ACNB CORP (ACNB) Stock Fundamental Analysis
NASDAQ:ACNB - Nasdaq - US0008681092 - Common Stock - Currency: USD
Overall ACNB gets a fundamental rating of 4 out of 10. We evaluated ACNB against 395 industry peers in the Banks industry. ACNB may be in some trouble as it scores bad on both profitability and health. ACNB is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year ACNB was profitable.
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
The Return On Assets of ACNB (0.76%) is comparable to the rest of the industry.
ACNB's Return On Equity of 6.41% is on the low side compared to the rest of the industry. ACNB is outperformed by 66.33% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
Looking at the Profit Margin, with a value of 21.32%, ACNB is doing worse than 60.00% of the companies in the same industry.
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) | 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
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.
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.
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.
Looking at the Debt to FCF ratio, with a value of 2.36, ACNB is in line with its industry, outperforming 42.53% of the companies in the same industry.
A Debt/Equity ratio of 0.17 indicates that ACNB is not too dependend on debt financing.
The Debt to Equity ratio of ACNB (0.17) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 2.36 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.5%
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 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.
The Revenue has grown by 10.86% in the past year. This is quite good.
ACNB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.90% yearly.
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.
Based on estimates for the next years, ACNB will show a very strong growth in Revenue. The Revenue will grow by 21.50% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
ACNB is valuated reasonably with a Price/Earnings ratio of 11.50.
ACNB's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of ACNB to the average of the S&P500 Index (26.19), we can say ACNB is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.09, the valuation of ACNB can be described as very reasonable.
ACNB's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.13, ACNB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.5 | ||
| Fwd PE | 9.09 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ACNB indicates a slightly more expensive valuation: ACNB is more expensive than 68.10% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.25 | ||
| 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)0.55
PEG (5Y)5.01
EPS Next 2Y11.91%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.16%, ACNB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.45, 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 | 3.16% |
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
46.52% 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.
DP46.52%
EPS Next 2Y11.91%
EPS Next 3YN/A
NASDAQ:ACNB (5/29/2025, 8:00:00 PM)
42.45
+0.82 (+1.97%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners30.26%
Inst Owner Change20.12%
Ins Owners3.83%
Ins Owner Change4.23%
Market Cap444.45M
Analysts84
Price Target48.96 (15.34%)
Short Float %0.89%
Short Ratio2.4
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.16% |
Yearly Dividend1.26
Dividend Growth(5Y)5.05%
DP46.52%
Div Incr Years7
Div Non Decr Years16
Ex-Date
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)1.05%
PT rev (3m)9.09%
EPS NQ rev (1m)2.9%
EPS NQ rev (3m)3.36%
EPS NY rev (1m)3.76%
EPS NY rev (3m)3.51%
Revenue NQ rev (1m)2.11%
Revenue NQ rev (3m)1.17%
Revenue NY rev (1m)2.39%
Revenue NY rev (3m)2.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.5 | ||
| Fwd PE | 9.09 | ||
| P/S | 3.82 | ||
| P/FCF | 16.25 | ||
| P/OCF | 15.38 | ||
| P/B | 1.15 | ||
| P/tB | 1.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.69
EY8.69%
EPS(NY)4.67
Fwd EY11%
FCF(TTM)2.61
FCFY6.15%
OCF(TTM)2.76
OCFY6.5%
SpS11.11
BVpS36.95
TBVpS28.33
PEG (NY)0.55
PEG (5Y)5.01
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC8.5%
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%