01	Bradley Andrew A	Tax withheld	180	$48.30
2026-01-01	Seibel Douglas A	Tax withheld	724	$48.30
2026-01-01	Berwager Emily E	Tax withheld	372	$48.30
2026-01-01	Laub Laurie A	Tax withheld	885	$48.30
2026-01-01	FULK BRETT D	Tax withheld	772	$48.30
2025-12-15	Kelley Scott L	Grant	150	$52.65
2025-12-15	Carson Elizabeth F.	Grant	150	$52.65
2025-12-15	Polli John M.	Grant	214	$52.65
2025-12-15	Herring Todd L	Grant	214	$52.65
2025-12-15	Potts Daniel W	Grant	150	$52.65
2025-12-15	Chiaruttini Alexandra C	Grant	150	$52.65
2025-12-15	Stock Alan J	Grant	214	$52.65
2025-12-15	Draganosky Eugene J.	Grant	150	$52.65
2025-12-15	FULK BRETT D	Sell	2.8K	$52.27
2025-12-15	ELSNER FRANK III	Grant	150	$52.65
2025-12-15	ELSNER FRANK III	Buy	5	$52.65
2025-12-15	Chaney Kimberly S	Grant	150	$52.65
2025-12-15	Lott James J	Grant	214	$52.65
2025-12-15	Newell Donna M	Grant	214	$52.65
2025-12-15	Seibel Donald Arthur Jr	Grant	150	$52.65
2025-12-11	Seibel Donald Arthur Jr	Sell	5.0K	$51.00
2025-11-20	Kelley Scott L	Buy	396	$40.00
2025-09-15	Polli John M.	Grant	251	$44.83
2025-09-15	Carson Elizabeth F.	Grant	176	$44.83
2025-09-15	Draganosky Eugene J.	Grant	176	$44.83
2025-09-15	Chiaruttini Alexandra C	Grant	176	$44.83
2025-09-15	Chaney Kimberly S	Grant	176	$44.83
2025-09-15	Seibel Donald Arthur Jr	Grant	176	$44.83
2025-09-15	Herring Todd L	Grant	251	$44.83
2025-09-15	Kelley Scott L	Grant	176	$44.83
2025-09-15	Newell Donna M	Grant	251	$44.83
2025-09-15	Lott James J	Buy	251	$44.83
2025-09-15	Potts Daniel W	Grant	176	$44.83
2025-09-15	Stock Alan J	Grant	251	$44.83
2025-09-15	ELSNER FRANK III	Grant	176	$44.83
2025-09-15	ELSNER FRANK III	Buy	6	$44.83
2025-06-13	Stock Alan J	Grant	275	$40.97
2025-06-13	Draganosky Eugene J.	Grant	192	$40.97
2025-06-13	Newell Donna M	Grant	275	$40.97
2025-06-13	Herring Todd L	Grant	275	$40.97
2025-06-13	Lott James J	Grant	275	$40.97
2025-06-13	Polli John M.	Grant	275	$40.97
2025-06-13	Seibel Donald Arthur Jr	Grant	192	$40.97
2025-06-13	Chaney Kimberly S	Grant	192	$40.97
2025-06-13	Kelley Scott L	Grant	192	$40.97
2025-06-13	Carson Elizabeth F.	Grant	192	$40.97
2025-06-13	ELSNER FRANK III	Grant	192	$40.97
2025-06-13	ELSNER FRANK III	Buy	6	$40.97
2025-06-13	Potts Daniel W	Grant	192	$40.97
2025-06-13	Chiaruttini Alexandra C	Grant	192	$40.97
2025-03-14	Chiaruttini Alexandra C	Grant	191	$41.27
2025-03-14	Stock Alan J	Grant	273	$41.27
2025-03-14	Carson Elizabeth F.	Grant	127	$41.27
2025-03-14	Potts Daniel W	Grant	191	$41.27
2025-03-14	Seibel Donald Arthur Jr	Grant	191	$41.27
2025-03-14	Kelley Scott L	Grant	191	$41.27
2025-03-14	Lott James J	Grant	273	$41.27
2025-03-14	Chaney Kimberly S	Grant	191	$41.27
2025-03-14	Herring Todd L	Grant	273	$41.27
2025-03-14	Newell Donna M	Grant	273	$41.27
2025-03-14	Polli John M.	Grant	182	$41.27
2025-03-14	Draganosky Eugene J.	Grant	127	$41.27
2025-03-14	ELSNER FRANK III	Buy	6	$41.75
2025-03-14	ELSNER FRANK III	Grant	191	$41.27
2025-03-14	Bradley Andrew A	Grant	1.6K	$41.27
2025-03-14	Bradley Andrew A	Tax withheld	180	$41.27
2025-03-14	FULK BRETT D	Grant	3.1K	$41.27
2025-03-14	FULK BRETT D	Tax withheld	306	$41.27
2025-03-14	Hayes Kevin J	Grant	1.4K	$41.27
2025-03-14	Hayes Kevin J	Tax withheld	135	$41.27
2025-03-14	Weber Jason H	Grant	3.3K	$41.27
2025-03-14	Weber Jason H	Tax withheld	320	$41.27
2025-03-14	Berwager Emily E	Grant	1.6K	$41.27
2025-03-14	Berwager Emily E	Tax withheld	144	$41.27
2025-03-14	Laub Laurie A	Grant	3.2K	$41.27
2025-03-14	Laub Laurie A	Tax withheld	354	$41.27
2025-03-14	HELT JAMES	Grant	7.7K	$41.27
2025-03-14	HELT JAMES	Tax withheld	734	$41.27
2025-03-14	Seibel Douglas A	Grant	3.0K	$41.27
2025-03-14	Seibel Douglas A	Tax withheld	289	$41.27
2025-02-01	Kelley Scott L	Grant	730	—
2025-01-01	Weber Jason H	Tax withheld	869	$39.66
2025-01-01	Seibel Douglas A	Tax withheld	791	$39.66
2025-01-01	Weber Jason H	Tax withheld	1.2K	$39.66
2025-01-01	FULK BRETT D	Tax withheld	411	$39.66
2025-01-01	Hayes Kevin J	Tax withheld	306	$39.66
2025-01-01	Berwager Emily E	Tax withheld	395	$39.66
2025-01-01	HELT JAMES	Tax withheld	1.9K	$39.66
2025-01-01	Laub Laurie A	Tax withheld	941	$39.66

All non-derivative Form 4 activity (SEC), newest first.

Notable events (8-K)

Date	Items
2026-05-06	Shareholder voteReg FDExhibits	filing ↗
2026-04-29	OtherExhibits	filing ↗
2026-04-23	ResultsExhibits	filing ↗
2026-03-18	Exec/director changeExhibits	filing ↗
2026-03-12	Material agreementDebt obligationReg FDExhibits	filing ↗
2026-03-02	Other	filing ↗
2026-02-20	Exec/director changeExhibits	filing ↗
2026-01-29	OtherExhibits	filing ↗

Recent filings

Form	Filed	Period	Accession
10-Q	2026-05-07	2026-03-31	0001628280-26-031924 ↗
8-K	2026-05-06	2026-05-05	0001628280-26-030938 ↗
8-K	2026-04-29	2026-04-28	0001628280-26-028132 ↗
8-K	2026-04-23	2026-04-23	0001628280-26-026708 ↗
8-K	2026-03-18	2026-03-13	0001628280-26-019066 ↗
10-K	2026-03-12	2025-12-31	0001628280-26-017229 ↗
8-K	2026-03-12	2026-03-12	0001628280-26-017204 ↗
8-K	2026-03-02	2026-02-27	0001628280-26-013096 ↗
8-K	2026-02-20	2026-02-19	0001628280-26-010034 ↗
8-K	2026-01-29	2026-01-27	0001628280-26-003978 ↗
8-K	2026-01-22	2026-01-22	0001628280-26-002992 ↗
8-K	2025-12-05	2025-12-02	0001628280-25-055482 ↗