ACNB Stock Analysis: ACNB | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 642m USD | 12M Return: 53.6% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 4.50M
EPS Trend: 58.7%
Qual. Beats: 0
Rev. Trend: 94.3%
Qual. Beats: 6
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 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: 51.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 1.48 > 1.0 |
| NWC/Revenue: -1.27k% < 20% (prev -1.39k%; Δ 119.9% < -1%) |
| CFO/TA 0.02 > 3% & CFO 78.0m > Net Income 51.0m |
| Net Debt (194.3m) to EBITDA (70.6m): 2.75 < 3 |
| Current Ratio: 0.04 > 1.5 & < 3 |
| Outstanding Shares: last quarter (10.4m) vs 12m ago 5.53% < -2% |
| Gross Margin: 79.83% > 18% (prev 78.94%; Δ 0.88% > 0.5%) |
| Asset Turnover: 6.05% > 50% (prev 4.40%; Δ 1.64% > 0%) |
| Interest Coverage Ratio: 1.58 > 6 (EBIT TTM 64.3m / Interest Expense TTM 40.6m) |
| A: -0.77 (Total Current Assets 109.7m - Total Current Liabilities 2.62b) / Total Assets 3.27b |
| B: 0.08 (Retained Earnings 267.1m / Total Assets 3.27b) |
| C: 0.02 (EBIT TTM 64.3m / Avg Total Assets 3.27b) |
| D: 0.15 (Book Value of Equity 425.5m / Total Liabilities 2.84b) |
| Altman-Z'' = -4.49 = D |
As of July 28, 2026, the stock is trading at USD 64.00 with a total of 152,352 shares traded. Over the past week, the price has changed by +5.44%, over one month by +6.79%, over three months by +28.99% and over the past year by +53.59%.
Current recommended Stop Loss: 60.40 (which is 5.6% or 2.4 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 | 59.7 | -6.8% |
P/E Trailing = 12.2296
P/E Forward = 9.7466
P/S = 4.041
P/B = 1.453
Revenue TTM = 197.7m USD
EBIT TTM = 64.3m USD
EBITDA TTM = 70.6m USD
Long Term Debt = 215.4m USD (from longTermDebt, last quarter)
Short Term Debt = 63.8m USD (from shortTermDebt, last quarter)
Debt = 287.9m USD (from shortLongTermDebtTotal, last quarter) + Leases 4.35m
Net Debt = 194.3m USD (calculated: Debt 287.9m - CCE 93.6m)
Enterprise Value = 836.2m USD (641.9m + Debt 287.9m - CCE 93.6m)
Interest Coverage Ratio = 1.58 (Ebit TTM 64.3m / Interest Expense TTM 40.6m)
EV/FCF = 11.02x (Enterprise Value 836.2m / FCF TTM 75.9m)
FCF Yield = 9.08% (FCF TTM 75.9m / Enterprise Value 836.2m)
FCF Margin = 38.39% (FCF TTM 75.9m / Revenue TTM 197.7m)
Net Margin = 25.81% (Net Income TTM 51.0m / Revenue TTM 197.7m)
Gross Margin = 79.83% ((Revenue TTM 197.7m - Cost of Revenue TTM 39.9m) / Revenue TTM)
Gross Margin QoQ = 80.76% (prev 77.07%)
Tobins Q-Ratio = 0.26 (Enterprise Value 836.2m / Total Assets 3.27b)
Interest Expense / Debt = 14.11% (Interest Expense 40.6m / Debt 287.9m)
Taxrate = 20.60% (13.2m / 64.3m)
NOPAT = 51.0m (EBIT 64.3m * (1 - 20.60%))
Current Ratio = 0.04 (Total Current Assets 109.7m / Total Current Liabilities 2.62b)
Debt / Equity = 0.68 (Debt 287.9m / totalStockholderEquity, last quarter 425.5m)
Debt / EBITDA = 2.75 (Net Debt 194.3m / EBITDA 70.6m)
Debt / FCF = 2.56 (Net Debt 194.3m / FCF TTM 75.9m)
Total Stockholder Equity = 412.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.56% (Net Income 51.0m / Total Assets 3.27b)
RoE = 12.38% (Net Income TTM 51.0m / Total Stockholder Equity 412.3m)
RoCE = 10.24% (EBIT 64.3m / Capital Employed (Equity 412.3m + L.T.Debt 215.4m))
RoIC = 7.30% (NOPAT 51.0m / Invested Capital 699.2m)
WACC = 8.87% (E(641.9m)/V(929.8m) * Re(7.82%) + D(287.9m)/V(929.8m) * Rd(14.11%) * (1-Tc(0.21)))
Discount Rate = 7.82% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 89.54 | Cagr: 9.16%
[DCF] Terminal Value 76.31% ; FCFF base≈56.5m ; Y1≈64.8m ; Y5≈95.3m
[DCF] Fair Price = 109.7 (EV 1.31b - Net Debt 194.3m = Equity 1.12b / Shares 10.2m; r=8.87% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 58.74 | EPS CAGR: 9.24% | SUE: 0.45 | # QB: 0
Revenue Correlation: 94.27 | Revenue CAGR: 23.77% | SUE: 1.71 | # QB: 6
EPS current Quarter (2026-09-30): EPS=1.39 | Chg30d=+0.00% | Revisions=+40% | Analysts=4
EPS current Year (2026-12-31): EPS=5.40 | Chg30d=+0.00% | Revisions=+40% | GrowthEPS=+6.0% | GrowthRev=+10.2%
EPS next Year (2027-12-31): EPS=5.48 | Chg30d=+0.00% | Revisions=+50% | GrowthEPS=+1.4% | GrowthRev=+2.4%
[Analyst] Revisions Ratio: +70% (up=7, down=0)