ACNB Stock Analysis: ACNB | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 660m USD | 12M Return: 52.1% | US0008681092 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.81M
EPS Trend: 58.7%
Qual. Beats: 0
Rev. Trend: 96.8%
Qual. Beats: 7
Warnings
No concerns identified
Tailwinds
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
ACNB Corporation is a financial holding company that provides banking, insurance, and financial services to individual, business, and government customers in the United States. Headquartered in Gettysburg, Pennsylvania, and founded in 1857, ACNB operates as a community-oriented regional bank, a model that typically serves defined local markets through a branch-based and relationship-driven approach. The company is listed on NASDAQ and falls within the GICS Regional Banks sub-industry, a segment of community and mid-sized U.S. banks that focus on deposit gathering and local commercial lending rather than large-scale investment banking.
The companys banking operations span deposit products, including checking, savings, money market, and time deposit accounts, as well as debit cards. Its lending activities cover commercial mortgages, real estate development and construction loans, accounts receivable and inventory financing, and agricultural and governmental loans. On the consumer side, ACNB offers home equity loans and lines of credit, automobile and recreational vehicle loans, manufactured housing loans, and personal lines of credit, along with residential mortgage and construction lending.
Beyond core banking, ACNB provides wealth management and trust services, including testamentary trusts, life insurance trusts, custodial accounts, investment management, and retail brokerage. The company also offers property and casualty, health, life, and disability insurance to both commercial and personal clients. Customers can access services through online, telephone, and mobile banking platforms as well as automated teller machines, reflecting the digital delivery channels now standard across the regional banking sector.
- Net interest margin expansion slows as deposit costs rise
- Commercial real estate loan portfolio faces regional credit scrutiny
- Insurance and wealth management fees diversify noninterest income
| Net Income: 54.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.53 > 1.0 |
| NWC/Revenue: -1.30k% < 20% (prev -1.25k%; Δ -50.66% < -1%) |
| CFO/TA 0.02 > 3% & CFO 56.8m > Net Income 54.6m |
| Net Debt (303.6m) to EBITDA (75.4m): 4.03 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (10.2m) vs 12m ago -2.63% < -2% |
| Gross Margin: 79.98% > 18% (prev 76.61%; Δ 3.37% > 0.5%) |
| Asset Turnover: 6.08% > 50% (prev 4.94%; Δ 1.14% > 0%) |
| Interest Coverage Ratio: 1.73 > 6 (EBIT TTM 68.6m / Interest Expense TTM 39.8m) |
| A: -0.78 (Total Current Assets 28.0m - Total Current Liabilities 2.62b) / Total Assets 3.32b |
| B: 0.08 (Retained Earnings 273.0m / Total Assets 3.32b) |
| C: 0.02 (EBIT TTM 68.6m / Avg Total Assets 3.29b) |
| D: 0.15 (Book Value of Equity 423.3m / Total Liabilities 2.90b) |
| Altman-Z'' = -4.57 = D |
As of August 22, 2026, the stock is trading at USD 64.45 with a total of 224,965 shares traded. Over the past week, the price has changed by -0.74%, over one month by +5.31%, over three months by +19.72% and over the past year by +52.08%.
Current recommended Stop Loss: 60.90 (which is 5.5% or 2.6 ATR below the current price).
ACNB has received a consensus analysts rating of 4.50. Therefore, it is recommended to buy ACNB.
- StrongBuy: 2
- Buy: 2
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 67.7 | 5% |
P/E Trailing = 12.2203
P/E Forward = 9.7466
P/S = 4.0993
P/B = 1.5264
Revenue TTM = 199.9m USD
EBIT TTM = 68.6m USD
EBITDA TTM = 75.4m USD
Long Term Debt = 214.9m USD (from longTermDebt, last quarter)
Short Term Debt = 108.3m USD (from shortTermDebt, last quarter)
Debt = 331.6m USD (from shortLongTermDebtTotal, last quarter) + Leases 4.22m
Net Debt = 303.6m USD (calculated: Debt 331.6m - CCE 28.0m)
Enterprise Value = 963.5m USD (659.9m + Debt 331.6m - CCE 28.0m)
Interest Coverage Ratio = 1.73 (Ebit TTM 68.6m / Interest Expense TTM 39.8m)
EV/FCF = 17.84x (Enterprise Value 963.5m / FCF TTM 54.0m)
FCF Yield = 5.60% (FCF TTM 54.0m / Enterprise Value 963.5m)
FCF Margin = 27.01% (FCF TTM 54.0m / Revenue TTM 199.9m)
Net Margin = 27.30% (Net Income TTM 54.6m / Revenue TTM 199.9m)
Gross Margin = 79.98% ((Revenue TTM 199.9m - Cost of Revenue TTM 40.0m) / Revenue TTM)
Gross Margin QoQ = 80.71% (prev 80.76%)
Tobins Q-Ratio = 0.29 (Enterprise Value 963.5m / Total Assets 3.32b)
Interest Expense / Debt = 11.99% (Interest Expense 39.8m / Debt 331.6m)
Taxrate = 20.42% (14.0m / 68.6m)
NOPAT = 54.6m (EBIT 68.6m * (1 - 20.42%))
Current Ratio = 0.01 (Total Current Assets 28.0m / Total Current Liabilities 2.62b)
Debt / Equity = 0.78 (Debt 331.6m / totalStockholderEquity, last quarter 423.3m)
Debt / EBITDA = 4.03 (Net Debt 303.6m / EBITDA 75.4m)
Debt / FCF = 5.62 (Net Debt 303.6m / FCF TTM 54.0m)
Total Stockholder Equity = 419.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.66% (Net Income 54.6m / Total Assets 3.32b)
RoE = 13.02% (Net Income TTM 54.6m / Total Stockholder Equity 419.3m)
RoCE = 10.82% (EBIT 68.6m / Capital Employed (Equity 419.3m + L.T.Debt 214.9m))
RoIC = 1.65% (NOPAT 54.6m / Invested Capital 3.31b)
WACC = 7.94% (E(659.9m)/V(991.5m) * Re(7.14%) + D(331.6m)/V(991.5m) * Rd(11.99%) * (1-Tc(0.20)))
Discount Rate = 7.14% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 86.72 | Cagr: 8.43%
[DCF] Terminal Value 77.97% ; FCFF base≈46.7m ; Y1≈53.6m ; Y5≈78.9m
[DCF] Fair Price = 86.85 (EV 1.19b - Net Debt 303.6m = Equity 883.3m / Shares 10.2m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 58.74 | EPS CAGR: 9.24% | SUE: 0.45 | # QB: 0
Revenue Correlation: 96.77 | Revenue CAGR: 26.46% | SUE: 1.79 | # QB: 7
EPS current Quarter (2026-09-30): EPS=1.47 | Chg30d=+5.78% | Revisions=+50% | Analysts=4
EPS current Year (2026-12-31): EPS=5.66 | Chg30d=+4.86% | Revisions=+57% | GrowthEPS=+11.2% | GrowthRev=+11.2%
EPS next Year (2027-12-31): EPS=5.69 | Chg30d=+3.93% | Revisions=+57% | GrowthEPS=+0.5% | GrowthRev=+2.9%
[Analyst] Revisions Ratio: +79% (up=11, down=0)