49.74 USD
+1.26 (+2.6%)
At close: Jan 29, 2026
49.74 USD
0 (0%)
After Hours: 1/29/2026, 8:00:00 PM
We assign a fundamental rating of 4 out of 10 to ACNB. ACNB was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of ACNB have multiple concerns. ACNB has a decent growth rate and is not valued too expensively.
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.
- Of the past 5 years ACNB 4 years had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of ACNB (1.01%) is better than 61.62% of its industry peers.
- ACNB has a Return On Equity (8.04%) which is in line with its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- ACNB has a Profit Margin of 23.22%. This is comparable to the rest of the industry: ACNB outperforms 44.39% 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 Rank | Sector 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
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
- Compared to 5 years ago, ACNB has more shares outstanding
- ACNB has a worse debt/assets ratio than last year.
2.2 Solvency
- The Debt to FCF ratio of ACNB is 1.11, which is an excellent value as it means it would take ACNB, only 1.11 years of fcf income to pay off 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 62.92% of its industry peers.
- ACNB has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
- Looking at the Debt to Equity ratio, with a value of 0.12, ACNB is in the better half of the industry, outperforming 62.66% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 1.11 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.3%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
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 11.14% on average over the past years. This is quite good.
- ACNB shows a strong growth in Revenue. In the last year, 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
- The Earnings Per Share is expected to grow by 3.99% on average over the next years.
- ACNB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.11% yearly.
EPS Next Y7.18%
EPS Next 2Y3.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.8%
Revenue Next 2Y4.11%
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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 10.32, which indicates a very decent valuation of ACNB.
- Based on the Price/Earnings ratio, ACNB is valued a bit cheaper than 78.85% of the companies in the same industry.
- ACNB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.39.
- A Price/Forward Earnings ratio of 9.63 indicates a reasonable valuation of ACNB.
- 69.19% of the companies in the same industry are more expensive than ACNB, based on the Price/Forward Earnings ratio.
- ACNB is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.72, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.32 | ||
| Fwd PE | 9.63 |
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 | 11.32 | ||
| EV/EBITDA | N/A |
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)1.44
PEG (5Y)0.93
EPS Next 2Y3.99%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- ACNB has a Yearly Dividend Yield of 3.14%. Purely for dividend investing, there may be better candidates out there.
- ACNB's Dividend Yield is a higher than the industry average which is at 2.65.
- Compared to an average S&P500 Dividend Yield of 1.82, ACNB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.14% |
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
- 41.01% 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 slower than its dividend. This means the dividend growth is not sustainable.
DP41.01%
EPS Next 2Y3.99%
EPS Next 3YN/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 7.18% in the next year.