ACNB CORP (ACNB) Fundamental Analysis & Valuation

NASDAQ:ACNB • US0008681092

Current stock price

47.25 USD
-0.2 (-0.42%)
At close:
47.25 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.

3

1. ACNB Profitability Analysis

1.1 Basic Checks

  • ACNB had positive earnings in the past year.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.15%, ACNB is in line with its industry, outperforming 57.63% of the companies in the same industry.
  • The Return On Equity of ACNB (8.82%) is worse than 62.63% of 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 has a Profit Margin of 24.42%. This is comparable to the rest of the industry: ACNB outperforms 41.58% of its industry peers.
  • In the last couple of years the Profit Margin of ACNB has grown nicely.
  • 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) 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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3

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.
  • The Debt to FCF ratio of ACNB (1.62) is better than 66.84% of its industry peers.
  • ACNB has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
  • With a decent Debt to Equity ratio value of 0.20, ACNB is doing good in the industry, outperforming 60.53% 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
WACC8.4%
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

  • The Earnings Per Share has grown by an impressive 29.22% over the past year.
  • Measured over the past years, ACNB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.07% on average per year.
  • The Revenue has grown by 40.02% in the past year. This is a very strong growth!
  • 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-4.62%
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.
  • Based on estimates for the next years, ACNB will show a small growth in Revenue. The Revenue will grow by 3.68% on average per year.
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

  • 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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5

4. ACNB Valuation Analysis

4.1 Price/Earnings Ratio

  • ACNB is valuated reasonably with a Price/Earnings ratio of 9.80.
  • Compared to the rest of the industry, the Price/Earnings ratio of ACNB indicates a somewhat cheap valuation: ACNB is cheaper than 79.47% of the companies listed in the same industry.
  • ACNB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.88.
  • ACNB is valuated reasonably with a Price/Forward Earnings ratio of 9.01.
  • ACNB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ACNB is cheaper than 71.84% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.19. ACNB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.8
Fwd PE 9.01
ACNB Price Earnings VS Forward Price EarningsACNB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of ACNB indicates a somewhat cheap valuation: ACNB is cheaper than 61.32% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.3
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

  • ACNB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.12
PEG (5Y)0.89
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 3.20%.
  • ACNB's Dividend Yield is a higher than the industry average which is at 2.69.
  • ACNB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.2%

5.2 History

  • On average, the dividend of ACNB grows each year by 6.68%, which is quite nice.
  • ACNB has paid a dividend for at least 10 years, which is a reliable track record.
  • ACNB has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)6.68%
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

  • 38.82% of the earnings are spent on dividend by ACNB. This is a low number and 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 (3/27/2026, 8:00:00 PM)

After market: 47.25 0 (0%)

47.25

-0.2 (-0.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners39.44%
Inst Owner Change0.22%
Ins Owners3.33%
Ins Owner Change2.64%
Market Cap489.04M
Revenue(TTM)151.70M
Net Income(TTM)37.05M
Analysts80
Price Target57.8 (22.33%)
Short Float %1.17%
Short Ratio3.3
Dividend
Industry RankSector Rank
Dividend Yield 3.2%
Yearly Dividend1.52
Dividend Growth(5Y)6.68%
DP38.82%
Div Incr Years7
Div Non Decr Years16
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)0.13%
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 9.8
Fwd PE 9.01
P/S 3.22
P/FCF 9.3
P/OCF 9.12
P/B 1.16
P/tB 1.47
EV/EBITDA N/A
EPS(TTM)4.82
EY10.2%
EPS(NY)5.24
Fwd EY11.1%
FCF(TTM)5.08
FCFY10.75%
OCF(TTM)5.18
OCFY10.97%
SpS14.66
BVpS40.58
TBVpS32.18
PEG (NY)1.12
PEG (5Y)0.89
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
WACC8.4%
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 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 8.77% in the next year.