ACNB CORP (ACNB) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:ACNB • US0008681092

53.24 USD
+1.04 (+1.99%)
Last: Feb 4, 2026, 02:46 PM
Fundamental Rating

4

Taking everything into account, ACNB scores 4 out of 10 in our fundamental rating. 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.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • ACNB had positive earnings in the past year.
  • ACNB had a positive operating cash flow in the past year.
  • In the past 5 years ACNB has always been profitable.
  • 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

  • ACNB has a Return On Assets of 1.01%. This is in the better half of the industry: ACNB outperforms 61.36% of its industry peers.
  • ACNB has a Return On Equity of 8.04%. This is comparable to the rest of the industry: ACNB outperforms 42.56% 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.
  • 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) 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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3

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.
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

  • 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's Debt to FCF ratio of 1.11 is fine compared to the rest of the industry. ACNB outperforms 63.19% 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 RankSector Rank
Debt/Equity 0.12
Debt/FCF 1.11
Altman-Z N/A
ROIC/WACCN/A
WACC8.3%
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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5

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.
  • 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%.
  • 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-4.53%
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.
  • Based on estimates for the next years, ACNB will show a small growth in Revenue. The Revenue will grow by 4.11% on average per year.
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

  • 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. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.05, the valuation of ACNB can be described as reasonable.
  • 77.02% of the companies in the same industry are more expensive than ACNB, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 28.18, ACNB is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 10.31, the valuation of ACNB can be described as reasonable.
  • 66.84% 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 25.51, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.05
Fwd PE 10.31
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 12.12
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)1.54
PEG (5Y)0.99
EPS Next 2Y3.99%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

  • ACNB has a Yearly Dividend Yield of 3.06%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.64, 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 1.83.
Industry RankSector Rank
Dividend Yield 3.06%

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
ACNB Yearly Dividends per shareACNB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

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.
  • The dividend of ACNB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP41.01%
EPS Next 2Y3.99%
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 (2/4/2026, 2:46:48 PM)

53.24

+1.04 (+1.99%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners39.36%
Inst Owner Change-0.37%
Ins Owners3.41%
Ins Owner Change-1.89%
Market Cap552.63M
Revenue(TTM)151.70M
Net Income(TTM)32.85M
Analysts82
Price Target56.78 (6.65%)
Short Float %1.21%
Short Ratio4.4
Dividend
Industry RankSector Rank
Dividend Yield 3.06%
Yearly Dividend1.26
Dividend Growth(5Y)5.05%
DP41.01%
Div Incr Years7
Div Non Decr Years16
Ex-DateN/A
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)0%
PT rev (3m)12.08%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.72%
EPS NY rev (1m)0%
EPS NY rev (3m)8.81%
Revenue NQ rev (1m)0.85%
Revenue NQ rev (3m)0.59%
Revenue NY rev (1m)1.63%
Revenue NY rev (3m)1.83%
Valuation
Industry RankSector Rank
PE 11.05
Fwd PE 10.31
P/S 3.91
P/FCF 12.12
P/OCF 11.79
P/B 1.35
P/tB 1.72
EV/EBITDA N/A
EPS(TTM)4.82
EY9.05%
EPS(NY)5.17
Fwd EY9.7%
FCF(TTM)4.39
FCFY8.25%
OCF(TTM)4.52
OCFY8.48%
SpS13.63
BVpS39.37
TBVpS30.89
PEG (NY)1.54
PEG (5Y)0.99
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
WACC8.3%
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 Y7.18%
EPS Next 2Y3.99%
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 2Y4.11%
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 7.18% in the next year.