ACNB (ACNB) AI Stock Analysis

• Market Cap: $524.54M
• Dividend Yield: 2.73%
• Average Volume (3M): 20.18K
• Price to Earnings (P/E): 15.2
• Beta (1Y): 0.76
• Revenue Growth: 41.95%
• EPS Growth: -4.72%
• Country: US
• Employees: 391
• Sector: N/A
• Sector Strength: N/A
• Industry: Banks - Regional
• EPS (TTM): 1.42
• Shares Outstanding: 10,384,812
• 10 Day Avg. Volume: 22,248
• 30 Day Avg. Volume: 20,179
• PEG Ratio: 13.19
• Price to Book (P/B): 1.12
• Price to Sales (P/S): 2.56
• P/FCF Ratio: 8.72
• Enterprise Value/Market Cap: 1.47
• Enterprise Value/Revenue: 4.79
• Enterprise Value/Gross Profit: 6.25
• Enterprise Value/Ebitda: 20.98
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 78 Outperform
• Price Target: $56.00 ▲(25.67% Upside)

ACNB's strong financial performance, positive technical indicators, and strategic corporate events contribute to a robust stock score. The company's ability to maintain growth and improve shareholder returns through acquisitions and dividend increases are significant strengths. However, declining profitability margins and a moderate valuation slightly temper the overall score.

ACNB Business Overview & Revenue Model

Company Description

ACNB Corporation is a financial holding company headquartered in Gettysburg, Pennsylvania. It operates through its primary subsidiary, ACNB Bank, which offers a comprehensive range of financial services, including commercial and retail banking, mortgage banking, and wealth management. ACNB serves customers across various sectors, focusing on delivering personalized banking solutions and fostering community relationships.

How the Company Makes Money

ACNB generates revenue primarily through interest income from loans and investments, as well as non-interest income from service fees, mortgage origination fees, and wealth management services. The majority of revenue comes from interest on loans made to consumers and businesses, which typically constitute a significant portion of their asset portfolio. Additionally, ACNB earns fees from account services, transactions, and financial advisory services. The company may also engage in partnerships with local businesses and institutions to enhance service offerings, thereby increasing customer acquisition and retention, which contributes to its overall earnings.

ACNB Financial Statement Overview

Summary

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Cash Flow

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Income Statement
Total Revenue
Gross Profit
EBITDA
Net Income
Balance Sheet
Total Assets
Cash, Cash Equivalents and Short-Term Investments
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ACNB Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 44.56
• 50DMA: Positive
• 100DMA: Positive
• 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 Neutral. The current price of 44.56 is below the 20-day moving average (MA) of 50.34, below the 50-day MA of 47.43, and above the 200-day MA of 43.39, indicating a neutral trend. The MACD of 1.17 indicates Positive momentum. The RSI at 49.97 is Neutral, neither overbought nor oversold. The STOCH value of 23.95 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for ACNB.

ACNB Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	―	―	―	―	―	―	―
ACNB	78 Outperform	$524.54M	15.17	9.18%	2.73%	41.95%	-4.72%
AROW	78 Outperform	$518.18M	15.28	8.49%	3.59%	6.86%	6.11%
BSVN	75 Outperform	$402.81M	9.24	19.46%	2.36%	-6.72%	19.64%
BWB	74 Outperform	$500.11M	13.81	8.63%	―	13.96%	25.74%
FFIC	60 Neutral	$582.34M	-14.36	-5.05%	5.16%	-11.91%	-235.73%
FFWM	48 Neutral	$511.40M	-3.15	-16.22%	―	-6.47%	-75.82%

ACNB Corporate Events

ACNB Repositions Investment Portfolio for Higher Yields

On December 2, 2025, ACNB Corporation executed a strategic repositioning of its investment securities portfolio, selling $74.6 million in lower-yielding agency debt and purchasing higher-yielding securities. This move is expected to improve interest income by approximately $2.6 million over the next 12 months, despite an estimated after-tax loss of $2.8 million from the sale. ACNB anticipates recovering this loss in about 1.42 years, with no impact on stockholders’ equity or book value per share. The company’s capital levels remain robust, and it expects to maintain profitability for the fourth quarter of 2025.

ACNB Highlights Q3 2025 Financial Performance

ACNB Corporation has released an investor presentation detailing its financial performance and strategic initiatives as of the third quarter of 2025. The company highlights its strong capital position, stable asset quality, and focus on expense management to support growth and customer experience improvement. The presentation also notes the successful acquisition of Traditions Bancorp, Inc. in early 2025, contributing to its market presence and profitability.

ACNB Increases Quarterly Dividend by 11.8%

On October 21, 2025, ACNB Corporation’s Board of Directors approved a regular quarterly cash dividend of $0.38 per share, marking an 11.8% increase from the previous quarter and an 18.8% increase from the same quarter in 2024. This decision reflects the company’s strong financial performance and commitment to providing sustainable returns for shareholders, continuing a trend of increasing dividends since 2017.

ACNB Bank Purchases Life Insurance for Executives

On October 15, 2025, ACNB Bank purchased single premium bank-owned life insurance policies for several senior officers, including Executive Vice President Brett D. Fulk, under its 2023 Executive Supplemental Life Insurance Plan. This plan aims to attract and retain employees by offering life insurance benefits, with the bank owning the cash values and being the beneficiary of death benefits exceeding vested amounts. The plan includes a five-year vesting period and other customary terms, impacting the bank’s employee retention strategies.