ACNB Corp (NASDAQ:ACNB) Reports Mixed Q2 2025 Earnings: Revenue Beats, EPS Misses Estimates

ACNB Corp (NASDAQ:ACNB) reported mixed second-quarter earnings for 2025, with revenue slightly exceeding analyst expectations but earnings per share (EPS) falling short. The financial holding company, which operates ACNB Bank and ACNB Insurance Services, posted revenue of $39.69 million, narrowly beating the consensus estimate of $39.63 million. However, diluted EPS came in at $1.11, below the anticipated $1.18.

Key Financial Highlights

• Net Income: $11.6 million for Q2 2025, up from $11.3 million in Q2 2024 but a sharp reversal from a net loss of $272 thousand in Q1 2025.
• EPS Performance: $1.11 per share (diluted) in Q2 2025 compared to $1.32 in Q2 2024. The prior quarter’s loss was attributed to merger-related costs and credit loss provisions tied to the Traditions Bancorp acquisition.
• Revenue vs. Estimates: Revenue slightly surpassed expectations, while EPS missed by approximately 5.6%.

Market Reaction

Following the earnings release, ACNB’s stock saw a muted reaction, with a marginal decline of -1.78% in the immediate aftermath. Over the past month, shares have been relatively flat, posting a modest gain of 2.36%, suggesting investors remain cautious amid mixed financial performance. The slight revenue beat was likely overshadowed by the EPS miss and lingering concerns over integration costs from recent acquisitions.

Forward-Looking Estimates

Analysts project Q3 2025 revenue at $40.11 million, with EPS estimates at $1.17. For the full year, sales are expected to reach $154.07 million, with revenue estimates at $4.51. The company did not provide explicit guidance in its press release, leaving investors to rely on external forecasts.

Additional Developments

Alongside earnings, ACNB announced a third-quarter cash dividend, reinforcing its commitment to shareholder returns. The company’s insurance and banking segments continue to operate across multiple states, though the financial impact of the recent acquisition remains a focal point for future performance.

For a deeper dive into ACNB’s earnings history and future estimates, visit ACNB Earnings & Estimates.

Disclaimer: This article is for informational purposes only and does not constitute investment advice.