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ACNB
ACNB (ACNB) investor relations material
ACNB Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Net income for Q4 2025 was $10.8M ($1.04 EPS), up from $6.6M ($0.77 EPS) in Q4 2024, but down from $14.9M ($1.42 EPS) in Q3 2025.
Full-year 2025 net income reached $37.1M ($3.60 EPS), up $5.2M year-over-year; core net income was $52.4M, up $19.0M.
Results reflect the acquisition of Traditions Bancorp (closed Feb 1, 2025) and a $2.8M after-tax loss from securities portfolio repositioning.
2025 marked a record year for earnings, with a 21% increase in share price and a 19% increase in quarterly dividend from Q4 2024 to Q4 2025.
Financial highlights
FTE net interest margin for 2025 was 4.23%, up from 3.79% in 2024.
Net interest income for 2025 was $123.1M, up $39.5M year-over-year.
Noninterest income for Q4 2025 was $4.3M, down $1.5M year-over-year, mainly due to a $3.6M pre-tax loss on securities sales.
Noninterest expense for 2025 rose $29.8M, driven by the acquisition and $10.7M in merger-related costs.
Tangible book value per share at year-end was $32.22, up from $29.51 a year earlier.
Outlook and guidance
Management expects continued growth and profitability, leveraging diversified revenue streams from insurance, wealth management, and mortgage operations.
What was the total merger-related expense in 2025?
Explain the increase in allowance for unfunded commitments
What was the after-tax loss from securities repositioning?
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Next ACNB earnings date
Q1 202624 Apr, 2026
ACNB
Next ACNB earnings date
Q1 202624 Apr, 2026
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Frequently asked questions
ACNB Corporation is a financial holding company headquartered in Gettysburg, Pennsylvania. It operates through its primary subsidiary, ACNB Bank, which provides a range of financial services including personal and commercial banking, wealth management, and trust services. The company also operates ACNB Insurance Services, Inc., a full-service insurance agency offering property, casualty, health, life, and disability insurance products to both personal and commercial clients. The company is headquartered in Gettysburg, Pennsylvania, and its shares are listed on the NASDAQ.
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