66.67
+1.72%
Close of 9 Nov 2026, in USD
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About ACNB
From its filings with the US Securities and Exchange Commission
ACNB is based in Gettysburg, Pennsylvania and is incorporated in Pennsylvania. Its shares trade on Nasdaq under the ticker ACNB. The SEC classifies its business as state commercial banks. In the fiscal year to 31 December 2025, it reported revenue of $191.8m and net income of $37.1m. At that date it held total assets of $3.23bn and shareholders' equity of $420.0m.
ACNB Corporation, headquartered in Gettysburg, Pennsylvania, is the financial holding company for the wholly-owned subsidiaries of ACNB Bank, Gettysburg, Pennsylvania, and ACNB Insurance Services, Westminster, Maryland. Originally founded in 1857, ACNB Bank serves its marketplace with banking, mortgage and wealth management services, including trust and retail brokerage, via a network of 33 community banking offices and two loan offices located in the Pennsylvania counties of Adams, Berks, Cumberland, Franklin, Lancaster and York and the Maryland counties of Baltimore, Carroll and Frederick. ACNB Insurance Services, the Corporation’s insurance subsidiary, is a full-service agency licensed to do business in 46 states. The agency offers a broad range of property, casualty, health, life and disability insurance serving personal and commercial clients through office locations in Westminster, Maryland, and Gettysburg, Pennsylvania.
ACNB Corporation was formed in 1982, and became the bank holding company for ACNB Bank (formerly Adams County National Bank) in 1983. On July 1, 2017, ACNB Corporation completed the acquisition of New Windsor Bancorp, Inc. and its wholly-owned subsidiary, New Windsor State Bank, a Maryland state-chartered, FDIC-insured community bank headquartered in Taneytown, Maryland. On January 11, 2020, ACNB completed its acquisition of Frederick County Bancorp, Inc. and its wholly-owned subsidiary, Frederick County Bank, a Maryland state-chartered, FDIC-insured community bank headquartered in Frederick, Maryland.
Quoted from its 10-K, filed 12 Mar 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 27 Oct 1993
- Employees
- 501
- Website
- acnb.com ↗
- Head office
- 16 LINCOLN SQUARE, GETTYSBURG, PA, 17325
- Incorporated in
- PA
- Classification
- State Commercial Banks
- Filer status
- Accelerated filer
Leadership
Pay as last reported
- Mr. Alan StockIndependent Chairman of the Board$114,858
- Mr. James HeltPresident, Chief Executive Officer, Director, since 2017$1.6m
- Mr. Eugene DraganoskyVice Chairman of the Board, since 2025
- Mr. Todd HerringIndependent Vice Chairman of the Board$74,037
- Mr. Jason WeberChief Financial Officer, Executive Vice President, Treasurer$670,265
- Mr. Kevin HayesSenior Vice President, Chief Governance Officer, General Counsel, Company Secretary
- Mr. D. Arthur SeibelDirector$68,527
- Ms. Elizabeth CarsonIndependent Director
- Ms. Kimberly ChaneyIndependent Director$74,292
- Ms. Alexandra ChiaruttiniIndependent Director$37,980
- Mr. Frank ElsnerIndependent Director$73,120
- Mr. Scott KelleyIndependent Director$80,294
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 22
- Environment
- 2
- Social
- 29
- Governance
- 34
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Established presence in the banking industry, with a strong reputation and brand recognition.
- Diversified portfolio of financial products and services, including personal and business banking, mortgage lending, and wealth management.
- Sound financial performance, with consistent growth in revenue and profitability over the years.
Weaknesses
- Limited geographical reach, primarily serving customers in a specific region. Expanding to new markets could offer growth opportunities.
- Relatively small size compared to larger competitors, potentially limiting the ability to compete on a national scale.
Opportunities
- Expansion into new markets and regions, either through organic growth or strategic acquisitions, to increase market share and customer base.
- Leveraging technology advancements to enhance digital banking solutions and improve customer experience.
- Growing demand for sustainable and socially responsible banking practices, which could be capitalized upon by implementing ESG-focused initiatives.
Threats
- Intense competition from larger banks and financial institutions, which could result in a potential loss of market share.
- Regulatory changes and compliance requirements that may increase operational costs and affect profitability.
- Economic downturns or financial crises that could negatively impact the overall banking industry.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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