ACNB CORP (ACNB) Stock Fundamental Analysis

NASDAQ:ACNB • US0008681092

50.4 USD
-1.15 (-2.23%)
At close: Feb 27, 2026
50.4 USD
0 (0%)
After Hours: 2/27/2026, 4:30:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to ACNB. ACNB was compared to 379 industry peers in the Banks industry. ACNB has a bad profitability rating. Also its financial health evaluation is rather negative. ACNB is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year ACNB was profitable.
  • In the past year ACNB had a positive cash flow from operations.
  • ACNB had positive earnings in each of the past 5 years.
  • Of the past 5 years ACNB 4 years 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M

1.2 Ratios

  • With a decent Return On Assets value of 1.01%, ACNB is doing good in the industry, outperforming 60.16% of the companies in the same industry.
  • ACNB's Return On Equity of 8.04% is in line compared to the rest of the industry. ACNB outperforms 42.74% of its industry peers.
Industry RankSector Rank
ROA 1.01%
ROE 8.04%
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

  • The Profit Margin of ACNB (23.22%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of ACNB has grown nicely.
  • 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) 23.22%
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

3

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.
  • ACNB has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for ACNB is higher compared to a year ago.
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 1.11. 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 better Debt to FCF ratio (1.11) than 63.06% of its industry peers.
  • A Debt/Equity ratio of 0.12 indicates that ACNB is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.12, ACNB is doing good in the industry, outperforming 62.01% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 1.11
Altman-Z N/A
ROIC/WACCN/A
WACC8.1%
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 20M 40M 60M

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

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 29.22% over the past year.
  • ACNB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.14% yearly.
  • Looking at the last year, ACNB shows a very strong growth in Revenue. The Revenue has grown by 40.02%.
  • The Revenue has been growing by 10.23% on average over the past years. This is quite good.
EPS 1Y (TTM)29.22%
EPS 3Y-4.53%
EPS 5Y11.14%
EPS Q2Q%71.43%
Revenue 1Y (TTM)40.02%
Revenue growth 3Y12.98%
Revenue growth 5Y10.23%
Sales Q2Q%38.15%

3.2 Future

  • Based on estimates for the next years, ACNB will show a small growth in Earnings Per Share. The EPS will grow by 4.83% on average per year.
  • ACNB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.59% yearly.
EPS Next Y8.63%
EPS Next 2Y4.83%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.8%
Revenue Next 2Y3.59%
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 decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.46, the valuation of ACNB can be described as reasonable.
  • Based on the Price/Earnings ratio, ACNB is valued a bit cheaper than 76.25% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.11, ACNB is valued rather cheaply.
  • The Price/Forward Earnings ratio is 9.63, which indicates a very decent valuation of ACNB.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ACNB indicates a somewhat cheap valuation: ACNB is cheaper than 68.07% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.13. ACNB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.46
Fwd PE 9.63
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 11.47
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.21
PEG (5Y)0.94
EPS Next 2Y4.83%
EPS Next 3YN/A

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

6

5. Dividend

5.1 Amount

  • ACNB has a Yearly Dividend Yield of 2.91%. Purely for dividend investing, there may be better candidates out there.
  • ACNB's Dividend Yield is comparable with the industry average which is at 2.74.
  • Compared to an average S&P500 Dividend Yield of 1.80, ACNB pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.91%

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 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 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 the earnings are growing slower. This means the dividend growth is not sustainable.
DP41.01%
EPS Next 2Y4.83%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 (2/27/2026, 4:30:00 PM)

After market: 50.4 0 (0%)

50.4

-1.15 (-2.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners39.36%
Inst Owner Change0.22%
Ins Owners3.41%
Ins Owner Change-2.06%
Market Cap523.15M
Revenue(TTM)151.70M
Net Income(TTM)32.85M
Analysts80
Price Target57.63 (14.35%)
Short Float %1.15%
Short Ratio3.77
Dividend
Industry RankSector Rank
Dividend Yield 2.91%
Yearly Dividend1.26
Dividend Growth(5Y)5.05%
DP41.01%
Div Incr Years7
Div Non Decr Years16
Ex-Date02-27
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)1.5%
PT rev (3m)9.35%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.35%
EPS NY rev (1m)1.35%
EPS NY rev (3m)6.34%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.98%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.56%
Valuation
Industry RankSector Rank
PE 10.46
Fwd PE 9.63
P/S 3.7
P/FCF 11.47
P/OCF 11.16
P/B 1.28
P/tB 1.63
EV/EBITDA N/A
EPS(TTM)4.82
EY9.56%
EPS(NY)5.24
Fwd EY10.39%
FCF(TTM)4.39
FCFY8.72%
OCF(TTM)4.52
OCFY8.96%
SpS13.63
BVpS39.37
TBVpS30.89
PEG (NY)1.21
PEG (5Y)0.94
Graham Number65.34
Profitability
Industry RankSector 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)1.26%
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-Score6
Asset Turnover0.04
Health
Industry RankSector 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
WACC8.1%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)29.22%
EPS 3Y-4.53%
EPS 5Y11.14%
EPS Q2Q%71.43%
EPS Next Y8.63%
EPS Next 2Y4.83%
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 Year5.8%
Revenue Next 2Y3.59%
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 1Y11.19%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y10.03%
OCF growth 3YN/A
OCF growth 5YN/A

ACNB CORP / ACNB 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 of ACNB CORP (ACNB) stock?

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.


How financially healthy is ACNB CORP?

The financial health rating of ACNB CORP (ACNB) is 3 / 10.


What is the earnings growth outlook for ACNB CORP?

The Earnings per Share (EPS) of ACNB CORP (ACNB) is expected to grow by 8.63% in the next year.