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ACNB CORP (ACNB) Stock Fundamental Analysis

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

43.01  -0.03 (-0.07%)

After market: 43.01 0 (0%)

Fundamental Rating

4

Overall ACNB gets a fundamental rating of 4 out of 10. We evaluated ACNB against 396 industry peers in the Banks industry. ACNB may be in some trouble as it scores bad on both profitability and health. ACNB has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

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.
In the past 5 years ACNB always reported a positive cash flow from operatings.
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

With a Return On Assets value of 0.76%, ACNB perfoms like the industry average, outperforming 42.17% of the companies in the same industry.
ACNB has a worse Return On Equity (6.41%) than 66.16% of its industry peers.
Industry RankSector Rank
ROA 0.76%
ROE 6.41%
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 21.32% is in line compared to the rest of the industry. ACNB outperforms 40.91% of 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 RankSector Rank
OM N/A
PM (TTM) 21.32%
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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2

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.
Compared to 1 year ago, ACNB has an improved debt to assets ratio.
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 2.36, which is a good value as it means it would take ACNB, 2.36 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of ACNB (2.36) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.17 indicates that ACNB is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.17, ACNB is in line with its industry, outperforming 51.01% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 2.36
Altman-Z N/A
ROIC/WACCN/A
WACC8.56%
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

The Earnings Per Share has been growing slightly by 6.65% over the past year.
The Earnings Per Share has been growing slightly by 2.30% on average over the past years.
ACNB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.86%.
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)6.65%
EPS 3Y5.35%
EPS 5Y2.3%
EPS Q2Q%-5%
Revenue 1Y (TTM)10.86%
Revenue growth 3Y4.85%
Revenue growth 5Y6.9%
Sales Q2Q%30.52%

3.2 Future

The Earnings Per Share is expected to grow by 11.91% 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 21.50% yearly.
EPS Next Y20.87%
EPS Next 2Y11.91%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year40.23%
Revenue Next 2Y21.5%
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

With a Price/Earnings ratio of 11.66, the valuation of ACNB can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of ACNB indicates a somewhat cheap valuation: ACNB is cheaper than 63.89% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.69. ACNB is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 9.21, 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 68.43% of the companies 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 37.36.
Industry RankSector Rank
PE 11.66
Fwd PE 9.21
ACNB Price Earnings VS Forward Price EarningsACNB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, ACNB is valued a bit more expensive than the industry average as 64.90% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 16.46
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.
PEG (NY)0.56
PEG (5Y)5.07
EPS Next 2Y11.91%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

ACNB has a Yearly Dividend Yield of 3.13%. Purely for dividend investing, there may be better candidates out there.
ACNB's Dividend Yield is comparable with the industry average which is at 3.30.
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 3.13%

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 46.52% of its income as dividend. 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.
DP46.52%
EPS Next 2Y11.91%
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 (7/23/2025, 8:01:08 PM)

After market: 43.01 0 (0%)

43.01

-0.03 (-0.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/dmh
Earnings (Next)07-24 2025-07-24/bmo
Inst Owners36.34%
Inst Owner Change-0.54%
Ins Owners3.38%
Ins Owner Change5.53%
Market Cap450.31M
Analysts84
Price Target48.96 (13.83%)
Short Float %1.5%
Short Ratio5.64
Dividend
Industry RankSector Rank
Dividend Yield 3.13%
Yearly Dividend1.26
Dividend Growth(5Y)5.05%
DP46.52%
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)-14.9%
Min EPS beat(2)-19.67%
Max EPS beat(2)-10.13%
EPS beat(4)1
Avg EPS beat(4)3.8%
Min EPS beat(4)-19.67%
Max EPS beat(4)54.98%
EPS beat(8)3
Avg EPS beat(8)-2.97%
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)1%
Min Revenue beat(2)-0.91%
Max Revenue beat(2)2.91%
Revenue beat(4)1
Avg Revenue beat(4)0%
Min Revenue beat(4)-1.89%
Max Revenue beat(4)2.91%
Revenue beat(8)1
Avg Revenue beat(8)-2.97%
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.9%
EPS NY rev (1m)0%
EPS NY rev (3m)3.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.11%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.23%
Valuation
Industry RankSector Rank
PE 11.66
Fwd PE 9.21
P/S 3.87
P/FCF 16.46
P/OCF 15.59
P/B 1.16
P/tB 1.52
EV/EBITDA N/A
EPS(TTM)3.69
EY8.58%
EPS(NY)4.67
Fwd EY10.86%
FCF(TTM)2.61
FCFY6.07%
OCF(TTM)2.76
OCFY6.42%
SpS11.11
BVpS36.95
TBVpS28.33
PEG (NY)0.56
PEG (5Y)5.07
Profitability
Industry RankSector Rank
ROA 0.76%
ROE 6.41%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.32%
GM N/A
FCFM 23.51%
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 0.17
Debt/FCF 2.36
Debt/EBITDA N/A
Cap/Depr 41.51%
Cap/Sales 1.32%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 110.26%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.56%
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)6.65%
EPS 3Y5.35%
EPS 5Y2.3%
EPS Q2Q%-5%
EPS Next Y20.87%
EPS Next 2Y11.91%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.86%
Revenue growth 3Y4.85%
Revenue growth 5Y6.9%
Sales Q2Q%30.52%
Revenue Next Year40.23%
Revenue Next 2Y21.5%
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-39.78%
FCF growth 3Y-1.44%
FCF growth 5Y9.82%
OCF growth 1Y-38.47%
OCF growth 3Y-1.89%
OCF growth 5Y9.11%