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ACNB CORP (ACNB) Stock Fundamental Analysis

NASDAQ:ACNB - Nasdaq - US0008681092 - Common Stock - Currency: USD

42.71  +0.04 (+0.09%)

Fundamental Rating

4

ACNB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. ACNB may be in some trouble as it scores bad on both profitability and health. ACNB has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

1.2 Ratios

ACNB has a Return On Assets of 0.76%. This is comparable to the rest of the industry: ACNB outperforms 42.17% of its industry peers.
Looking at the Return On Equity, with a value of 6.41%, ACNB is doing worse than 66.16% of the companies in the same industry.
Industry RankSector Rank
ROA 0.76%
ROE 6.41%
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
ACNB Yearly ROA, ROE, ROICACNB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

ACNB has a Profit Margin (21.32%) which is in line with its industry peers.
ACNB's Profit Margin has been stable in the last couple of years.
ACNB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 21.32%
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
ACNB Yearly Profit, Operating, Gross MarginsACNB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

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
The debt/assets ratio for ACNB has been reduced compared to a year ago.
ACNB Yearly Shares OutstandingACNB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
ACNB Yearly Total Debt VS Total AssetsACNB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.2 Solvency

The Debt to FCF ratio of ACNB is 2.36, which is a good value as it means it would take ACNB, 2.36 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 2.36, ACNB perfoms like the industry average, outperforming 42.68% of the companies in the same industry.
A Debt/Equity ratio of 0.17 indicates that ACNB is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.17, ACNB perfoms like the industry average, outperforming 51.01% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 2.36
Altman-Z N/A
ROIC/WACCN/A
WACC8.61%
ACNB Yearly LT Debt VS Equity VS FCFACNB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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6

3. Growth

3.1 Past

ACNB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.92%.
The Earnings Per Share has been growing slightly by 2.30% on average over the past years.
ACNB shows a small growth in Revenue. In the last year, the Revenue has grown by 1.48%.
ACNB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.90% yearly.
EPS 1Y (TTM)-4.92%
EPS 3Y5.35%
EPS 5Y2.3%
EPS Q2Q%-15.91%
Revenue 1Y (TTM)1.48%
Revenue growth 3Y4.85%
Revenue growth 5Y6.9%
Sales Q2Q%44.9%

3.2 Future

ACNB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.91% yearly.
ACNB is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.50% yearly.
EPS Next Y20.87%
EPS Next 2Y11.91%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year40.23%
Revenue Next 2Y21.5%
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 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.
ACNB Yearly Revenue VS EstimatesACNB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
ACNB Yearly EPS VS EstimatesACNB Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 1 2 3 4

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4

4. Valuation

4.1 Price/Earnings Ratio

ACNB is valuated correctly with a Price/Earnings ratio of 12.27.
Compared to the rest of the industry, the Price/Earnings ratio of ACNB is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 28.04, ACNB is valued rather cheaply.
A Price/Forward Earnings ratio of 9.14 indicates a reasonable valuation of ACNB.
Based on the Price/Forward Earnings ratio, ACNB is valued a bit cheaper than the industry average as 66.16% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 37.64, ACNB is valued rather cheaply.
Industry RankSector Rank
PE 12.27
Fwd PE 9.14
ACNB Price Earnings VS Forward Price EarningsACNB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of ACNB indicates a slightly more expensive valuation: ACNB is more expensive than 64.90% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 16.35
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

ACNB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.59
PEG (5Y)5.34
EPS Next 2Y11.91%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

ACNB has a Yearly Dividend Yield of 3.19%. Purely for dividend investing, there may be better candidates out there.
ACNB's Dividend Yield is comparable with the industry average which is at 3.36.
ACNB's Dividend Yield is a higher than the S&P500 average which is at 2.31.
Industry RankSector Rank
Dividend Yield 3.19%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

ACNB pays out 46.52% of its income as dividend. This is a bit on the high side, but may be sustainable.
ACNB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP46.52%
EPS Next 2Y11.91%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 (7/25/2025, 8:00:00 PM)

42.71

+0.04 (+0.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24/bmo
Earnings (Next)10-22 2025-10-22/bmo
Inst Owners36.34%
Inst Owner Change-0.57%
Ins Owners3.38%
Ins Owner Change5.53%
Market Cap447.17M
Analysts84
Price Target48.96 (14.63%)
Short Float %1.5%
Short Ratio5.64
Dividend
Industry RankSector Rank
Dividend Yield 3.19%
Yearly Dividend1.26
Dividend Growth(5Y)5.05%
DP46.52%
Div Incr Years7
Div Non Decr Years16
Ex-Date08-29 2025-08-29 (0.34)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-14.9%
Min EPS beat(2)-19.67%
Max EPS beat(2)-10.13%
EPS beat(4)1
Avg EPS beat(4)3.8%
Min EPS beat(4)-19.67%
Max EPS beat(4)54.98%
EPS beat(8)3
Avg EPS beat(8)-2.97%
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)1%
Min Revenue beat(2)-0.91%
Max Revenue beat(2)2.91%
Revenue beat(4)1
Avg Revenue beat(4)0%
Min Revenue beat(4)-1.89%
Max Revenue beat(4)2.91%
Revenue beat(8)1
Avg Revenue beat(8)-2.97%
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)1.05%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.9%
EPS NY rev (1m)0%
EPS NY rev (3m)3.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.11%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.39%
Valuation
Industry RankSector Rank
PE 12.27
Fwd PE 9.14
P/S 3.84
P/FCF 16.35
P/OCF 15.48
P/B 1.16
P/tB 1.51
EV/EBITDA N/A
EPS(TTM)3.48
EY8.15%
EPS(NY)4.67
Fwd EY10.94%
FCF(TTM)2.61
FCFY6.12%
OCF(TTM)2.76
OCFY6.46%
SpS11.11
BVpS36.95
TBVpS28.33
PEG (NY)0.59
PEG (5Y)5.34
Profitability
Industry RankSector Rank
ROA 0.76%
ROE 6.41%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.32%
GM N/A
FCFM 23.51%
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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector Rank
Debt/Equity 0.17
Debt/FCF 2.36
Debt/EBITDA N/A
Cap/Depr 41.51%
Cap/Sales 1.32%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 110.26%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.61%
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)-4.92%
EPS 3Y5.35%
EPS 5Y2.3%
EPS Q2Q%-15.91%
EPS Next Y20.87%
EPS Next 2Y11.91%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.48%
Revenue growth 3Y4.85%
Revenue growth 5Y6.9%
Sales Q2Q%44.9%
Revenue Next Year40.23%
Revenue Next 2Y21.5%
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 1Y-39.78%
FCF growth 3Y-1.44%
FCF growth 5Y9.82%
OCF growth 1Y-38.47%
OCF growth 3Y-1.89%
OCF growth 5Y9.11%