ACNB Reports Q4 GAAP EPS of $1.04 with Non-Performing Loans Ratio at 0.46%
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 22 2026
0mins
Source: seekingalpha
- Earnings Performance: ACNB reported a GAAP EPS of $1.04 for Q4, indicating stable profitability despite market challenges, which may bolster investor confidence.
- Revenue Figures: The company achieved revenue of $37.18 million in Q4, reflecting ongoing efforts in revenue growth amidst an uncertain economic environment, potentially enhancing market positioning.
- Non-Performing Loans Ratio: As of December 31, 2025, the non-performing loans ratio increased to 0.46% from 0.40% in 2024, highlighting challenges in credit management that could impact future earnings stability.
- Stock Buyback Activity: ACNB repurchased 264,393 shares of common stock over the twelve months ending December 31, 2025, demonstrating confidence in its stock value while providing returns to shareholders.
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Analyst Views on ACNB
Wall Street analysts forecast ACNB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for ACNB is 52.00 USD with a low forecast of 52.00 USD and a high forecast of 52.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
1 Analyst Rating
1 Buy
0 Hold
0 Sell
Moderate Buy
Current: 49.740
Low
52.00
Averages
52.00
High
52.00
Current: 49.740
Low
52.00
Averages
52.00
High
52.00
About ACNB
ACNB Corporation is the financial holding company for the wholly owned subsidiaries of ACNB Bank, and ACNB Insurance Services, Inc. ACNB Bank serves its marketplace with banking and wealth management services, including trust and retail brokerage, via a network of approximately 35 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. It offers various loans, including personal loans, mortgage loans, auto loans and student loans. Its banking products and services include checking, savings, and debit and credit card services. ACNB Insurance Services, Inc. is a full-service insurance agency with licenses in around 46 states. The agency offers a range of property, casualty, health, life and disability insurance serving personal and commercial clients through office locations in Westminster and Jarrettsville, Maryland, and Gettysburg, Pennsylvania.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
ACNB Declares Quarterly Dividend of $0.38 per Share
- Quarterly Dividend Declaration: ACNB has declared a quarterly dividend of $0.38 per share, consistent with previous distributions, indicating the company's stable cash flow and profitability, which is likely to attract more income-focused investors.
- Dividend Yield: The forward yield of 3.14% not only provides shareholders with a substantial return but also reflects the company's financial health in the current market environment.
- Financial Performance: ACNB reported a GAAP EPS of $1.04 and revenue of $37.18 million, demonstrating ongoing improvements in revenue growth and profitability, which enhances market confidence in its future performance.
- Shareholder Information: The dividend will be payable on March 13, with a record date of February 27 and an ex-dividend date also on February 27, ensuring that shareholders receive their payouts promptly, further solidifying the trust between the company and its investors.
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ACNB Corporation Declares Quarterly Cash Dividend
- Dividend Increase: ACNB Corporation's Board approved a quarterly cash dividend of $0.38 per share, reflecting an 18.7% increase from the $0.32 dividend paid in Q1 2025, indicating sustained profitability and likely attracting more investor interest.
- Shareholder Return Commitment: The dividend will be payable on March 13, 2026, to shareholders of record as of February 27, 2026, reinforcing the company's commitment to shareholder returns and enhancing market confidence in its future financial health.
- Company Overview: ACNB Corporation is an independent financial holding company with total assets of $3.23 billion, encompassing ACNB Bank and ACNB Insurance Services, showcasing its robust growth and competitive position in the financial services sector.
- Market Presence: ACNB Bank operates 33 community banking offices across Pennsylvania and Maryland, offering comprehensive banking and wealth management services, thereby strengthening its regional market influence and customer base.
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