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ACNB CORP (ACNB) Stock Fundamental Analysis

NASDAQ:ACNB - US0008681092 - Common Stock

46.05 USD
-0.5 (-1.07%)
Last: 8/27/2025, 8:00:01 PM
48.7 USD
+2.65 (+5.75%)
After Hours: 8/27/2025, 8:00:01 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to ACNB. ACNB was compared to 393 industry peers in the Banks industry. Both the profitability and financial health of ACNB have multiple concerns. ACNB is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

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.
ACNB had positive earnings in each of the past 5 years.
Each year in the past 5 years ACNB had a positive operating cash flow.
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

The Return On Assets of ACNB (0.77%) is comparable to the rest of the industry.
ACNB's Return On Equity of 6.37% is on the low side compared to the rest of the industry. ACNB is outperformed by 67.94% of its industry peers.
Industry RankSector 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
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

With a Profit Margin value of 19.57%, ACNB is not doing good in the industry: 64.38% of the companies in the same industry are doing better.
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) 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
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
ACNB has more shares outstanding than it did 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

The Debt to FCF ratio of ACNB is 1.07, which is an excellent value as it means it would take ACNB, only 1.07 years of fcf income to pay off all of its debts.
ACNB has a Debt to FCF ratio of 1.07. This is in the better half of the industry: ACNB outperforms 68.45% of its industry peers.
A Debt/Equity ratio of 0.10 indicates that ACNB is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.10, ACNB is doing good in the industry, outperforming 72.01% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.07
Altman-Z N/A
ROIC/WACCN/A
WACC8.45%
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 slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by 0.00%.
Measured over the past 5 years, ACNB shows a small growth in Earnings Per Share. The EPS has been growing by 2.30% on average per year.
ACNB shows a strong growth in Revenue. In the last year, the Revenue has grown by 23.51%.
ACNB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.90% yearly.
EPS 1Y (TTM)0%
EPS 3Y5.35%
EPS 5Y2.3%
EPS Q2Q%-2.27%
Revenue 1Y (TTM)23.51%
Revenue growth 3Y4.85%
Revenue growth 5Y6.9%
Sales Q2Q%44.92%

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 12.83% on average per year.
ACNB is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 22.00% yearly.
EPS Next Y23.69%
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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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

Based on the Price/Earnings ratio of 12.58, the valuation of ACNB can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of ACNB is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 27.14. ACNB is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 9.70, the valuation of ACNB can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ACNB indicates a somewhat cheap valuation: ACNB is cheaper than 61.07% of the companies listed in the same industry.
ACNB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.80.
Industry RankSector Rank
PE 12.58
Fwd PE 9.7
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 ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 13.44
EV/EBITDA N/A
ACNB Per share dataACNB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as ACNB's earnings are expected to grow with 12.83% in the coming years.
PEG (NY)0.53
PEG (5Y)5.48
EPS Next 2Y12.83%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

ACNB has a Yearly Dividend Yield of 3.08%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.30, ACNB has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.34, ACNB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.08%

5.2 History

The dividend of ACNB has a limited annual growth rate of 5.05%.
ACNB has paid a dividend for at least 10 years, which is a reliable track record.
ACNB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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

49.13% of the earnings are spent on dividend by ACNB. This is a bit on the high side, but may be sustainable.
ACNB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP49.13%
EPS Next 2Y12.83%
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 (8/27/2025, 8:00:01 PM)

After market: 48.7 +2.65 (+5.75%)

46.05

-0.5 (-1.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24/bmo
Earnings (Next)10-22 2025-10-22/bmo
Inst Owners36.81%
Inst Owner Change4.5%
Ins Owners3.41%
Ins Owner Change5.39%
Market Cap482.14M
Analysts84
Price Target49.47 (7.43%)
Short Float %1.32%
Short Ratio4.86
Dividend
Industry RankSector Rank
Dividend Yield 3.08%
Yearly Dividend1.26
Dividend Growth(5Y)5.05%
DP49.13%
Div Incr Years7
Div Non Decr Years16
Ex-Date08-29 2025-08-29 (0.34)
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)1.04%
PT rev (3m)1.04%
EPS NQ rev (1m)1.31%
EPS NQ rev (3m)4.73%
EPS NY rev (1m)2.34%
EPS NY rev (3m)2.34%
Revenue NQ rev (1m)1.28%
Revenue NQ rev (3m)2.91%
Revenue NY rev (1m)1.25%
Revenue NY rev (3m)1.25%
Valuation
Industry RankSector Rank
PE 12.58
Fwd PE 9.7
P/S 3.75
P/FCF 13.44
P/OCF 13.05
P/B 1.22
P/tB 1.58
EV/EBITDA N/A
EPS(TTM)3.66
EY7.95%
EPS(NY)4.75
Fwd EY10.31%
FCF(TTM)3.43
FCFY7.44%
OCF(TTM)3.53
OCFY7.66%
SpS12.29
BVpS37.74
TBVpS29.23
PEG (NY)0.53
PEG (5Y)5.48
Profitability
Industry RankSector 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
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 Turnover0.04
Health
Industry RankSector 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
WACC8.45%
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)0%
EPS 3Y5.35%
EPS 5Y2.3%
EPS Q2Q%-2.27%
EPS Next Y23.69%
EPS Next 2Y12.83%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)23.51%
Revenue growth 3Y4.85%
Revenue growth 5Y6.9%
Sales Q2Q%44.92%
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%