Watch for Q4 2026 earnings on January 22, 2027 to see if loan growth and NIM stability persist, and whether the isolated credit issue expands. The elevated allowance for credit losses warrants monitoring in upcoming quarters.
Price Chart
Executive Summary
ACNB Corporation reported record Q3 2026 net income of $15.7 million, or $1.55 diluted EPS, beating the $1.47 consensus by 5.8%. Revenue (net interest income + noninterest income) of $43.8M also exceeded the $43.0M 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
- Record quarterly net income of $15.7M, up 5.7% QoQ and 5.8% YoY
- Diluted EPS of $1.55 beat consensus of $1.47 by 5.8%
- Net interest income of $34.8M, up 2.3% QoQ and 8.2% YoY
- FTE net interest margin stable at 4.56% QoQ, up 29bp YoY
- Noninterest-bearing deposits grew 2.0% QoQ to $612.6M
- Allowance for credit losses increased $970K due to isolated credit issue in C&I portfolio
- ACNB repurchased 11,288 shares at weighted avg $65.01 during Q3
- Quarterly dividend increased 23.5% YoY to $0.42 per share
Financial Impact
EPS beat of $0.08 (5.8%) vs consensus; record net income of $15.7M
Risk Factors
- Isolated credit issue in C&I portfolio may signal broader asset quality deterioration
- NIM stability depends on interest rate environment; rate cuts could compress margin
- Noninterest income growth partially driven by one-time life insurance proceeds ($687K)
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3386434 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 4d ago | Press Release | $65.39 | awaiting T+5 | — | $64.99 (−0.61%) |
Oct 22, 2026 4d ago | 8-K | $65.39 | awaiting T+5 | — | $64.99 (−0.61%) |
Sep 25, 2026 4w ago | 8-K | $63.73 $63.78 | ▲ +0.08% | ▲ +0.30% | $64.99 (+1.98%) |
Aug 14, 2026 10w ago | Institutional Cluster | $64.37 $64.44 | ▲ +0.11% | ▲ +1.30% | $64.99 (+0.96%) |
Jul 29, 2026 12w ago | 8-K / PRESS-RELEASE | $63.53 $65.23 | ▲ +2.68% | ▼ −2.85% | $64.99 (+2.30%) |
Jul 23, 2026 13w ago | 8-K | $62.86 $63.83 | ▲ +1.54% | ▲ +1.07% | $64.99 (+3.39%) |
May 28, 2026 21w ago | Court Ruling | $54.51 $52.62 | ▲ +3.47% | ▲ +3.42% | $64.99 (−19.23%) |
May 6, 2026 24w ago | 8-K | $53.23 $52.64 | ▼ −1.11% | ▼ −2.24% | $64.99 (+22.09%) |
Apr 29, 2026 25w ago | Press Release | $50.62 $52.91 | ▲ +4.52% | ▲ +1.41% | $64.99 (+28.39%) |
Apr 29, 2026 25w ago | 8-K | $50.62 $52.91 | ▲ +4.52% | ▲ +1.41% | $64.99 (+28.39%) |
US Market Status
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