ACNB Corporation is a Pennsylvania-incorporated financial holding company providing banking, insurance, and wealth management services to individual, business, and government customers across the United States. Founded in 1857 and headquartered in Gettysburg, Pennsylvania, the company operates as a regional financial services provider with a market capitalization of approximately $500 million.
The company's banking operations include deposit products such as checking, savings, money market, and time deposit accounts, along with debit card services. Its lending portfolio spans commercial mortgages, real estate development and construction loans, accounts receivable and inventory financing, agricultural lending, and government loans on the commercial side. Consumer lending offerings include home equity products, automobile and recreational vehicle financing, manufactured housing loans, and personal lines of credit. The mortgage segment provides residential mortgages and investment property financing.
Beyond banking, ACNB generates revenue through trust services covering testamentary trusts, life insurance trusts, charitable remainder trusts, and investment management accounts. The company also operates an insurance division offering property and casualty, health, life, and disability coverage to commercial and personal clients. Additional services include wealth management, retail brokerage services, and digital banking channels comprising online, telephone, and mobile banking platforms along with automated teller machine access.
Fiscal years are as reported by the company and may not align with the calendar year. For example, Apple's FY 2024 ends in September 2024.
| Fiscal Year | EPS Diluted | EPS Basic | YoY | |
|---|---|---|---|---|
| 2024 | $3.73 | $3.75 | +0.5% | |
| 2023 | $3.71 | $3.72 | -10.6% | |
| 2022 | — | $4.15 | +30.1% | |
| 2021 | — | $3.19 | +49.8% | |
| 2020 | — | $2.13 | -36.6% | |
| 2019 | — | $3.36 | +8.7% | |
| 2018 | — | $3.09 | +782.9% | |
| 2017 | — | $0.35 | -18.6% | |
| 2016 | — | $0.43 | -8.5% | |
| 2015 | — | $0.47 | +17.5% | |
| 2014 | — | $0.40 | +5.3% | |
| 2013 | — | $0.38 | +2.7% | |
| 2012 | — | $0.37 | -74.1% | |
| 2011 | — | $1.43 | — |
| Report Date | Filed | Accession Number | |
|---|---|---|---|
| 2024-12-31 | 2025-03-14 | 0000715579-25-000030 | SEC ↗ |
| 2023-12-31 | 2024-03-14 | 0000715579-24-000028 | SEC ↗ |
| 2022-12-31 | 2023-03-03 | 0000715579-23-000015 | SEC ↗ |
| 2021-12-31 | 2022-03-14 | 0000715579-22-000018 | SEC ↗ |
| 2020-12-31 | 2021-03-05 | 0000715579-21-000012 | SEC ↗ |
| 2019-12-31 | 2020-03-06 | 0001047469-20-001268 | SEC ↗ |
| 2018-12-31 | 2019-03-08 | 0001047469-19-001018 | SEC ↗ |
| 2017-12-31 | 2018-03-09 | 0001047469-18-001446 | SEC ↗ |