What is ACNB Corporation's Shariah compliance score?

ACNB Corporation's (ACNB) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does ACNB Corporation pass AAOIFI screening?

ACNB Corporation (ACNB) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (ACNB: 44.0%), (3) interest-bearing deposits below 30% (ACNB: 11.3%), and (4) prohibited income below 5% (ACNB: 83.5%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for ACNB Corporation stock?

ACNB Corporation (ACNB) has a non-permissible income ratio of 83.48%. Muslim investors should purify this percentage of any dividends received and capital gains realized from ACNB shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen ACNB Corporation for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for ACNB Corporation (ACNB) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about ACNB's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

Is ACNB Corporation (ACNB) halal? Not Halal. Based on AAOIFI screening, ACNB Corporation has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

ACNB: Is ACNB Corporation Halal?

Not Halal

ACNB Corporation

NASDAQFinancial ServicesUS

$57.08

+1.69%

AvoidBorderlineClean

About ACNB Corporation

ACNB Corporation operates as a financial holding company, offering a comprehensive suite of banking, insurance, and financial services to a diverse clientele including individuals, businesses, and government entities across the United States. Its banking segment provides a range of deposit products such as checking, savings, money market, and time accounts, along with debit cards. The company is also a significant lender, furnishing commercial products like mortgages, real estate development and construction financing, accounts receivable and inventory loans, and agricultural and governmental funding. For individual consumers, it supplies home equity loans and lines of credit, automotive and recreational vehicle loans, manufactured housing loans, and personal lines of credit. Mortgage programs encompass personal residential, construction, and investment properties. Beyond traditional banking, ACNB delivers extensive wealth management and trust services, acting as a trustee to oversee, manage, and distribute financial assets for testamentary, life insurance, and charitable remainder trusts, as well as guardianships, powers of attorney, custodial accounts, and investment advisory and management services. Retail brokerage is also available. Additionally, the corporation offers various insurance products, including property and casualty, health, life, and disability coverage for both commercial and individual clients. Customers benefit from convenient access through online, telephone, and mobile banking, alongside automated teller machine services. Established in 1857 and based in Gettysburg, Pennsylvania, ACNB's physical network as of December 31, 2021, comprised 19 community banking branches across Adams, York, Cumberland, and Franklin counties in Pennsylvania; five community banking offices in Frederick County, Maryland; and six in Carroll County, Maryland. Loan offices further extend its reach in Lancaster and York, Pennsylvania, and Hunt Valley, Maryland.

Sector: Financial Services · Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Jun 18, 2026

Non-Compliant

Fails Shariah screening

0Score

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: Banks - Regional

Financial Ratio Screen

Failed

Financial ratios must be below AAOIFI thresholds

Debt / Market Cap44.0% / 30.0%

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Screened: Jun 18, 2026Fiscal: Q1 2026Source: EDGAR

Financial Overview

Market Cap

582.9M

Price

$57.08

Sector

Financial Services

Industry

Banks - Regional

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

GLDA+

SPDR Gold Shares

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SLVA+

iShares Silver Trust

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ABA+

AllianceBernstein Holding L.P.

$36.03

-1.13%

IPCXA+

Inflection Point Acquisition Corp. III

$10.31

+0.00%

AXINA+

Axiom Intelligence Acquisition Corp 1

$10.42

+0.29%

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Free · No credit card required

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Frequently Asked Questions

Is ACNB Corporation (ACNB) halal to invest in?

ACNB Corporation (ACNB) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did ACNB Corporation get a F compliance rating?

ACNB Corporation (ACNB) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 44.0% (limit 30%); interest-bearing deposits of 11.3% (limit 30%); prohibited income of 83.48% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change ACNB Corporation's Shariah verdict?

ACNB Corporation's verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is ACNB Corporation re-screened for Shariah compliance?

ACNB Corporation (ACNB) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jun 18, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.