The strong EPS beat and record net income confirm the bank's momentum from loan growth and margin expansion. However, the isolated credit issue and uptick in NPLs warrant monitoring in the Q4 report for signs of broader credit deterioration.
Price Chart
Executive Summary
ACNB Corporation reported record Q3 2026 net income of $15.7 million, or $1.55 diluted EPS, beating the $1.41 consensus by 9.9%. Revenue (net interest income + noninterest income) of $43.8M also exceeded the $42.7M estimate. The beat was driven by loan growth, stable NIM at 4.56%, and strong noninterest-bearing deposit growth, though an isolated credit issue increased the allowance for credit losses.
Key Financial Metrics
Key Facts
- Q3 2026 diluted EPS of $1.55 vs consensus $1.41 (beat by 9.9%)
- Net income of $15.7M, a record for the company
- Net interest income rose to $34.8M, up $773K QoQ and $2.6M YoY
- FTE net interest margin stable at 4.56% QoQ, up 29 bps YoY
- Noninterest-bearing deposits grew 2.0% QoQ to $612.6M
- Allowance for credit losses increased $970K due to an isolated C&I credit issue
- NPL ratio rose to 0.45% from 0.41% QoQ
- ACNB repurchased 11,288 shares at a weighted avg price of $65.01
- Regular quarterly dividend of $0.42 maintained
Financial Impact
EPS beat of 9.9% vs consensus; net interest income +$2.6M YoY; noninterest income +$621K YoY
Risk Factors
- Isolated credit issue in C&I portfolio increased allowance and NPLs
- NPL ratio rose to 0.45% from 0.41% QoQ
- Unrealized loss on AFS securities of $15.4M reduced equity
- Higher noninterest expenses (+3.8% YoY) from salary and professional services
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001628280-26-066787 |
| Document: acnb-20261022.htm | 0001628280-26-066787 |
| Document: 0001628280-26-066787-index-headers.html | 0001628280-26-066787 |
| Document: 0001628280-26-066787-index.html | 0001628280-26-066787 |
| Document: 0001628280-26-066787.txt | 0001628280-26-066787 |
| 8-K Data (Synthetic) | 0001628280-26-066787 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 5d ago | Press Release | $65.39 | awaiting T+5 | — | $65.25 (−0.21%) |
Oct 22, 2026 5d ago | 8-K | $65.39 | awaiting T+5 | — | $65.25 (−0.21%) |
Sep 25, 2026 4w ago | 8-K | $63.73 $63.78 | ▲ +0.08% | ▲ +0.30% | $65.25 (+2.39%) |
Aug 14, 2026 10w ago | Institutional Cluster | $64.37 $64.44 | ▲ +0.11% | ▲ +1.30% | $65.25 (+1.37%) |
Jul 29, 2026 12w ago | 8-K / PRESS-RELEASE | $63.53 $65.23 | ▲ +2.68% | ▼ −2.85% | $65.25 (+2.71%) |
Jul 23, 2026 13w ago | 8-K | $62.86 $63.83 | ▲ +1.54% | ▲ +1.07% | $65.25 (+3.80%) |
May 28, 2026 21w ago | Court Ruling | $54.51 $52.62 | ▲ +3.47% | ▲ +3.42% | $65.25 (−19.70%) |
May 6, 2026 24w ago | 8-K | $53.23 $52.64 | ▼ −1.11% | ▼ −2.24% | $65.25 (+22.58%) |
Apr 29, 2026 25w ago | Press Release | $50.62 $52.91 | ▲ +4.52% | ▲ +1.41% | $65.25 (+28.90%) |
Apr 29, 2026 25w ago | 8-K | $50.62 $52.91 | ▲ +4.52% | ▲ +1.41% | $65.25 (+28.90%) |
US Market Status
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