(ACNB) ACNB - Overview
Stock: Banking, Insurance, Loans, Trust Services, Wealth Management
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.14% |
| Yield on Cost 5y | 6.48% |
| Yield CAGR 5y | 7.59% |
| Payout Consistency | 94.1% |
| Payout Ratio | 24.3% |
| Risk 5d forecast | |
|---|---|
| Volatility | 38.1% |
| Relative Tail Risk | -8.57% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.92 |
| Alpha | 13.41 |
| Character TTM | |
|---|---|
| Beta | 0.522 |
| Beta Downside | 0.547 |
| Drawdowns 3y | |
|---|---|
| Max DD | 34.60% |
| CAGR/Max DD | 0.34 |
Description: ACNB ACNB December 28, 2025
ACNB Corporation (NASDAQ:ACNB) is a diversified financial holding company headquartered in Gettysburg, Pennsylvania. It serves individuals, businesses, and government entities through a full suite of banking products-including checking, savings, money-market accounts, and time deposits-plus a broad array of commercial and consumer loan offerings such as mortgages, construction financing, home-equity lines, auto loans, and agricultural loans. The firm also provides wealth-management services (trusts, custodial accounts, advisory), retail brokerage, and a range of insurance products (property-casualty, health, life, disability), all delivered via online, telephone, and mobile channels.
Key recent metrics suggest the bank is navigating a higher-rate environment with mixed results: Q2 2024 net interest margin (NIM) expanded to 4.12% year-over-year, while total loan balances grew 5.3% driven primarily by commercial real-estate and consumer credit. Deposits rose 3.8% as customers shifted toward higher-yield money-market accounts, but the loan-to-deposit ratio remains modest at 73%, indicating a conservative balance-sheet stance. Sector-wide, regional banks are sensitive to Fed policy cycles; a sustained rate-hike trajectory could boost NIM but also pressure credit quality, especially in construction and agricultural loan portfolios.
For a deeper dive into ACNB’s valuation dynamics and scenario analysis, you might find ValueRay’s interactive models useful.
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income: 37.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.31 > 1.0 |
| NWC/Revenue: -866.5% < 20% (prev -1319 %; Δ 452.4% < -1%) |
| CFO/TA 0.01 > 3% & CFO 46.6m > Net Income 37.1m |
| Net Debt (329.0m) to EBITDA (52.0m): 6.33 < 3 |
| Current Ratio: 0.04 > 1.5 & < 3 |
| Outstanding Shares: last quarter (10.4m) vs 12m ago 21.66% < -2% |
| Gross Margin: 82.12% > 18% (prev 0.84%; Δ 8128 % > 0.5%) |
| Asset Turnover: 6.82% > 50% (prev 5.52%; Δ 1.30% > 0%) |
| Interest Coverage Ratio: 1.10 > 6 (EBITDA TTM 52.0m / Interest Expense TTM 30.1m) |
Altman Z'' -2.94
| A: -0.51 (Total Current Assets 65.9m - Total Current Liabilities 1.73b) / Total Assets 3.23b |
| B: 0.08 (Retained Earnings 257.3m / Total Assets 3.23b) |
| C: 0.01 (EBIT TTM 33.3m / Avg Total Assets 2.81b) |
| D: 0.09 (Book Value of Equity 262.7m / Total Liabilities 2.81b) |
| Altman-Z'' Score: -2.94 = D |
What is the price of ACNB shares?
Over the past week, the price has changed by +3.04%, over one month by +4.38%, over three months by +13.23% and over the past year by +27.13%.
Is ACNB a buy, sell or hold?
- StrongBuy: 2
- Buy: 2
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the ACNB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 55.7 | 10.2% |
| Analysts Target Price | 55.7 | 10.2% |
| ValueRay Target Price | 58.9 | 16.5% |
ACNB Fundamental Data Overview January 25, 2026
P/E Forward = 9.7466
P/S = 3.7254
P/B = 1.2907
Revenue TTM = 191.8m USD
EBIT TTM = 33.3m USD
EBITDA TTM = 52.0m USD
Long Term Debt = 255.4m USD (from longTermDebt, two quarters ago)
Short Term Debt = 64.7m USD (from shortTermDebt, last quarter)
Debt = 329.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 329.0m USD (from netDebt column, last quarter)
Enterprise Value = 838.2m USD (509.2m + Debt 329.0m - (null CCE))
Interest Coverage Ratio = 1.10 (Ebit TTM 33.3m / Interest Expense TTM 30.1m)
EV/FCF = 18.50x (Enterprise Value 838.2m / FCF TTM 45.3m)
FCF Yield = 5.41% (FCF TTM 45.3m / Enterprise Value 838.2m)
FCF Margin = 23.62% (FCF TTM 45.3m / Revenue TTM 191.8m)
Net Margin = 19.32% (Net Income TTM 37.1m / Revenue TTM 191.8m)
Gross Margin = 82.12% ((Revenue TTM 191.8m - Cost of Revenue TTM 34.3m) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 81.09%)
Tobins Q-Ratio = 0.26 (Enterprise Value 838.2m / Total Assets 3.23b)
Interest Expense / Debt = 3.15% (Interest Expense 10.4m / Debt 329.0m)
Taxrate = 18.00% (2.37m / 13.2m)
NOPAT = 27.3m (EBIT 33.3m * (1 - 18.00%))
Current Ratio = 0.04 (Total Current Assets 65.9m / Total Current Liabilities 1.73b)
Debt / Equity = 0.78 (Debt 329.0m / totalStockholderEquity, last quarter 420.0m)
Debt / EBITDA = 6.33 (Net Debt 329.0m / EBITDA 52.0m)
Debt / FCF = 7.26 (Net Debt 329.0m / FCF TTM 45.3m)
Total Stockholder Equity = 402.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.32% (Net Income 37.1m / Total Assets 3.23b)
RoE = 9.20% (Net Income TTM 37.1m / Total Stockholder Equity 402.7m)
RoCE = 5.06% (EBIT 33.3m / Capital Employed (Equity 402.7m + L.T.Debt 255.4m))
RoIC = 3.98% (NOPAT 27.3m / Invested Capital 685.6m)
WACC = 5.78% (E(509.2m)/V(838.2m) * Re(7.84%) + D(329.0m)/V(838.2m) * Rd(3.15%) * (1-Tc(0.18)))
Discount Rate = 7.84% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 0.0 | Cagr: 0.0%
[DCF Debug] Terminal Value 86.48% ; FCFF base≈43.6m ; Y1≈44.3m ; Y5≈48.2m
Fair Price DCF = 106.7 (EV 1.44b - Net Debt 329.0m = Equity 1.11b / Shares 10.4m; r=5.90% [WACC]; 5y FCF grow 1.13% → 2.90% )
EPS Correlation: 25.61 | EPS CAGR: 16.55% | SUE: 0.53 | # QB: 0
Revenue Correlation: 90.05 | Revenue CAGR: 21.78% | SUE: 4.0 | # QB: 5
EPS next Quarter (2026-03-31): EPS=1.20 | Chg30d=-0.010 | Revisions Net=+3 | Analysts=1
EPS current Year (2026-12-31): EPS=5.18 | Chg30d=+0.115 | Revisions Net=+3 | Growth EPS=+1.7% | Growth Revenue=+7.6%
EPS next Year (2027-12-31): EPS=5.17 | Chg30d=+0.063 | Revisions Net=+3 | Growth EPS=-0.1% | Growth Revenue=+2.0%