ACNB Corporation (ACNB)

ACNB Corp.'s stock has experienced positive movement in the past six months, with the share price increasing by 11.1%. As of December 22, 2025, the share price was $50.51, marking a 21.89% increase from December 23, 2024. The acquisition of Traditions Bancorp, Inc. significantly impacted ACNB's stock, increasing total assets and expanding its branch network. The company has a history of paying dividends, with increases in its quarterly dividend in both 2024 and 2025. ACNB has an ongoing share repurchase program, and in the first quarter of 2025, 75,872 shares were repurchased. An insider, Frank Elsner, sold 5,000 shares of company stock on December 11, 2025.

The banking industry experiences seasonal fluctuations in loan demand, typically lowest in January and February, increasing in March, and peaking in August or September. Increased demand for investment services is observed in December and early January, and tax planning contributes to a seasonal rise in banking activity starting in March. ACNB Corp.'s operations are likely subject to these general banking industry trends.

ACNB Corporation, established in 1857 and headquartered in Gettysburg, Pennsylvania, operates as a financial holding company. It functions primarily through its subsidiaries, ACNB Bank and ACNB Insurance Services, Inc., offering banking, wealth management, and insurance products to individuals, businesses, and community organizations.

ACNB Corp.'s geographic footprint is concentrated in south-central Pennsylvania and central Maryland. ACNB Bank serves its market through a network of 33 community banking offices and two loan offices located in the Pennsylvania counties of Adams, Cumberland, Franklin, Lancaster, and York, and the Maryland counties of Baltimore, Carroll, and Frederick. ACNB Insurance Services, Inc. has office locations in Westminster, Maryland, and Gettysburg, Pennsylvania, and is licensed to operate in 46 states. The acquisition of Traditions Bancorp, Inc. in February 2025 strengthened its position in south-central Pennsylvania and central Maryland, particularly in the York and Lancaster markets.

ACNB Corporation has maintained a positive brand reputation over the past year, marked by several recognitions and a stable leadership structure. ACNB Corporation was recognized as one of the Fastest Growing Companies in Central Pennsylvania for 2025, ranking #23. ACNB Bank was also voted #1 in the Mortgage Lender category in the Central Penn Business Journal's Readers Ranking in 2024. James P. Helt, ACNB Corporation President & CEO, was included in the Central Penn Business Journal's Power List in 2025. The company has also been acknowledged for its community involvement, receiving the Robert C. Hoffman Award in both 2024 and 2023. In Bank Director's 2024 Ranking, ACNB Bank achieved significant recognition, ranking #11 among all banks in the United States and #4 among banks with less than $5 billion in assets.

ACNB Corporation's ownership structure consists of 38.75% institutional shareholders, 6.55% ACNB insiders, and 54.70% retail investors. Major institutional owners include Fmr Llc, BlackRock, Inc., and Vanguard Group Inc. The largest individual shareholder is Alan J. Stock, who owns 1.58% of the company. The acquisition of Traditions Bancorp, Inc. in early 2025 also contributed to an increased shareholder base.