49.15 USD
-0.25 (-0.51%)
49.15 USD
0 (0%)
Taking everything into account, ACNB scores 4 out of 10 in our fundamental rating. ACNB was compared to 388 industry peers in the Banks industry. ACNB has a bad profitability rating. Also its financial health evaluation is rather negative. ACNB is growing strongly while it is still valued neutral. This is a good combination! ACNB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year ACNB was profitable.
ACNB had a positive operating cash flow in the past year.
ACNB had positive earnings in each of the past 5 years.
ACNB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of ACNB (1.01%) is better than 61.60% of its industry peers.
ACNB's Return On Equity of 8.04% is in line compared to the rest of the industry. ACNB outperforms 42.27% of 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
Looking at the Profit Margin, with a value of 23.22%, ACNB is in line with its industry, outperforming 44.33% of the companies in the same industry.
In the last couple of years the Profit Margin of ACNB has remained more or less at the same level.
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.
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 1.11. This is a very positive value and a sign of high solvency as it would only need 1.11 years to pay back of all of its debts.
ACNB has a Debt to FCF ratio of 1.11. This is in the better half of the industry: ACNB outperforms 62.63% of its industry peers.
A Debt/Equity ratio of 0.12 indicates that ACNB is not too dependend on debt financing.
ACNB has a Debt to Equity ratio of 0.12. This is in the better half of the industry: ACNB outperforms 62.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 1.11 | ||
| 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
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.
ACNB shows a strong growth in Revenue. In the last year, the Revenue has grown by 36.14%.
The Revenue has been growing slightly by 6.90% on average over the past years.
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 11.80% on average over the next years. This is quite good.
Based on estimates for the next years, ACNB will show a quite strong growth in Revenue. The Revenue will grow by 15.17% on average per year.
EPS Next Y35.09%
EPS Next 2Y17.69%
EPS Next 3Y11.8%
EPS Next 5YN/A
Revenue Next Year43.15%
Revenue Next 2Y22.12%
Revenue Next 3Y15.17%
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.
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
The Price/Earnings ratio is 11.51, which indicates a very decent valuation of ACNB.
Based on the Price/Earnings ratio, ACNB is valued a bit cheaper than the industry average as 62.89% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.84, ACNB is valued rather cheaply.
ACNB is valuated reasonably with a Price/Forward Earnings ratio of 9.51.
ACNB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ACNB is cheaper than 65.98% of the companies in the same industry.
ACNB is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.40, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.51 | ||
| Fwd PE | 9.51 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as ACNB.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.18 | ||
| 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)0.33
PEG (5Y)5.01
EPS Next 2Y17.69%
EPS Next 3Y11.8%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.06%, ACNB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.74, ACNB has a dividend in line with its industry peers.
ACNB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.06% |
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
5.3 Sustainability
ACNB pays out 41.01% 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.
DP41.01%
EPS Next 2Y17.69%
EPS Next 3Y11.8%
49.15
-0.25 (-0.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners39.34%
Inst Owner Change2.33%
Ins Owners3.47%
Ins Owner Change-0.47%
Market Cap510.18M
Revenue(TTM)141.43M
Net Income(TTM)32.85M
Analysts82
Price Target56.78 (15.52%)
Short Float %1.36%
Short Ratio6.15
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.06% |
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)7.74%
PT rev (3m)14.78%
EPS NQ rev (1m)2.93%
EPS NQ rev (3m)6.72%
EPS NY rev (1m)6.58%
EPS NY rev (3m)6.7%
Revenue NQ rev (1m)0.13%
Revenue NQ rev (3m)0.34%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)0.83%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.51 | ||
| Fwd PE | 9.51 | ||
| P/S | 3.61 | ||
| P/FCF | 11.18 | ||
| P/OCF | 10.88 | ||
| P/B | 1.25 | ||
| P/tB | 1.59 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.27
EY8.69%
EPS(NY)5.17
Fwd EY10.51%
FCF(TTM)4.39
FCFY8.94%
OCF(TTM)4.52
OCFY9.19%
SpS13.63
BVpS39.37
TBVpS30.89
PEG (NY)0.33
PEG (5Y)5.01
Graham Number61.5
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
WACC8.27%
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 Y35.09%
EPS Next 2Y17.69%
EPS Next 3Y11.8%
EPS Next 5YN/A
Revenue 1Y (TTM)36.14%
Revenue growth 3Y4.85%
Revenue growth 5Y6.9%
Sales Q2Q%45.99%
Revenue Next Year43.15%
Revenue Next 2Y22.12%
Revenue Next 3Y15.17%
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 35.09% in the next year.