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ACNB CORP (ACNB) Stock Fundamental Analysis

NASDAQ:ACNB - Nasdaq - US0008681092 - Common Stock - Currency: USD

42.97  +0.77 (+1.82%)

After market: 42.97 0 (0%)

Fundamental Rating

5

Overall ACNB gets a fundamental rating of 5 out of 10. We evaluated ACNB against 398 industry peers in the Banks industry. There are concerns on the financial health of ACNB while its profitability can be described as average. ACNB has a decent growth rate and is not valued too expensively. ACNB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

ACNB had positive earnings in the past year.
In the past year ACNB had a positive cash flow from operations.
In the past 5 years ACNB has always been profitable.
ACNB had a positive operating cash flow in each of the past 5 years.
ACNB Yearly Net Income VS EBIT VS OCF VS FCFACNB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

1.2 Ratios

Looking at the Return On Assets, with a value of 1.33%, ACNB belongs to the top of the industry, outperforming 86.18% of the companies in the same industry.
With a decent Return On Equity value of 10.50%, ACNB is doing good in the industry, outperforming 72.11% of the companies in the same industry.
Industry RankSector Rank
ROA 1.33%
ROE 10.5%
ROIC N/A
ROA(3y)1.35%
ROA(5y)1.15%
ROE(3y)12.18%
ROE(5y)10.78%
ROIC(3y)N/A
ROIC(5y)N/A
ACNB Yearly ROA, ROE, ROICACNB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

ACNB's Profit Margin of 29.39% is amongst the best of the industry. ACNB outperforms 81.16% of its industry peers.
In the last couple of years the Profit Margin of ACNB has remained more or less at the same level.
ACNB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 29.39%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.2%
PM growth 5Y-0.76%
GM growth 3YN/A
GM growth 5YN/A
ACNB Yearly Profit, Operating, Gross MarginsACNB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

ACNB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, ACNB has more shares outstanding
The number of shares outstanding for ACNB has been increased compared to 5 years ago.
ACNB has a better debt/assets ratio than last year.
ACNB Yearly Shares OutstandingACNB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
ACNB Yearly Total Debt VS Total AssetsACNB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.2 Solvency

ACNB has a debt to FCF ratio of 0.93. This is a very positive value and a sign of high solvency as it would only need 0.93 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 0.93, ACNB is doing good in the industry, outperforming 74.87% of the companies in the same industry.
A Debt/Equity ratio of 0.12 indicates that ACNB is not too dependend on debt financing.
ACNB has a better Debt to Equity ratio (0.12) than 67.59% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 0.93
Altman-Z N/A
ROIC/WACCN/A
WACC8.4%
ACNB Yearly LT Debt VS Equity VS FCFACNB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ACNB Yearly Current Assets VS Current LiabilitesACNB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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6

3. Growth

3.1 Past

ACNB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.45%, which is quite good.
The Earnings Per Share has been growing slightly by 2.30% on average over the past years.
Looking at the last year, ACNB shows a small growth in Revenue. The Revenue has grown by 1.48% in the last year.
The Revenue has been growing slightly by 6.90% on average over the past years.
EPS 1Y (TTM)14.45%
EPS 3Y5.35%
EPS 5Y2.3%
EPS Q2Q%28.75%
Revenue 1Y (TTM)1.48%
Revenue growth 3Y4.85%
Revenue growth 5Y6.9%
Sales Q2Q%30.5%

3.2 Future

The Earnings Per Share is expected to grow by 11.36% on average over the next years. This is quite good.
ACNB is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.85% yearly.
EPS Next Y16.49%
EPS Next 2Y11.36%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year36.95%
Revenue Next 2Y20.85%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
ACNB Yearly Revenue VS EstimatesACNB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
ACNB Yearly EPS VS EstimatesACNB Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

ACNB is valuated reasonably with a Price/Earnings ratio of 10.85.
Compared to the rest of the industry, the Price/Earnings ratio of ACNB indicates a somewhat cheap valuation: ACNB is cheaper than 65.08% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.22, ACNB is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.29, the valuation of ACNB can be described as reasonable.
ACNB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ACNB is cheaper than 60.55% of the companies in the same industry.
ACNB is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.86, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.85
Fwd PE 9.29
ACNB Price Earnings VS Forward Price EarningsACNB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

ACNB's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 11.67
EV/EBITDA N/A
ACNB Per share dataACNB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

ACNB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.66
PEG (5Y)4.72
EPS Next 2Y11.36%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

ACNB has a Yearly Dividend Yield of 3.22%. Purely for dividend investing, there may be better candidates out there.
ACNB's Dividend Yield is comparable with the industry average which is at 3.52.
ACNB's Dividend Yield is a higher than the S&P500 average which is at 2.44.
Industry RankSector Rank
Dividend Yield 3.22%

5.2 History

The dividend of ACNB has a limited annual growth rate of 5.05%.
ACNB has been paying a dividend for at least 10 years, so it has a reliable track record.
ACNB has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)5.05%
Div Incr Years7
Div Non Decr Years16
ACNB Yearly Dividends per shareACNB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

ACNB pays out 33.64% of its income as dividend. This is a sustainable payout ratio.
ACNB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP33.64%
EPS Next 2Y11.36%
EPS Next 3YN/A
ACNB Yearly Income VS Free CF VS DividendACNB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
ACNB Dividend Payout.ACNB Dividend Payout, showing the Payout Ratio.ACNB Dividend Payout.PayoutRetained Earnings

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ACNB CORP

NASDAQ:ACNB (5/2/2025, 8:00:00 PM)

After market: 42.97 0 (0%)

42.97

+0.77 (+1.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/bmo
Earnings (Next)07-22 2025-07-22/bmo
Inst Owners30.26%
Inst Owner Change0.78%
Ins Owners3.83%
Ins Owner Change4.23%
Market Cap452.90M
Analysts84
Price Target48.45 (12.75%)
Short Float %0.91%
Short Ratio2.26
Dividend
Industry RankSector Rank
Dividend Yield 3.22%
Yearly Dividend1.26
Dividend Growth(5Y)5.05%
DP33.64%
Div Incr Years7
Div Non Decr Years16
Ex-Date05-30 2025-05-30 (0.34)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-10.06%
Min EPS beat(2)-10.13%
Max EPS beat(2)-10%
EPS beat(4)1
Avg EPS beat(4)8.38%
Min EPS beat(4)-10.13%
Max EPS beat(4)54.98%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-1.4%
Min Revenue beat(2)-1.89%
Max Revenue beat(2)-0.91%
Revenue beat(4)0
Avg Revenue beat(4)-1.1%
Min Revenue beat(4)-1.89%
Max Revenue beat(4)-0.1%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-1.72%
PT rev (3m)-0.35%
EPS NQ rev (1m)0%
EPS NQ rev (3m)107.65%
EPS NY rev (1m)-0.53%
EPS NY rev (3m)18.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)11.03%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)13.67%
Valuation
Industry RankSector Rank
PE 10.85
Fwd PE 9.29
P/S 4.18
P/FCF 11.67
P/OCF 11.38
P/B 1.49
P/tB 1.8
EV/EBITDA N/A
EPS(TTM)3.96
EY9.22%
EPS(NY)4.63
Fwd EY10.76%
FCF(TTM)3.68
FCFY8.57%
OCF(TTM)3.77
OCFY8.78%
SpS10.28
BVpS28.77
TBVpS23.84
PEG (NY)0.66
PEG (5Y)4.72
Profitability
Industry RankSector Rank
ROA 1.33%
ROE 10.5%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.39%
GM N/A
FCFM 35.83%
ROA(3y)1.35%
ROA(5y)1.15%
ROE(3y)12.18%
ROE(5y)10.78%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.2%
PM growth 5Y-0.76%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 0.93
Debt/EBITDA N/A
Cap/Depr 31.65%
Cap/Sales 0.89%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 121.91%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.4%
ROIC/WACCN/A
Cap/Depr(3y)38.01%
Cap/Depr(5y)37.74%
Cap/Sales(3y)1.23%
Cap/Sales(5y)1.3%
Profit Quality(3y)116.93%
Profit Quality(5y)125.87%
High Growth Momentum
Growth
EPS 1Y (TTM)14.45%
EPS 3Y5.35%
EPS 5Y2.3%
EPS Q2Q%28.75%
EPS Next Y16.49%
EPS Next 2Y11.36%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.48%
Revenue growth 3Y4.85%
Revenue growth 5Y6.9%
Sales Q2Q%30.5%
Revenue Next Year36.95%
Revenue Next 2Y20.85%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-1.55%
FCF growth 3Y-1.44%
FCF growth 5Y9.82%
OCF growth 1Y-2.02%
OCF growth 3Y-1.89%
OCF growth 5Y9.11%