---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-26-002992"
form_type: "8-K"
ticker: "ACNB"
cik: "0000715579"
company_name: "ACNB CORP"
filed_at: "2026-01-22T23:59:59+00:00"
generated_at: "2026-05-16T09:07:02.367407+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# ACNB reports record 2025 net income of $37.1M, Q4 EPS $1.04 vs $0.77 YoY

## Summary
- Full-year diluted EPS of $3.60, up from $2.65 in 2024; Q4 diluted EPS of $1.04 vs $0.77 a year ago.
- Fully taxable-equivalent net interest margin widened to 4.23% for 2025 from 3.79% in 2024.
- Quarterly dividend raised 19% to $0.38 per share; 21% stock price increase in calendar 2025.
- Acquisition of Traditions Bancorp completed Feb 1, 2025; included $74.6M securities repositioning with $2.8M after-tax loss.
- Non-performing loans to total loans edged up to 0.46% from 0.40%; net charge-offs remained low at 0.01%.

## SEC filing metadata
- accession: 0001628280-26-002992
- form_type: 8-K
- ticker: ACNB
- cik: 0000715579
- company_name: ACNB CORP
- filed_at: 2026-01-22T23:59:59+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/715579/000162828026002992/0001628280-26-002992-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/715579/000162828026002992/acnb-20260122.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-002992
- JSON: https://secwatch.observer/filing/0001628280-26-002992.json
- Plain text: https://secwatch.observer/filing/0001628280-26-002992.txt

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