ACNB (ACNB) AI Stock Analysis

• Market Cap: $422.72M
• Dividend Yield: 3.18%
• Average Volume (3M): 36.90K
• Price to Earnings (P/E): 10.8
• Beta (1Y): 1.08
• Revenue Growth: 14.82%
• EPS Growth: 0.62%
• Country: US
• Employees: 413
• Sector: Financial
• Sector Strength: 77
• Industry: Banking
• EPS (TTM): 3.73
• Shares Outstanding: 10,589,144
• 10 Day Avg. Volume: 46,985
• 30 Day Avg. Volume: 36,896
• PEG Ratio: 17.36
• Price to Book (P/B): N/A
• Price to Sales (P/S): 3.31
• Price to Cash Flow (P/CF): 6.30
• P/FCF Ratio: 4.70
• 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: $50.00
• Price Target Upside: 25.25% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

ACNB's overall score is driven by its strong financial performance, reasonable valuation, and positive corporate outlook. Despite some technical weaknesses, the company's solid fundamentals and strategic growth prospects suggest potential for continued stability and growth in the banking sector.

Positive Factors

Acquisition Benefits

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

Cost Savings

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

Negative Factors

Risks and Challenges

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, primarily engaged in the operation of its banking subsidiary, ACNB Bank. The company operates in the financial services sector, providing a range of banking and related financial services to individuals, businesses, and government entities. ACNB Bank offers core services including commercial and retail banking, mortgage lending, and wealth management services. The company serves its customers through a network of community banking offices located in Pennsylvania and Maryland.

How the Company Makes Money

ACNB Corporation generates revenue primarily through its banking operations. The company earns money from net interest income, which is the difference between the interest income earned on loans and securities, and the interest expense paid on deposits and borrowings. Additionally, ACNB generates non-interest income from fees and services such as deposit account fees, wealth management services, and mortgage banking income. The company also benefits from its investment portfolio and gains from the sale of securities. Key revenue streams include commercial and residential loan interest, service charges on deposit accounts, and commissions from trust and investment services. Strategic partnerships and acquisitions may also play a role in enhancing the company's financial position and expanding its market reach.

ACNB Financial Statement Overview

Summary

ACNB exhibits a robust financial profile with solid revenue growth, efficient cost management, and strong cash flow generation. The balance sheet is well-managed, although attention should be paid to rising liabilities. Overall, the company is in a strong position, with potential for continued growth and stability in the banking sector.

Income Statement

ACNB's income statement shows a strong performance with a consistent increase in total revenue and net income over the years. The TTM (Trailing-Twelve-Months) gross profit margin is high, indicating efficient cost management. However, there is noticeable variability in EBIT and EBITDA margins, suggesting some fluctuation in operational efficiency.

Balance Sheet

ACNB maintains a solid balance sheet with a reasonable debt-to-equity ratio and a healthy equity ratio, reflecting financial stability. The increase in stockholders' equity over the periods indicates good returns to shareholders. However, the rise in total liabilities suggests a cautious approach to leverage is warranted.

Cash Flow

The cash flow statement reveals a strong operating cash flow to net income ratio, demonstrating effective cash generation from operations. The free cash flow growth rate is positive, indicating growing cash reserves. The company maintains positive free cash flow, which supports its financial flexibility.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
93.56M	105.92M	421.00K	93.93M	93.00M	77.59M
	Gross Profit
93.56M	106.43M	421.00K	93.93M	93.00M	77.59M
	EBIT
38.65M	0.00	48.58M	35.02M	22.70M	29.37M
	EBITDA
37.48M	0.00	48.75M	38.46M	26.35M	32.06M
	Net Income Common Stockholders
27.08M	31.69M	35.75M	27.83M	18.39M	23.72M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
53.13M	473.13M	721.72M	1.15B	737.07M	305.19M
	Total Assets
2.41B	2.42B	2.53B	2.79B	2.56B	1.72B
	Total Debt
275.05M	254.79M	24.16M	37.97M	56.88M	69.80M
	Net Debt
221.92M	188.83M	-144.00M	-672.16M	-342.47M	-44.56M
	Total Liabilities
2.13B	2.14B	2.28B	37.97M	56.88M	1.53B
	Stockholders Equity
279.92M	277.46M	245.04M	272.11M	257.97M	189.52M
Cash Flow		Free Cash Flow
31.33M	39.43M	37.39M	40.55M	24.42M	24.30M
	Operating Cash Flow
33.37M	40.60M	39.20M	42.13M	25.47M	25.72M
	Investing Cash Flow
-213.01M	15.44M	-331.72M	60.52M	-114.85M	8.02M
	Financing Cash Flow
-17.61M	-158.24M	-249.45M	208.13M	374.37M	39.71M

ACNB Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 39.92
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• 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 39.92 is below the 20-day moving average (MA) of 40.88, below the 50-day MA of 39.94, and above the 200-day MA of 39.71, indicating a neutral trend. The MACD of 0.08 indicates Positive momentum. The RSI at 44.13 is Neutral, neither overbought nor oversold. The STOCH value of 29.85 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
TRST	74 Outperform	$570.88M	12.10	7.39%	4.64%	6.97%	-16.70%
ACNB	70 Outperform	$422.72M	10.78	10.97%	3.18%	14.82%	0.62%
CZNC	70 Outperform	$306.54M	11.80	9.60%	5.63%	3.55%	7.29%
WSFS	64 Neutral	$2.92B	11.45	10.41%	1.19%	10.71%	0.54%
Sector *	64 Neutral	$13.80B	10.64	9.23%	4.22%	17.66%	-7.66%
FULT	62 Neutral	$3.18B	11.71	9.69%	3.95%	21.10%	-4.20%
SASR	57 Neutral	$1.29B	65.82	1.27%	4.70%	6.67%	-83.79%

ACNB Corporate Events

ACNB Corporation: Strong Growth Prospects and Stability

ACNB Corporation, a holding company for ACNB Bank and ACNB Insurance Services, presents a promising investment opportunity with a strong commercial focus, stable and low-cost deposits, and attractive growth prospects in Pennsylvania and Maryland. Its robust capital position allows for strategic growth and shareholder returns, while a commitment to noninterest income and expense management enhances profitability. With a dividend yield of 3.07%, ACNB offers an attractive entry point for investors amid a resilient operating environment.