All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
2 warning events since 2017; the latest 2022-05-24.
From the record
ACNB Corporation's filings since 2017 show 2 warning events: an auditor change (8-K item 4.01, 2 times, the latest 2022-05-24) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+16.8% a year over 10 filed years; profitable in 10 of 10.
From the record
ACNB Corporation's 10 filed years say what it did: revenue went from $41 million in fiscal 2016 to $163 million in fiscal 2025, up 16.8% a year; it rose in 8 of 9 years; the deepest fall was 8% from fiscal 2020 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 6.0% a year. 36% of cash flow returned. Insiders: 3 sales, 4 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, ACNB Corporation's diluted share count grew about 6.0% a year, and dividends and buybacks returned about 36% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 3 sales and 4 purchases of their own stock on the open market in the year to 2026-09-30, buying about $17 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 9%: 9¢ of profit per shareholder dollar. Leverage 87%: owes 87¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, ACNB Corporation earned about 9 cents of profit for every dollar of shareholders' money. Leverage: it owed about 87 cents per dollar of assets, and net share issuance: its share count grew 20.6% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 44% of 155 in its family; net margin 22.7%.
From the record
ACNB Corporation's standing among 155 graded names in its industry family: revenue of $163 million in fiscal 2025 ranks in the bottom 32% by size; a net margin of 22.7% ranks in the top 42%; revenue growth of 23.3% a year over the last 3 filed years ranks in the top 22% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 41% of 150 in its family for leadership; chief executive since 2017.
From the record
ACNB Corporation's leadership, from its insiders' filings and its current reports: the chief executive on the record is Helt, James (President & CEO, as filed), filing under that title since 2017-06-19, 9.4 years (top 35% of its family); the 18 officers and directors filing in the last fifteen months have been on the record a median of 9.4 years (top 21%); 7 officer or director changes were reported on Form 8-K since 2023-11-13, against the 18 people in charge now (bottom 32%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 41% of 142 in its family for room to expand.
From the record
ACNB Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $66 million against debt of $255 million leaves -5.9% of its assets as net cash, bottom 2% of its family; cash from operations less capital spending is 32.2% of revenue (top 21%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 36% of 152 in its family for growth drivers.
From the record
ACNB Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew 23.3% a year over the last three filed years against 16.8% over all 10, speeding up (top 27% of its family); the newest year grew 51.9% (top 2%); capital spending grew -15.9% a year (bottom 22%) (its annual reports). ACNB Corporation tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 48% of 150 in its family for expectations against reality.
From the record
ACNB Corporation's newest year against its own record: revenue of $163 million in fiscal 2025 came in 36.7% above the $119 million its prior three years' pace pointed to (top 1% of its family); net income of $37 million against a prior three-year average of $33 million (bottom 47%); a net margin of 22.7% against 34.5% before (bottom 10%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made