ACNB CORP (ACNB) Stock Fundamental Analysis
USA - NASDAQ:ACNB - US0008681092 - Common Stock
43.83 USD
-0.53 (-1.19%)
We assign a fundamental rating of 5 out of 10 to ACNB. ACNB was compared to 390 industry peers in the Banks industry. ACNB has a bad profitability rating. Also its financial health evaluation is rather negative. ACNB is not overvalued while it is showing excellent growth. This is an interesting combination. Finally ACNB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
ACNB had positive earnings in the past year.
ACNB had a positive operating cash flow in the past year.
In the past 5 years ACNB has always been profitable.
Each year in the past 5 years ACNB had a positive operating cash flow.
1.2 Ratios
ACNB has a Return On Assets (0.77%) which is comparable to the rest of the industry.
The Return On Equity of ACNB (6.37%) is worse than 67.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.77% | ||
| ROE | 6.37% | ||
| 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
1.3 Margins
ACNB has a Profit Margin of 19.57%. This is in the lower half of the industry: ACNB underperforms 65.38% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 19.57% | ||
| 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
2. Health
2.1 Basic Checks
ACNB does not have a ROIC to compare to the WACC, probably because it is not profitable.
ACNB has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, ACNB has more shares outstanding
Compared to 1 year ago, ACNB has an improved debt to assets ratio.
2.2 Solvency
ACNB has a debt to FCF ratio of 1.07. This is a very positive value and a sign of high solvency as it would only need 1.07 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 1.07, ACNB is doing good in the industry, outperforming 66.92% of the companies in the same industry.
A Debt/Equity ratio of 0.10 indicates that ACNB is not too dependend on debt financing.
ACNB has a better Debt to Equity ratio (0.10) than 71.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.07 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.27%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ACNB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 24.13%, which is quite impressive.
ACNB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.30% yearly.
Looking at the last year, ACNB shows a very strong growth in Revenue. The Revenue has grown by 36.14%.
Measured over the past years, ACNB shows a small growth in Revenue. The Revenue has been growing by 6.90% on average per year.
EPS 1Y (TTM)24.13%
EPS 3Y5.35%
EPS 5Y2.3%
EPS Q2Q%72.62%
Revenue 1Y (TTM)36.14%
Revenue growth 3Y4.85%
Revenue growth 5Y6.9%
Sales Q2Q%45.99%
3.2 Future
The Earnings Per Share is expected to grow by 12.83% 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 22.00% yearly.
EPS Next Y26.61%
EPS Next 2Y12.83%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year41.98%
Revenue Next 2Y22%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.26, the valuation of ACNB can be described as very reasonable.
Based on the Price/Earnings ratio, ACNB is valued a bit cheaper than 67.69% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.00. ACNB is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 9.23, the valuation of ACNB can be described as reasonable.
Based on the Price/Forward Earnings ratio, ACNB is valued a bit cheaper than 60.26% of the companies in the same industry.
ACNB is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.87, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.26 | ||
| Fwd PE | 9.23 |
4.2 Price Multiples
ACNB's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.79 | ||
| EV/EBITDA | N/A |
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.
ACNB's earnings are expected to grow with 12.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.39
PEG (5Y)4.47
EPS Next 2Y12.83%
EPS Next 3YN/A
5. Dividend
5.1 Amount
ACNB has a Yearly Dividend Yield of 3.41%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.50, ACNB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.31, ACNB pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.41% |
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
5.3 Sustainability
49.13% of the earnings are spent on dividend by ACNB. This is a bit on the high side, but may be sustainable.
The dividend of ACNB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP49.13%
EPS Next 2Y12.83%
EPS Next 3YN/A
NASDAQ:ACNB (10/29/2025, 11:14:48 AM)
43.83
-0.53 (-1.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners38.18%
Inst Owner Change0.86%
Ins Owners3.44%
Ins Owner Change1.06%
Market Cap458.90M
Revenue(TTM)141.43M
Net Income(TTM)25.18M
Analysts84
Price Target50.66 (15.58%)
Short Float %1.33%
Short Ratio6.83
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.41% |
Yearly Dividend1.26
Dividend Growth(5Y)5.05%
DP49.13%
Div Incr Years7
Div Non Decr Years16
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.97%
Min EPS beat(2)-19.67%
Max EPS beat(2)9.74%
EPS beat(4)1
Avg EPS beat(4)-7.51%
Min EPS beat(4)-19.67%
Max EPS beat(4)9.74%
EPS beat(8)3
Avg EPS beat(8)-2.64%
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)2
Avg Revenue beat(2)1.54%
Min Revenue beat(2)0.17%
Max Revenue beat(2)2.91%
Revenue beat(4)2
Avg Revenue beat(4)0.07%
Min Revenue beat(4)-1.89%
Max Revenue beat(4)2.91%
Revenue beat(8)2
Avg Revenue beat(8)-2.8%
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)0%
PT rev (3m)1.04%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.83%
EPS NY rev (1m)0%
EPS NY rev (3m)4.75%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.26 | ||
| Fwd PE | 9.23 | ||
| P/S | 3.57 | ||
| P/FCF | 12.79 | ||
| P/OCF | 12.42 | ||
| P/B | 1.16 | ||
| P/tB | 1.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.27
EY9.74%
EPS(NY)4.75
Fwd EY10.83%
FCF(TTM)3.43
FCFY7.82%
OCF(TTM)3.53
OCFY8.05%
SpS12.29
BVpS37.74
TBVpS29.23
PEG (NY)0.39
PEG (5Y)4.47
Graham Number60.22
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.77% | ||
| ROE | 6.37% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 19.57% | ||
| GM | N/A | ||
| FCFM | 27.89% |
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
ROICexgc growth 3YN/A
ROICexgc 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 Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.07 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 22.61% | ||
| Cap/Sales | 0.83% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 142.52% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC8.27%
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)24.13%
EPS 3Y5.35%
EPS 5Y2.3%
EPS Q2Q%72.62%
EPS Next Y26.61%
EPS Next 2Y12.83%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)36.14%
Revenue growth 3Y4.85%
Revenue growth 5Y6.9%
Sales Q2Q%45.99%
Revenue Next Year41.98%
Revenue Next 2Y22%
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-22.1%
FCF growth 3Y-1.44%
FCF growth 5Y9.82%
OCF growth 1Y-21.82%
OCF growth 3Y-1.89%
OCF growth 5Y9.11%
ACNB CORP / ACNB FAQ
Can you provide the ChartMill fundamental rating for ACNB CORP?
ChartMill assigns a fundamental rating of 5 / 10 to ACNB.
Can you provide the valuation status for ACNB CORP?
ChartMill assigns a valuation rating of 5 / 10 to ACNB CORP (ACNB). This can be considered as Fairly Valued.
What is the profitability of ACNB stock?
ACNB CORP (ACNB) has a profitability rating of 3 / 10.
What is the financial health of ACNB CORP (ACNB) stock?
The financial health rating of ACNB CORP (ACNB) is 3 / 10.
Can you provide the expected EPS growth for ACNB stock?
The Earnings per Share (EPS) of ACNB CORP (ACNB) is expected to grow by 26.61% in the next year.