ACNB CORP (ACNB) Fundamental Analysis & Valuation

NASDAQ:ACNB • US0008681092

Current stock price

50.99 USD
+1.26 (+2.53%)
At close:
50.99 USD
0 (0%)
After Hours:

This ACNB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. ACNB Profitability Analysis

1.1 Basic Checks

  • In the past year ACNB was profitable.
  • In the past year ACNB had a positive cash flow from operations.
  • Each year in the past 5 years ACNB has been profitable.
  • ACNB had a positive operating cash flow in each of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

1.2 Ratios

  • With a decent Return On Assets value of 1.15%, ACNB is doing good in the industry, outperforming 68.16% of the companies in the same industry.
  • ACNB has a Return On Equity (8.82%) which is in line with its industry peers.
Industry RankSector Rank
ROA 1.15%
ROE 8.82%
ROIC N/A
ROA(3y)1.26%
ROA(5y)1.24%
ROE(3y)10.25%
ROE(5y)11.11%
ROIC(3y)N/A
ROIC(5y)N/A
ACNB Yearly ROA, ROE, ROICACNB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • ACNB's Profit Margin of 24.42% is in line compared to the rest of the industry. ACNB outperforms 44.47% of its industry peers.
  • ACNB's Profit Margin has improved 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) 24.42%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.47%
PM growth 5Y4.35%
GM growth 3YN/A
GM growth 5YN/A
ACNB Yearly Profit, Operating, Gross MarginsACNB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. ACNB Health Analysis

2.1 Basic Checks

  • ACNB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for ACNB has been increased compared to 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.
ACNB Yearly Shares OutstandingACNB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M
ACNB Yearly Total Debt VS Total AssetsACNB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.2 Solvency

  • ACNB has a debt to FCF ratio of 1.62. This is a very positive value and a sign of high solvency as it would only need 1.62 years to pay back of all of its debts.
  • ACNB has a Debt to FCF ratio (1.62) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.20 indicates that ACNB is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.20, ACNB is in line with its industry, outperforming 42.63% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.62
Altman-Z N/A
ROIC/WACCN/A
WACC9.55%
ACNB Yearly LT Debt VS Equity VS FCFACNB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. ACNB Growth Analysis

3.1 Past

  • ACNB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 29.22%, which is quite impressive.
  • The Earnings Per Share has been growing by 11.07% on average over the past years. This is quite good.
  • Looking at the last year, ACNB shows a very strong growth in Revenue. The Revenue has grown by 40.02%.
  • Measured over the past years, ACNB shows a quite strong growth in Revenue. The Revenue has been growing by 10.23% on average per year.
EPS 1Y (TTM)29.22%
EPS 3Y-4.62%
EPS 5Y11.07%
EPS Q2Q%71.43%
Revenue 1Y (TTM)40.02%
Revenue growth 3Y12.98%
Revenue growth 5Y10.23%
Sales Q2Q%38.15%

3.2 Future

  • ACNB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.60% yearly.
  • The Revenue is expected to grow by 3.68% on average over the next years.
EPS Next Y8.77%
EPS Next 2Y4.6%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.48%
Revenue Next 2Y3.68%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
ACNB Yearly Revenue VS EstimatesACNB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
ACNB Yearly EPS VS EstimatesACNB Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 2027 1 2 3 4 5

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5

4. ACNB Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.58, the valuation of ACNB can be described as reasonable.
  • Based on the Price/Earnings ratio, ACNB is valued a bit cheaper than the industry average as 77.11% of the companies are valued more expensively.
  • ACNB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.91.
  • With a Price/Forward Earnings ratio of 9.73, the valuation of ACNB can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, ACNB is valued a bit cheaper than the industry average as 71.58% of the companies are valued more expensively.
  • ACNB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.69.
Industry RankSector Rank
PE 10.58
Fwd PE 9.73
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

  • 70.00% of the companies in the same industry are more expensive than ACNB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 10.04
EV/EBITDA N/A
ACNB Per share dataACNB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.21
PEG (5Y)0.96
EPS Next 2Y4.6%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. ACNB Dividend Analysis

5.1 Amount

  • ACNB has a Yearly Dividend Yield of 3.22%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.73, ACNB pays a bit more dividend than its industry peers.
  • ACNB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.22%

5.2 History

  • The dividend of ACNB is nicely growing with an annual growth rate of 6.68%!
  • ACNB has been paying a dividend for at least 10 years, so it has 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)6.68%
Div Incr Years8
Div Non Decr Years17
ACNB Yearly Dividends per shareACNB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • ACNB pays out 38.82% of its income as dividend. This is a sustainable payout ratio.
  • ACNB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP38.82%
EPS Next 2Y4.6%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
ACNB Dividend Payout.ACNB Dividend Payout, showing the Payout Ratio.ACNB Dividend Payout.PayoutRetained Earnings

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ACNB Fundamentals: All Metrics, Ratios and Statistics

ACNB CORP

NASDAQ:ACNB (4/8/2026, 8:15:08 PM)

After market: 50.99 0 (0%)

50.99

+1.26 (+2.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners39.44%
Inst Owner Change0%
Ins Owners3.33%
Ins Owner Change2.64%
Market Cap527.75M
Revenue(TTM)151.70M
Net Income(TTM)37.05M
Analysts80
Price Target57.8 (13.36%)
Short Float %1.27%
Short Ratio2.81
Dividend
Industry RankSector Rank
Dividend Yield 3.22%
Yearly Dividend1.52
Dividend Growth(5Y)6.68%
DP38.82%
Div Incr Years8
Div Non Decr Years17
Ex-Date02-27
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.84%
Min EPS beat(2)5.21%
Max EPS beat(2)20.47%
EPS beat(4)3
Avg EPS beat(4)3.94%
Min EPS beat(4)-19.67%
Max EPS beat(4)20.47%
EPS beat(8)4
Avg EPS beat(8)6.16%
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)0
Avg Revenue beat(2)-4.16%
Min Revenue beat(2)-8.14%
Max Revenue beat(2)-0.18%
Revenue beat(4)2
Avg Revenue beat(4)-1.31%
Min Revenue beat(4)-8.14%
Max Revenue beat(4)2.91%
Revenue beat(8)2
Avg Revenue beat(8)-1.21%
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)1.8%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.1%
EPS NY rev (1m)0%
EPS NY rev (3m)1.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.11%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.32%
Valuation
Industry RankSector Rank
PE 10.58
Fwd PE 9.73
P/S 3.48
P/FCF 10.04
P/OCF 9.84
P/B 1.26
P/tB 1.58
EV/EBITDA N/A
EPS(TTM)4.82
EY9.45%
EPS(NY)5.24
Fwd EY10.28%
FCF(TTM)5.08
FCFY9.96%
OCF(TTM)5.18
OCFY10.16%
SpS14.66
BVpS40.58
TBVpS32.18
PEG (NY)1.21
PEG (5Y)0.96
Graham Number66.34
Profitability
Industry RankSector Rank
ROA 1.15%
ROE 8.82%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.42%
GM N/A
FCFM 34.65%
ROA(3y)1.26%
ROA(5y)1.24%
ROE(3y)10.25%
ROE(5y)11.11%
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-10.47%
PM growth 5Y4.35%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.62
Debt/EBITDA N/A
Cap/Depr 15.97%
Cap/Sales 0.71%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 141.88%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC9.55%
ROIC/WACCN/A
Cap/Depr(3y)27.45%
Cap/Depr(5y)35.19%
Cap/Sales(3y)0.9%
Cap/Sales(5y)1.22%
Profit Quality(3y)129.41%
Profit Quality(5y)127.71%
High Growth Momentum
Growth
EPS 1Y (TTM)29.22%
EPS 3Y-4.62%
EPS 5Y11.07%
EPS Q2Q%71.43%
EPS Next Y8.77%
EPS Next 2Y4.6%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)40.02%
Revenue growth 3Y12.98%
Revenue growth 5Y10.23%
Sales Q2Q%38.15%
Revenue Next Year5.48%
Revenue Next 2Y3.68%
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 1Y35.41%
FCF growth 3Y12.03%
FCF growth 5Y16.57%
OCF growth 1Y34.84%
OCF growth 3Y11.02%
OCF growth 5Y16.06%

ACNB CORP / ACNB Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for ACNB CORP?

ChartMill assigns a fundamental rating of 4 / 10 to ACNB.


What is the valuation status for ACNB stock?

ChartMill assigns a valuation rating of 5 / 10 to ACNB CORP (ACNB). This can be considered as Fairly Valued.


How profitable is ACNB CORP (ACNB) stock?

ACNB CORP (ACNB) has a profitability rating of 4 / 10.


What are the PE and PB ratios of ACNB CORP (ACNB) stock?

The Price/Earnings (PE) ratio for ACNB CORP (ACNB) is 10.58 and the Price/Book (PB) ratio is 1.26.


What is the earnings growth outlook for ACNB CORP?

The Earnings per Share (EPS) of ACNB CORP (ACNB) is expected to grow by 8.77% in the next year.