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ACNB
(NASDAQ:ACNB)
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Rating:78Outperform
Price Target:
$69.00
▲(33.46% Upside)
Action:Reiterated
Date:05/10/26
The score is driven primarily by solid financial performance (strong margins and cash conversion, with manageable but higher-than-2021–2022 leverage) and favorable valuation (low P/E with a supported dividend). Technicals are also supportive (uptrend and positive MACD), while recent corporate actions are shareholder-friendly, partially offset by added debt/financing complexity.
Positive Factors
Strong profitability
Sustained net margin near 25.8% indicates the bank earns healthy spreads and controls costs, creating a durable earnings base. High margin resilience supports reinvestment, dividend capacity, and cushions earnings against moderate loan growth headwinds over the next several months.
Negative Factors
Modest revenue growth
Revenue growth in the low single digits limits scalability and means earnings gains rely more on margin expansion and cost control than top-line momentum. Over 2–6 months, constrained revenue could cap upside from new initiatives and make results sensitive to margin pressure.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong profitability
Sustained net margin near 25.8% indicates the bank earns healthy spreads and controls costs, creating a durable earnings base. High margin resilience supports reinvestment, dividend capacity, and cushions earnings against moderate loan growth headwinds over the next several months.
Read all positive factors
ACNB (ACNB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$595.46M
Dividend Yield2.78%
Average Volume (3M)20.18K
Price to Earnings (P/E)11.9
Beta (1Y)0.81
Revenue Growth38.10%
EPS Growth68.10%
CountryUS
Employees391
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.90
Shares Outstanding10,212,044
10 Day Avg. Volume22,248
30 Day Avg. Volume20,179
Financial Highlights & Ratios
PEG Ratio-3.59
Price to Book (P/B)1.18
Price to Sales (P/S)2.91
P/FCF Ratio9.44
Enterprise Value/Market Cap1.28
Enterprise Value/Revenue3.86
Enterprise Value/Gross Profit4.84
Enterprise Value/Ebitda10.81
Forecast
1Y Price Target
$61.00Price Target Upside17.99% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)5.4
Revenue Forecast (FY)$167.73M
ACNB Business Overview & Revenue Model
Company Description
ACNB Corporation operates as a financial holding company, offering a comprehensive suite of banking, insurance, and financial services to a diverse clientele including individuals, businesses, and government entities across the United States. Its ...
How the Company Makes Money
ACNB primarily makes money through traditional community banking activities. The largest driver is net interest income: the bank earns interest and fees on loans (including commercial and industrial, commercial real estate, residential real estate...
ACNB Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
67
Positive
Cash Flow
72
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 197.70M | 170.38M | 132.19M | 114.75M | 108.44M | 100.94M |
| Gross Profit | 157.82M | 125.53M | 111.10M | 105.58M | 104.81M | 93.97M |
| EBITDA | 70.61M | 53.19M | 43.45M | 43.21M | 48.75M | 38.46M |
| Net Income | 51.03M | 37.05M | 31.85M | 31.69M | 35.75M | 27.83M |
Balance Sheet | ||||||
| Total Assets | 3.27B | 3.23B | 2.39B | 2.42B | 2.53B | 2.79B |
| Cash, Cash Equivalents and Short-Term Investments | 93.64M | 20.61M | 64.85M | 517.65M | 721.72M | 1.15B |
| Total Debt | 283.57M | 329.02M | 273.92M | 254.79M | 66.12M | 73.17M |
| Total Liabilities | 2.84B | 2.81B | 2.09B | 2.14B | 2.28B | 2.51B |
| Stockholders Equity | 425.48M | 419.97M | 303.27M | 277.46M | 245.04M | 272.11M |
Cash Flow | ||||||
| Free Cash Flow | 75.91M | 52.57M | 38.82M | 39.43M | 37.39M | 40.55M |
| Operating Cash Flow | 78.04M | 53.64M | 39.78M | 40.60M | 39.20M | 42.13M |
| Investing Cash Flow | -47.52M | 64.65M | 2.43M | 15.44M | -331.72M | 60.52M |
| Financing Cash Flow | -60.44M | -99.90M | -60.91M | -158.24M | -249.45M | 208.13M |
ACNB Technical Analysis
Positive
51.70
Price Trends
54.77
Positive
51.58
Positive
48.99
Positive
Market Momentum
1.50
Positive
54.41
Neutral
50.69
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ACNB, the sentiment is Positive. The current price of 51.7 is below the 20-day moving average (MA) of 58.28, below the 50-day MA of 54.77, and above the 200-day MA of 48.99, indicating a bullish trend. The MACD of 1.50 indicates Positive momentum. The RSI at 54.41 is Neutral, neither overbought nor oversold. The STOCH value of 50.69 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ACNB.
ACNB Risk Analysis
ACNB disclosed 42 risk factors in its most recent earnings report. ACNB reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
ACNB Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
82 Outperform | $472.83M | 10.50 | 18.18% | 2.40% | 0.80% | -1.33% | |
78 Outperform | $595.46M | 11.90 | 12.38% | 2.78% | 38.10% | 68.10% | |
77 Outperform | $659.34M | 12.87 | 12.04% | 3.59% | 8.85% | 82.76% | |
70 Outperform | $587.78M | 11.65 | 10.67% | ― | 17.01% | 61.90% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
ACNB
ACNB
58.31
15.97
37.72%
AROW
Arrow Financial
39.89
13.41
50.66%
BWB
Bridgewater Bancshares
21.08
4.40
26.38%
BSVN
Bank7
49.67
6.32
14.58%
ACNB Corporate Events
Business Operations and StrategyExecutive/Board ChangesFinancial DisclosuresShareholder Meetings
ACNB Shareholders Approve Governance Measures and Share Increase
Positive
May 6, 2026
At its 2025 annual meeting held on May 5, 2026, ACNB shareholders elected four Class 3 directors to new three-year terms and gave non-binding approval to the company’s executive compensation program. Investors also ratified Crowe LLP as inde...
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
ACNB Boosts Dividend and Launches New Share Repurchase
Positive
Apr 29, 2026
On April 28, 2026, ACNB Corporation’s board approved a 10.5% increase in its regular quarterly cash dividend to $0.42 per share for the second quarter of 2026 and declared a one-time special cash dividend of $0.50 per share, both payable on ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.