ACNB (ACNB) AI Stock Analysis

• Market Cap: $408.43M
• Dividend Yield: 3.33%
• Average Volume (3M): 45.08K
• Price to Earnings (P/E): 10.4
• Beta (1Y): 0.97
• Revenue Growth: 14.82%
• EPS Growth: 0.62%
• Country: US
• Employees: 391
• Sector: Financial
• Sector Strength: 86
• Industry: Banks - Regional
• EPS (TTM): 3.73
• Shares Outstanding: 10,542,731
• 10 Day Avg. Volume: 42,381
• 30 Day Avg. Volume: 45,075
• PEG Ratio: 16.73
• Price to Book (P/B): N/A
• Price to Sales (P/S): 4.08
• Price to Cash Flow (P/CF): 19.40
• P/FCF Ratio: 10.30
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $48.50
• Price Target Upside: 26.14% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

ACNB's overall stock score of 75 reflects strong financial health, attractive valuation, and positive growth prospects due to the recent acquisition of Traditions Bancorp. Technical indicators show moderate upward momentum, supporting a favorable outlook. However, attention is needed on managing liabilities and cash flow fluctuations to sustain long-term performance.

Positive Factors

Acquisitions

The acquisition increases the total asset base from $2.4B to a pro forma ~$3.3B, adding meaningful scale for the bank.

Investment Opportunity

Shares of ACNB trade at a discount compared to its peer group, making it an attractive investment opportunity.

Profitability

Management expects 35% cost saves from the Traditions acquisition, enhancing profitability.

Negative Factors

Risks

Risks include missed growth and/or profitability expectations, deterioration in asset quality, and general weakness in bank stock valuations.

ACNB Business Overview & Revenue Model

Company Description

ACNB Corporation is a financial holding company based in Gettysburg, Pennsylvania. It primarily operates through its wholly-owned subsidiary, ACNB Bank, which provides a comprehensive range of banking and financial services to individuals, businesses, and municipalities. The bank offers traditional banking services, such as checking and savings accounts, loans, and wealth management services, through its branch network across central Pennsylvania and northern Maryland.

How the Company Makes Money

ACNB Corporation makes money primarily through its subsidiary, ACNB Bank, which generates revenue by offering a variety of financial products and services. Key revenue streams include interest income from loans and investments, fees from deposit accounts, and wealth management and trust services. The company also earns money through its insurance subsidiary, Russell Insurance Group, Inc., which provides insurance solutions. ACNB's profitability is influenced by interest rates, loan demand, economic conditions, and its ability to manage risk effectively. Significant partnerships with local businesses and community engagement also contribute to its earnings by fostering customer loyalty and expanding its service reach.

ACNB Financial Statement Overview

Summary

ACNB demonstrates solid financial health with consistent revenue growth and effective cost management. The balance sheet is strong, supported by stable equity and manageable debt levels. Cash flow generation is robust, although attention is needed on investing cash flow fluctuations. Overall, ACNB is well-positioned in the banking industry but should remain vigilant to manage liabilities and cash reserves effectively.

Income Statement

ACNB's income statement demonstrates steady revenue growth, with a revenue increase from $105.9 million to $107.5 million. The net profit margin is healthy, showcasing efficient cost management. However, the absence of EBIT and EBITDA data limits full profitability analysis.

Balance Sheet

ACNB maintains a solid equity base with a stable equity ratio and a manageable debt-to-equity ratio. The return on equity remains healthy, indicating effective use of equity capital. However, relatively high liabilities compared to assets could pose risks if not managed carefully.

Cash Flow

The cash flow statement reflects consistent free cash flow generation, supported by strong operating cash flows. The free cash flow to net income ratio is robust, indicating efficient cash conversion. However, fluctuating investing cash flows suggest potential volatility in cash reserves.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
107.47M	105.92M	421.00K	93.93M	93.00M
	Gross Profit
107.47M	106.43M	421.00K	93.93M	93.00M
	EBIT
-67.31M	0.00	48.58M	35.02M	22.70M
	EBITDA
0.00	0.00	48.75M	38.46M	26.35M
	Net Income Common Stockholders
31.85M	31.69M	35.75M	27.83M	18.39M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
410.33M	473.13M	721.72M	1.15B	737.07M
	Total Assets
2.39B	2.42B	2.53B	2.79B	2.56B
	Total Debt
15.83M	254.79M	24.16M	37.97M	56.88M
	Net Debt
-526.00K	188.83M	-144.00M	-672.16M	-342.47M
	Total Liabilities
2.09B	2.14B	2.28B	37.97M	56.88M
	Stockholders Equity
303.27M	277.46M	245.04M	272.11M	257.97M
Cash Flow		Free Cash Flow
38.82M	39.43M	37.39M	40.55M	24.42M
	Operating Cash Flow
39.78M	40.60M	39.20M	42.13M	25.47M
	Investing Cash Flow
2.43M	15.44M	-331.72M	60.52M	-114.85M
	Financing Cash Flow
-60.91M	-158.24M	-249.45M	208.13M	374.37M

ACNB Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 38.45
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ACNB, the sentiment is Negative. The current price of 38.45 is below the 20-day moving average (MA) of 40.56, below the 50-day MA of 40.70, and below the 200-day MA of 40.83, indicating a bearish trend. The MACD of 0.17 indicates Positive momentum. The RSI at 51.48 is Neutral, neither overbought nor oversold. The STOCH value of 37.97 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for ACNB.

ACNB Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ACNB	75 Outperform	$408.43M	10.38	10.97%	3.33%	14.82%	0.62%
UNTY	74 Outperform	$397.58M	9.73	15.17%	1.34%	6.99%	12.46%
AROW	70 Neutral	$401.39M	13.53	7.61%	4.58%	16.37%	0.52%
NFBK	67 Neutral	$420.82M	13.57	4.27%	5.42%	13.88%	-16.22%
Sector *	64 Neutral	$13.37B	9.30	9.39%	4.85%	16.11%	-8.85%
PFIS	57 Neutral	$407.98M	41.23	2.10%	5.54%	40.44%	-70.58%
ALRS	56 Neutral	$411.49M	19.38	4.85%	4.96%	37.74%	76.77%

ACNB Corporate Events

ACNB Announces Restricted Stock Awards for Executives

On March 14, 2025, ACNB Corporation and ACNB Bank announced the granting of restricted stock awards to several executive officers under the ACNB Bank Variable Compensation Plan and the ACNB Corporation 2018 Omnibus Stock Incentive Plan. These awards, which are subject to specific vesting schedules and forfeiture conditions, are designed to incentivize and retain key personnel within the organization.

ACNB Expands Through Traditions Bancorp Acquisition

On February 1, 2025, ACNB Corporation completed the acquisition of Traditions Bancorp, Inc., incorporating it and its subsidiary, Traditions Bank, into ACNB’s operations. Following the merger, Traditions Bank branches will operate under the ACNB brand, and Traditions shareholders received ACNB stock. The acquisition increases ACNB’s assets, deposits, and loans, enhancing its presence in the York and Lancaster County markets. Three former directors from Traditions joined ACNB’s Board, bringing substantial banking and business expertise to the company.