ACNB (ACNB) AI Stock Analysis

• Market Cap: $439.48M
• Dividend Yield: 3.24%
• Average Volume (3M): 20.27K
• Price to Earnings (P/E): 14.1
• Beta (1Y): 0.87
• Revenue Growth: 22.17%
• EPS Growth: -15.57%
• Country: US
• Employees: 391
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): 1.03
• Shares Outstanding: 10,473,686
• 10 Day Avg. Volume: 23,421
• 30 Day Avg. Volume: 20,269
• PEG Ratio: 0.32
• Price to Book (P/B): 1.40
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 9.18
• Enterprise Value/Market Cap: 0.45
• Enterprise Value/Revenue: 0.48
• Enterprise Value/Gross Profit: 1.74
• Enterprise Value/Ebitda: 1.97
• 1Y Price Target: $47.00
• Price Target Upside: 12.01% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 74 Outperform
• Price Target: ―

ACNB's overall stock score reflects its solid financial performance and attractive valuation. The recent acquisition of Traditions Bancorp strengthens its market position and adds strategic value. However, technical indicators suggest potential short-term volatility, which investors should consider. Despite these mixed signals, ACNB is well-positioned in its industry, offering a reasonable P/E ratio and a healthy dividend yield.

Positive Factors

Acquisition Impact

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

Financial Performance

ACNB has historically posted above-peer returns driven by a stronger relative NIM and strong fee contribution.

Investment Opportunity

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

Negative Factors

Risk Factors

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	104.81M	93.93M	85.29M
	Gross Profit
108.34M	106.43M	104.81M	93.93M	85.29M
	EBIT
42.46M	0.00	44.95M	35.02M	28.67M
	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
273.92M	254.79M	24.16M	37.97M	56.88M
	Net Debt
226.66M	188.83M	-144.00M	-672.16M	-342.47M
	Total Liabilities
2.09B	2.14B	2.28B	2.51B	2.30B
	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: 41.96
• 50DMA: Negative
• 100DMA: Positive
• 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 41.96 is below the 20-day moving average (MA) of 42.02, above the 50-day MA of 41.36, and above the 200-day MA of 41.53, indicating a bearish trend. The MACD of -0.05 indicates Positive momentum. The RSI at 44.90 is Neutral, neither overbought nor oversold. The STOCH value of 55.30 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
PFIS	78 Outperform	$488.64M	22.98	4.88%	5.03%	51.62%	-34.65%
UNTY	77 Outperform	$443.68M	10.37	15.17%	1.27%	6.99%	12.46%
AROW	76 Outperform	$436.06M	14.92	7.25%	4.28%	11.46%	-1.07%
ACNB	74 Outperform	$439.48M	14.14	7.44%	3.24%	22.17%	-15.57%
NFBK	71 Outperform	$520.46M	15.39	4.48%	4.26%	10.00%	2.81%
ALRS	71 Outperform	$548.41M	17.88	6.27%	3.71%	40.06%	145.33%
Sector *	64 Neutral	$12.93B	9.70	7.85%	78.03%	12.07%	-7.83%

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.