Should I Buy ACNB? ACNB 2026 Analysis

Should You Buy ACNB Corp (ACNB) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Buy

Latest Price

50.520

1 Day change

1.57%

52 Week Range

53.410

Analysis Updated At

2026/01/28

Buy now for a beginner long-term investor. ACNB’s trend is technically bullish (stacked moving averages) and fundamentals in 2025/Q4 show strong YoY growth (revenue, net income, EPS), supported by ongoing buybacks. While options open interest is heavily put-skewed (likely hedging/low-liquidity positioning) and credit metrics ticked up slightly (NPL ratio), the overall setup favors owning shares now rather than waiting for a “perfect” pullback.

Technical Analysis

Trend is bullish: SMA_5 > SMA_20 > SMA_200 confirms an established uptrend. Momentum is mixed but not bearish: RSI_6 ~44.9 is neutral-to-slightly soft (not overbought), and MACD histogram is just above zero (positive) but contracting, implying the uptrend is intact but currently consolidating. Price context: pre-market 48.76 is just below the pivot (49.141). Nearby levels: support S1 47.758 (then S2 46.904); resistance R1 50.524 (then R2 51.378). Practical read: this is a reasonable “buy now” zone with defined support just below, and upside room back toward 50.5–51.4 and the analyst PT area (~52). Short-horizon pattern stats also lean modestly positive (next week/month expected drift higher).

Options Data

Bearish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Options sentiment is hard to read due to essentially zero trading volume today (volume put/call metrics at 0), which suggests limited liquidity/activity rather than a strong real-time directional bet. However, open interest is extremely put-heavy (put OI 452 vs call OI 31; OI put/call ratio 14.58), which typically signals defensive positioning/hedging and a more cautious sentiment backdrop. IV is elevated in absolute terms (30D IV ~46.75 vs HV ~26.96) but IV rank/percentile are not extreme (IV rank ~12.69; percentile ~39.2), indicating volatility isn’t at panic highs—just priced richer than realized.

Technical Summary

Sell

Buy

Positive Catalysts

Strong 2025/Q4 growth: revenue +37.23% YoY, net income +63.84% YoY, EPS +35.06% YoY.
Shareholder return tailwind: 264,393 shares repurchased over the last 12 months (supports EPS and signals management confidence).
Wall Street stance: Piper Sandler reiterated Overweight and raised PT to $52 (from $
after an EPS beat in Q3, reinforcing a constructive narrative.

Neutral/Negative Catalysts

Credit quality watch item: non-performing loans ratio rose to 0.46% (still low, but directionally negative).
Options open interest is heavily put-skewed, implying caution/hedging among participants and potentially limiting near-term upside enthusiasm.
MACD momentum is positive but contracting, suggesting consolidation risk near current levels before the next leg higher.

Financial Performance

Latest quarter: 2025/Q4. Results show accelerating profitability and solid top-line expansion: revenue $35.96M (+37.23% YoY), net income $10.81M (+63.84% YoY), EPS $1.04 (+35.06% YoY). This is a strong growth profile for a bank at this size and pairs well with ongoing share repurchases. The main fundamental blemish in the provided data is a modest uptick in non-performing loans (0.46%), which is worth monitoring but not yet a thesis-breaker based on the level reported.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Analyst trend: constructive and improving. Piper Sandler (Justin Crowley) kept an Overweight rating and raised the price target to $52 from $50 (2025-10-30) after ACNB delivered a Q3 EPS beat. Wall Street pros view: (Pros) earnings execution and upward PT revision signal confidence; (Cons) limited coverage and the business remains sensitive to credit quality and banking-cycle concerns (reinforced by the recent NPL ratio uptick). No notable hedge fund/insider trend was flagged, and no recent Congress trading activity was reported.

1 Analyst Rating

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 USD with a low forecast of 52 USD and a high forecast of 52 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 Buy

0 Hold

0 Sell

Moderate Buy

Current: 49.740

Low

Averages

High

Current: 49.740

Low

Averages

High

Piper Sandler

Justin Crowley

Overweight

maintain

$50 -> $52

AI Analysis

2025-10-30

Reason

Piper Sandler

Justin Crowley

Price Target

$50 -> $52

AI Analysis

2025-10-30

maintain

Overweight

Reason

Piper Sandler analyst Justin Crowley raised the firm's price target on ACNB Corp. to $52 from $50 and keeps an Overweight rating on the shares. The firm notes the company reported Q3 EPS of $1.42, 21c ahead of Piper's estimate and 25c ahead of consensus.

Raymond James

Daniel Tamayo

Buy

Initiates

$47

2025-03-21

Reason

Raymond James

Daniel Tamayo

Price Target

$47

2025-03-21

Initiates

Buy

Reason

Raymond James analyst Daniel Tamayo initiated coverage of ACNB Corp. with an Outperform rating and $47 price target. ACNB Bank, the wholly-owned subsidiary of ACNB Corp., is a community bank in Pennsylvania that possesses "a longstanding and enviable core deposit franchise," coupled with solid growth in higher-yielding commercial lending segments, the analyst tells investors. The firm expects ACNB to be an active acquirer over time, most recently evidenced by its acquisition of Traditions Bancorp in February, the analyst added.

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ACNB Should I Buy

ACNB Should I Buy

Should You Buy ACNB Corp (ACNB) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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