Core Insights - ACNB Corporation reported a net loss of $272 thousand, or $0.03 diluted loss per share, for Q1 2025, a significant decline from a net income of $6.8 million, or $0.80 diluted earnings per share, in Q1 2024 [1][11][27] - The financial results were adversely affected by a provision for credit losses of $4.2 million and merger-related expenses totaling $6.2 million due to the acquisition of Traditions Bancorp, Inc. [2][6] Financial Performance - Net interest income for Q1 2025 was $27.1 million, an increase of $6.5 million from Q1 2024, driven primarily by the acquisition [12][13] - The fully taxable equivalent (FTE) net interest margin improved to 4.07%, up 30 basis points from Q1 2024 [12][13] - Noninterest income rose to $7.2 million, an increase of $1.5 million from Q1 2024, attributed to gains from mortgage loans and investment in bank-owned life insurance [15] Acquisition Details - ACNB completed the acquisition of Traditions Bancorp on February 1, 2025, valued at approximately $83.8 million, significantly expanding its market presence [6][13] - Traditions contributed $877.7 million in assets, $648.5 million in loans, and $741.5 million in deposits at the acquisition date [6][13] - The acquisition resulted in goodwill of $20.3 million and increased the allowance for credit losses to $24.6 million as of March 31, 2025 [9][21] Asset Quality and Loans - Total loans outstanding reached $2.32 billion, an increase of $639.3 million from December 31, 2024, primarily due to the acquisition [17] - Non-performing loans increased to $10.0 million, or 0.43% of total loans, reflecting challenges in a specific commercial relationship and the impact of the acquisition [18] Deposits and Borrowings - Total deposits increased to $2.54 billion, up $747.5 million from December 31, 2024, with significant contributions from interest-bearing deposits [19] - Total borrowings were $299.5 million, reflecting a $28.4 million increase from December 31, 2024, primarily for balance sheet management [20] Stockholders' Equity - Total stockholders' equity rose to $386.9 million as of March 31, 2025, compared to $303.3 million at December 31, 2024, driven by equity issued in the acquisition [21] - Tangible book value per share was $28.23, down from $29.51 at December 31, 2024 [21][28]

Financial Performance - ACNB Corporation reported a net loss of $272 thousand, or $0.03 diluted loss per share, for Q1 2025, compared to a net income of $6.8 million, or $0.80 diluted earnings per share, in Q1 2024[2]. - The company reported a net loss of $272,000 for Q1 2025, compared to a net income of $6,768,000 in Q1 2024[33]. - Basic and diluted loss per share for Q1 2025 was $(0.03), down from earnings of $0.80 per share in Q1 2024[33]. - The return on average assets (annualized) was (0.04)% for the quarter, down from 1.08% in the previous quarter, highlighting a decline in asset efficiency[28]. - The diluted (loss) earnings per share was $(0.03) for the quarter, compared to $0.77 in the previous quarter, indicating a significant drop in earnings per share[28]. Acquisition Impact - The acquisition of Traditions Bancorp, effective February 1, 2025, added $877.7 million in assets, $648.5 million in loans, and $741.5 million in deposits[4]. - Noninterest income for Q1 2025 was $7.2 million, an increase of $1.5 million from Q1 2024, primarily due to the acquisition[15]. - The increase in total deposits was primarily driven by the Acquisition[20]. Asset and Loan Growth - Total loans outstanding reached $2.32 billion at March 31, 2025, an increase of $639.3 million from December 31, 2024[18]. - Total loans, net of unearned income, increased to $2,322,209 thousand, up from $1,682,910 thousand at December 31, 2024, marking a growth of 38.1%[30]. - Total assets increased to $3,270,041 thousand as of March 31, 2025, up from $2,394,830 thousand at December 31, 2024, representing a growth of 36.5%[28]. Deposits and Borrowings - Total deposits reached $2.54 billion as of March 31, 2025, an increase of $747.5 million from December 31, 2024, and $704.8 million from March 31, 2024[20]. - Interest-bearing deposits amounted to $1.98 billion, increasing by $636.3 million from December 31, 2024, and $641.7 million from March 31, 2024[20]. - Total borrowings were $299.5 million at March 31, 2025, up by $28.4 million compared to December 31, 2024, and $26.9 million compared to March 31, 2024[21]. Equity and Book Value - Total stockholders' equity increased to $386.9 million at March 31, 2025, compared to $303.3 million at December 31, 2024, and $279.9 million at March 31, 2024[22]. - Tangible book value per share was $28.23 at March 31, 2025, down from $29.51 at December 31, 2024, and up from $26.70 at March 31, 2024[22]. - Tangible common equity to tangible assets ratio decreased to 9.33% from 10.72%, indicating a reduction of 1.39 percentage points[38]. Interest Income and Expenses - Net interest income rose to $27,090 thousand for the quarter ended March 31, 2025, compared to $21,112 thousand for the previous quarter, an increase of 28.4%[28]. - Total Interest and Dividend Income for Q1 2025 was $36,290,000, a 39.5% increase from $25,974,000 in Q1 2024[33]. - Total Noninterest Expenses increased to $29,335,000, a significant rise of 66.5% from $17,662,000 in Q1 2024, primarily due to merger-related costs of $8,031,000[33]. Credit Losses and Non-Performing Loans - The allowance for credit losses was $24.6 million at March 31, 2025, an increase of $7.4 million compared to December 31, 2024[18]. - Non-performing loans were $10.0 million, or 0.43% of total loans, at March 31, 2025, compared to $6.8 million, or 0.40%, at December 31, 2024[19]. - Provision for credit losses was $5,968,000, a substantial increase from $223,000 in the same quarter last year[33]. Dividends and Stock Repurchase - The Board of Directors declared a regular quarterly cash dividend of $0.34 per share for Q2 2025, reflecting a 6.3% increase over the same quarter of 2024[9]. - ACNB repurchased 75,872 shares of common stock during Q1 2025[9]. - ACNB repurchased 75,872 shares of common stock during the three months ended March 31, 2025[22]. Efficiency and Cost Management - The efficiency ratio improved to 60.13% for the quarter ended March 31, 2025, compared to 63.83% in the previous quarter, indicating better cost management[28]. - Noninterest expense increased by $11.7 million in Q1 2025 compared to Q1 2024, largely due to merger-related expenses totaling $8.0 million[17].

Wall Street expects a year-over-year increase in earnings on higher revenues when ACNB (ACNB) reports results for the quarter ended March 2025. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates.The stock might move higher if these key numbers top expectations in the upcoming earnings report. On the other hand, if they miss, the stock may move lowe ...

All investors love getting big returns from their portfolio, whether it's through stocks, bonds, ETFs, or other types of securities. But for income investors, generating consistent cash flow from each of your liquid investments is your primary focus.While cash flow can come from bond interest or interest from other types of investments, income investors hone in on dividends. A dividend is the distribution of a company's earnings paid out to shareholders; it's often viewed by its dividend yield, a metric tha ...

For those looking to find strong Finance stocks, it is prudent to search for companies in the group that are outperforming their peers. Has ACNB (ACNB) been one of those stocks this year? Let's take a closer look at the stock's year-to-date performance to find out.ACNB is one of 859 individual stocks in the Finance sector. Collectively, these companies sit at #7 in the Zacks Sector Rank. The Zacks Sector Rank considers 16 different groups, measuring the average Zacks Rank of the individual stocks within the ...

Core Viewpoint - ACNB has been upgraded to a Zacks Rank 1 (Strong Buy), indicating a positive outlook on its earnings estimates, which is a significant factor influencing stock prices [1][3]. Earnings Estimates and Stock Performance - The Zacks rating system reflects changes in earnings estimates, which are strongly correlated with stock price movements [4][6]. - For the fiscal year ending December 2025, ACNB is expected to earn $4.28 per share, representing a 14.8% increase from the previous year [8]. - Over the past three months, the Zacks Consensus Estimate for ACNB has increased by 33.1%, indicating a positive trend in earnings expectations [8]. Zacks Rating System - The Zacks Rank stock-rating system classifies stocks into five groups based on earnings estimates, with Zacks Rank 1 stocks historically generating an average annual return of +25% since 1988 [7]. - Only the top 5% of Zacks-covered stocks receive a 'Strong Buy' rating, positioning ACNB among the best in terms of earnings estimate revisions [9][10].

Company Overview - ACNB is headquartered in Gettysburg and operates in the Finance sector, with a stock price change of 3.09% since the start of the year [3] - The company currently pays a dividend of $0.32 per share, resulting in a dividend yield of 3.12%, which is significantly higher than the Banks - Southwest industry's yield of 1.16% and the S&P 500's yield of 1.59% [3] Dividend Performance - The current annualized dividend of ACNB is $1.28, reflecting a 1.6% increase from the previous year [4] - Over the past five years, ACNB has increased its dividend four times on a year-over-year basis, achieving an average annual increase of 6% [4] - The company's current payout ratio is 34%, indicating that it pays out 34% of its trailing 12-month earnings per share as dividends [4] Earnings Growth Expectations - For the fiscal year 2025, ACNB anticipates solid earnings growth, with the Zacks Consensus Estimate projecting earnings of $4.28 per share, representing a year-over-year growth rate of 14.75% [5] Investment Appeal - ACNB is considered an attractive dividend play and a compelling investment opportunity, currently holding a Zacks Rank of 1 (Strong Buy) [7]

Core Insights - Three stocks are highlighted with strong momentum characteristics and a buy rank for investors to consider as of March 31st Group 1: Company Performance - Aptiv PLC (APTV) has a Zacks Rank 1 with a 6.1% increase in the Zacks Consensus Estimate for current year earnings over the last 60 days [1] - REX American Resources Corporation (REX) also holds a Zacks Rank 1, showing a 15.7% increase in the Zacks Consensus Estimate for current year earnings over the last 60 days [2] - ACNB Corporation (ACNB) maintains a Zacks Rank 1, with an 11.8% increase in the Zacks Consensus Estimate for current year earnings over the last 60 days [3] Group 2: Stock Performance Comparison - Aptiv's shares increased by 0.2% over the last three months, while the S&P 500 declined by 5.2% [1] - REX's shares gained 2.8% over the last month, compared to a 4.9% decline in the S&P 500 [2] - ACNB's shares rose by 3.1% over the last three months, against the S&P 500's decline of 5.2% [3] Group 3: Momentum Scores - Aptiv has a Momentum Score of B [1] - REX also possesses a Momentum Score of B [2] - ACNB has a higher Momentum Score of A [3]

Group 1 - ACNB is a notable stock in the Finance sector, currently outperforming its peers with a year-to-date return of 3.1% compared to the sector average of 1.8% [4] - The Zacks Rank system indicates that ACNB has a strong buy rating (1), with a 33.1% increase in the consensus earnings estimate for the full year over the past 90 days, reflecting improved analyst sentiment [3] - ACNB belongs to the Banks - Southwest industry, which has seen a decline of about 4.9% year-to-date, further highlighting ACNB's strong performance relative to its industry [5] Group 2 - Enact Holdings, Inc. is another Finance stock that has outperformed the sector, with a year-to-date increase of 6.2% and a Zacks Rank of 2 (Buy) [4][5] - The Insurance - Multi line industry, to which Enact belongs, has performed positively with a 5% increase year-to-date, despite its lower Zacks Industry Rank of 54 [6]

Group 1 - Kingstone Companies, Inc. (KINS) has seen a 22.6% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [1] - REX American Resources Corporation (REX) has experienced a 15.7% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [1] - CION Investment Corporation (CION) has seen an 8.2% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [2] - ACNB Corporation (ACNB) has experienced an 11.8% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [2] - Forum Energy Technologies, Inc. (FET) has seen a 17.7% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [3]