---
schema_version: "secwatch.filing_event.v1"
accession: "0000715579-22-000095"
form_type: "8-K"
ticker: "ACNB"
cik: "0000715579"
company_name: "ACNB CORP"
filed_at: "2022-10-27T23:59:59+00:00"
generated_at: "2026-06-23T00:23:59.056865+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# ACNB Q3 net income up 40% to $10.3M; EPS $1.20; dividend raised to $0.28; new buyback authorized

## Summary
- Net income for Q3 2022 was $10.3M ($1.20 EPS), up 40.3% from $7.4M ($0.84 EPS) in Q3 2021.
- Net interest margin expanded 84 bps to 3.59% in Q3; total loans grew 4% YTD (5.2% ex-PPP).
- Quarterly dividend increased 7.7% to $0.28/share, payable Dec 15 to holders of record Dec 1.
- Board authorized new stock repurchase program of up to 3% of outstanding shares; 109,931 shares bought in Q3.
- Non-performing loans improved to 0.48% of total loans; provision for loan losses was $0 despite loan growth.

## SEC filing metadata
- accession: 0000715579-22-000095
- form_type: 8-K
- ticker: ACNB
- cik: 0000715579
- company_name: ACNB CORP
- filed_at: 2022-10-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/715579/000071557922000095/0000715579-22-000095-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/715579/000071557922000095/acnb-20221027.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000715579-22-000095
- JSON: https://secwatch.observer/filing/0000715579-22-000095.json
- Plain text: https://secwatch.observer/filing/0000715579-22-000095.txt

## Key facts
- Earnings Releases
  ACNB CORP reported three months ended September 30, 2022 results: net income $10,324,000, EPS $1.20.
  - Period: three months ended September 30, 2022
  - Net income: $10,324,000
  - EPS: $1.20
  - Result: reported results
  source text: ACNB Corporation released financial results for the three and nine months ended September 30, 2022
  evidence_url: https://www.sec.gov/Archives/edgar/data/715579/000071557922000095/0000715579-22-000095-index.htm
- Earnings Releases
  ACNB CORP reported nine months ended September 30, 2022 results: net income $25,553,000, EPS $2.95.
  - Period: nine months ended September 30, 2022
  - Net income: $25,553,000
  - EPS: $2.95
  - Result: reported results
  source text: ACNB Corporation released financial results for the three and nine months ended September 30, 2022
  evidence_url: https://www.sec.gov/Archives/edgar/data/715579/000071557922000095/0000715579-22-000095-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.