48.4 USD
-0.6 (-1.22%)
48.4 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to ACNB. ACNB was compared to 387 industry peers in the Banks industry. Both the profitability and financial health of ACNB have multiple concerns. ACNB is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year ACNB was profitable.
ACNB had a positive operating cash flow in the past year.
Each year in the past 5 years ACNB has been profitable.
In the past 5 years ACNB always reported a positive cash flow from operatings.
1.2 Ratios
ACNB has a better Return On Assets (1.01%) than 62.02% of its industry peers.
ACNB has a Return On Equity (8.04%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.01% | ||
| ROE | 8.04% | ||
| 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 (23.22%) which is in line with its industry peers.
ACNB's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for ACNB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 23.22% | ||
| 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.
ACNB has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, ACNB has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of ACNB is 1.11, which is an excellent value as it means it would take ACNB, only 1.11 years of fcf income to pay off all of its debts.
ACNB's Debt to FCF ratio of 1.11 is fine compared to the rest of the industry. ACNB outperforms 63.31% of its industry peers.
ACNB has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
ACNB has a better Debt to Equity ratio (0.12) than 62.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 1.11 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.13%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 24.13% over the past year.
ACNB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.30% yearly.
The Revenue has grown by 36.14% in the past year. This is a very strong growth!
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
Based on estimates for the next years, ACNB will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.16% on average per year.
ACNB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.85% yearly.
EPS Next Y26.75%
EPS Next 2Y14.9%
EPS Next 3Y11.16%
EPS Next 5YN/A
Revenue Next Year43.06%
Revenue Next 2Y21.57%
Revenue Next 3Y14.85%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 11.33, the valuation of ACNB can be described as very reasonable.
ACNB's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 26.31. ACNB is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 9.83 indicates a reasonable valuation of ACNB.
The rest of the industry has a similar Price/Forward Earnings ratio as ACNB.
The average S&P500 Price/Forward Earnings ratio is at 36.59. ACNB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.33 | ||
| Fwd PE | 9.83 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ACNB is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.11 | ||
| 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.
PEG (NY)0.42
PEG (5Y)4.93
EPS Next 2Y14.9%
EPS Next 3Y11.16%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.22%, ACNB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.33, ACNB has a dividend in line with its industry peers.
ACNB's Dividend Yield is a higher than the S&P500 average which is at 2.40.
| Industry Rank | Sector 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
5.3 Sustainability
41.01% 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.
DP41.01%
EPS Next 2Y14.9%
EPS Next 3Y11.16%
48.4
-0.6 (-1.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners38.18%
Inst Owner Change2.33%
Ins Owners3.44%
Ins Owner Change1.14%
Market Cap506.75M
Revenue(TTM)141.43M
Net Income(TTM)32.85M
Analysts82
Price Target52.7 (8.88%)
Short Float %1.31%
Short Ratio6.91
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.22% |
Yearly Dividend1.26
Dividend Growth(5Y)5.05%
DP41.01%
Div Incr Years7
Div Non Decr Years16
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.1%
Min EPS beat(2)9.74%
Max EPS beat(2)20.47%
EPS beat(4)2
Avg EPS beat(4)0.1%
Min EPS beat(4)-19.67%
Max EPS beat(4)20.47%
EPS beat(8)3
Avg EPS beat(8)-0.7%
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)1
Avg Revenue beat(2)-0.01%
Min Revenue beat(2)-0.18%
Max Revenue beat(2)0.17%
Revenue beat(4)2
Avg Revenue beat(4)0.49%
Min Revenue beat(4)-0.91%
Max Revenue beat(4)2.91%
Revenue beat(8)2
Avg Revenue beat(8)-2.63%
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)6.53%
PT rev (3m)6.53%
EPS NQ rev (1m)1.3%
EPS NQ rev (3m)3.32%
EPS NY rev (1m)0.11%
EPS NY rev (3m)2.47%
Revenue NQ rev (1m)0.21%
Revenue NQ rev (3m)0.21%
Revenue NY rev (1m)0.76%
Revenue NY rev (3m)0.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.33 | ||
| Fwd PE | 9.83 | ||
| P/S | 3.58 | ||
| P/FCF | 11.11 | ||
| P/OCF | 10.81 | ||
| P/B | 1.24 | ||
| P/tB | 1.58 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.27
EY8.82%
EPS(NY)4.92
Fwd EY10.17%
FCF(TTM)4.36
FCFY9%
OCF(TTM)4.48
OCFY9.25%
SpS13.51
BVpS39.03
TBVpS30.62
PEG (NY)0.42
PEG (5Y)4.93
Graham Number61.24
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.01% | ||
| ROE | 8.04% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.22% | ||
| GM | N/A | ||
| FCFM | 32.25% |
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 | 0.12 | ||
| Debt/FCF | 1.11 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 22.21% | ||
| Cap/Sales | 0.9% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 138.87% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC8.13%
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 Y26.75%
EPS Next 2Y14.9%
EPS Next 3Y11.16%
EPS Next 5YN/A
Revenue 1Y (TTM)36.14%
Revenue growth 3Y4.85%
Revenue growth 5Y6.9%
Sales Q2Q%45.99%
Revenue Next Year43.06%
Revenue Next 2Y21.57%
Revenue Next 3Y14.85%
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 1Y11.39%
FCF growth 3Y-1.44%
FCF growth 5Y9.82%
OCF growth 1Y12.39%
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 4 / 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 26.75% in the next year.