ACNBACNB Corporation
ACNB Corporation is a regional bank focused on commercial and consumer banking in the Mid-Atlantic and Southeastern United States. The next catalyst is Oct 22, 2026 — Q3 2026 Earnings Release, which will test the bank’s ability to sustain its recent revenue growth and deliver on its capital return strategy. The report will provide clarity on net interest income, credit quality, and the impact of rising rates on its balance sheet.
- Revenue grew 45.1% YoY to $204.17M, driven by strong loan growth and higher interest rates.
- Net income reached $57.49M, with a net margin of 28.2% (TTM), reflecting disciplined cost management.
- Shareholders’ equity stands at $419.97M, with a debt-to-equity ratio of 0.76x, indicating a balanced capital structure.
The Read
ACNB's stock historically moved about 8% on average for generic catalysts, surging 13% on a flat earnings report with a new capital strategy, then rising 5% on favorable Fed policy and strong dividends, before closing above its bull target on record earnings and growth.
The schedule
- Thu22Oct
This earnings report will test the company's ability to meet or exceed expectations amid a tightening rate environment and rising interest costs. The outcome will be critical for P&L, product mix, and cash flow, especially with the Fed Funds Rate at 3.75% and the 10Y-2Y spread at 0.45%.
- Thu14Jan
- Thu6May
This report will test the company's ability to sustain performance in a potentially more challenging rate environment. The outcome will be key for P&L, product mix, and cash flow, especially with the Fed Funds Rate expected to remain elevated.
- Thu22Jul
This report will test the company's ability to maintain performance amid a potential rate pause or cut. The outcome will be key for P&L, product mix, and cash flow, especially with the Fed Funds Rate expected to remain elevated.
Past
- Thu23Jul
Actual outcome: Bull · $64.00 at outcome
ACNB reported record second-quarter financial results, delivering net income of $15.2 million and earnings of $1.49 per share to beat consensus estimates of $1.40. This strong bottom-line performance and robust year-over-year earnings growth drove the stock past its bull target.
ACNB reports Q2 2026 earnings against a $59.24 base price, closely trailing its 52-week high of $61.25. Focus will be on net interest margin stability and loan growth following the robust $13.7 million net income generated in Q1.
- Wed17Jun
Actual outcome: Bull · $57.22 at outcome
ACNB shares exceeded the $56.00 bull target following the FOMC meeting and mid-year interest rate outlook. The market reacted positively to the Federal Reserve's policy update, likely interpreting the forward dot plot as favorable for the bank's net interest margin trajectory, while its strong dividend profile provided additional underlying support.
Market evaluation of ACNB's net interest margin (NIM) trajectory following the Federal Reserve's mid-year policy update and forward dot plot.
- Thu7May
Actual outcome: Bull · $52.59 at outcome
ACNB reported an EPS actual of $1.32, matching the estimate, and the stock closed at $52.00, surpassing the bull target of $49.50. The approval of a new capital allocation strategy, including increased dividends and a share repurchase program, signaled confidence in the company's financial health and long-term prospects, driving the price higher despite a flat earnings result.
Quarterly earnings report focusing on Net Interest Margin (NIM) and loan growth under current economic conditions.
