Monitor next quarter for sustained net interest margin expansion and loan growth trends, as the acquisition integration appears to be driving strong performance.
Price Chart
Executive Summary
ACNB reported Q1 2026 earnings of $1.32 diluted EPS, beating consensus by 5.8% on strong net interest margin expansion and balance sheet growth. The beat was driven by the Traditions Bancorp acquisition and balance sheet restructuring, with stable asset quality and solid loan growth. Management highlighted disciplined expense management and continued balance sheet growth.
Key Financial Metrics
Key Facts
- EPS of $1.32 beat consensus of $1.25 by 5.8%
- FTE net interest margin increased to 4.46% from 4.36% in Q4 2025
- Total loans increased to $2.35 billion, up 0.8% from Q4 2025
- Total noninterest-bearing deposits increased 4.0% to $576.1 million
- Net income of $13.7 million compared to $10.8 million in Q4 2025
- Balance sheet restructuring and acquisition of Traditions Bancorp contributed to results
Financial Impact
$1.32 EPS beat $1.25 consensus by $0.07
Risk Factors
- Dependence on acquisition integration success
- Interest rate risk affecting net interest margin
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001628280-26-026708 |
| Document: acnb-20260423.htm | 0001628280-26-026708 |
| Document: 0001628280-26-026708-index-headers.html | 0001628280-26-026708 |
| Document: 0001628280-26-026708-index.html | 0001628280-26-026708 |
| Document: 0001628280-26-026708.txt | 0001628280-26-026708 |
| 8-K Data (Synthetic) | 0001628280-26-026708 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 5d ago | Press Release | $65.39 | awaiting T+5 | — | $65.22 (−0.26%) |
Oct 22, 2026 5d ago | 8-K | $65.39 | awaiting T+5 | — | $65.22 (−0.26%) |
Sep 25, 2026 4w ago | 8-K | $63.73 $63.78 | ▲ +0.08% | ▲ +0.30% | $65.22 (+2.34%) |
Aug 14, 2026 10w ago | Institutional Cluster | $64.37 $64.44 | ▲ +0.11% | ▲ +1.30% | $65.22 (+1.32%) |
Jul 29, 2026 12w ago | 8-K / PRESS-RELEASE | $63.53 $65.23 | ▲ +2.68% | ▼ −2.85% | $65.22 (+2.66%) |
Jul 23, 2026 13w ago | 8-K | $62.86 $63.83 | ▲ +1.54% | ▲ +1.07% | $65.22 (+3.75%) |
May 28, 2026 21w ago | Court Ruling | $54.51 $52.62 | ▲ +3.47% | ▲ +3.42% | $65.22 (−19.65%) |
May 6, 2026 24w ago | 8-K | $53.23 $52.64 | ▼ −1.11% | ▼ −2.24% | $65.22 (+22.52%) |
Apr 29, 2026 25w ago | Press Release | $50.62 $52.91 | ▲ +4.52% | ▲ +1.41% | $65.22 (+28.84%) |
Apr 29, 2026 25w ago | 8-K | $50.62 $52.91 | ▲ +4.52% | ▲ +1.41% | $65.22 (+28.84%) |
US Market Status
Subscribe to SecBot
Get Real-Time SEC Filing Intelligence
Comprehensive SEC filing analysis delivered the moment filings hit EDGAR. Sentiment scoring, impact analysis, and actionable insights for every material event.
Create a free account Live analysis, Telegram alerts, watchlists and the MCP server for subscribers