ACNB (ACNB) AI Stock Analysis

• Market Cap: $506.16M
• Dividend Yield: 2.78%
• Average Volume (3M): 20.18K
• Price to Earnings (P/E): 14.9
• Beta (1Y): 0.77
• Revenue Growth: 41.95%
• EPS Growth: -4.72%
• Country: US
• Employees: 391
• Sector: Financial
• Sector Strength: 70
• 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: 1.52
• Enterprise Value/Revenue: 4.79
• Enterprise Value/Gross Profit: 6.25
• Enterprise Value/Ebitda: 20.98
• 1Y Price Target: $52.00
• Price Target Upside: 6.69% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 78 Outperform
• Price Target: $56.00 ▲(14.90% 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.

Positive Factors

Revenue Growth

Robust revenue growth indicates effective business strategies and expanding market presence, supporting long-term financial health.

Strategic Acquisition

The acquisition enhances market presence and profitability, positioning ACNB for sustained growth and competitive advantage.

Dividend Increase

Consistent dividend increases reflect strong financial performance and commitment to shareholder returns, enhancing investor confidence.

Negative Factors

Declining Profit Margins

Decreasing margins suggest rising costs or competitive pressures, potentially impacting profitability and operational efficiency.

Decreased Return on Equity

Lower ROE indicates reduced efficiency in generating returns from equity, which may affect long-term shareholder value.

Profitability Pressure

Pressure on profitability could limit future growth and investment capabilities, affecting long-term financial stability.

ACNB Business Overview & Revenue Model

Company Description

ACNB Corporation, a financial holding company, provides banking, insurance, and financial services to individual, business, and government customers in the United States. The company offers checking, savings, and money market deposit accounts, as well as time deposits and debit cards. It also provides commercial lending products, such as commercial mortgages, real estate development and construction loans, accounts receivable and inventory financing, and agricultural and governmental loans; consumer lending products, including home equity loans and lines of credit, automobile and recreational vehicle loans, manufactured housing loans, and personal lines of credit; and mortgage lending programs include personal residential mortgages, and residential construction and investment mortgage loans. In addition, the company provides other services that are related to testamentary trusts, life insurance trusts, charitable remainder trusts, guardianships, powers of attorney, custodial accounts, and investment management and advisory accounts; and retail brokerage services. Further, it acts as a trustee to invest in, protect, manage, and distribute financial assets. Additionally, the company offers property and casualty, health, life, and disability insurance products to commercial and individual clients; and online, telephone, and mobile banking, as well as automated teller machine services. As of December 31, 2021, it operated through a network of 19 community banking offices located in Pennsylvania, including 12 offices in Adams county, five offices in York county, one office in Cumberland County, and one office in Franklin County; five community banking offices located in Frederick County; six community banking offices located in Carroll county, Maryland; and loan offices located in Lancaster and York, Pennsylvania, and Hunt Valley, Maryland. The company was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.

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

ACNB demonstrates solid financial health with strong revenue growth and cash flow generation. However, profitability margins have declined, and return on equity has decreased, indicating some pressure on profitability and efficiency.

Income Statement

ACNB's income statement shows a strong revenue growth rate of 11.78% TTM, indicating robust top-line expansion. However, margins have declined compared to previous years, with the net profit margin at 15.64% TTM, down from 24.09% in 2024. This suggests some pressure on profitability, possibly due to increased costs or competitive pressures.

Balance Sheet

The balance sheet reflects a moderate debt-to-equity ratio of 0.77 TTM, which is an improvement from previous years, indicating better leverage management. However, the return on equity has decreased to 7.23% TTM, suggesting reduced efficiency in generating returns from equity capital.

Cash Flow

ACNB's cash flow statement is strong, with a significant free cash flow growth rate of 31.18% TTM. The operating cash flow to net income ratio of 0.86 TTM indicates good cash generation relative to net income, although slightly lower than in previous years.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	160.99M	132.19M	114.75M	108.44M	100.94M	105.38M
Gross Profit	123.34M	111.10M	105.58M	104.81M	93.97M	84.02M
EBITDA	36.73M	43.45M	43.21M	48.75M	38.46M	26.35M
Net Income	25.18M	31.85M	31.69M	35.75M	27.83M	18.39M
Balance Sheet
Total Assets	3.26B	2.39B	2.42B	2.53B	2.79B	2.56B
Cash, Cash Equivalents and Short-Term Investments	558.43M	64.85M	517.65M	721.72M	1.15B	737.07M
Total Debt	303.34M	273.92M	254.79M	66.12M	73.17M	95.35M
Total Liabilities	2.86B	2.09B	2.14B	2.28B	2.51B	2.30B
Stockholders Equity	395.15M	303.27M	277.46M	245.04M	272.11M	257.97M
Cash Flow
Free Cash Flow	35.88M	38.82M	39.43M	37.39M	40.55M	24.42M
Operating Cash Flow	36.95M	39.78M	40.60M	39.20M	42.13M	25.47M
Investing Cash Flow	99.49M	2.43M	15.44M	-331.72M	60.52M	-114.85M
Financing Cash Flow	-119.60M	-60.91M	-158.24M	-249.45M	208.13M	374.37M

ACNB Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 48.74
• 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 Positive. The current price of 48.74 is below the 20-day moving average (MA) of 49.44, above the 50-day MA of 48.67, and above the 200-day MA of 43.96, indicating a neutral trend. The MACD of -0.26 indicates Positive momentum. The RSI at 49.06 is Neutral, neither overbought nor oversold. The STOCH value of 62.86 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ACNB.

ACNB Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ACNB	78 Outperform	$506.16M	14.88	9.18%	2.78%	41.95%	-4.72%
AROW	78 Outperform	$527.80M	15.43	8.49%	3.59%	6.86%	6.11%
BSVN	75 Outperform	$407.82M	9.51	19.46%	2.40%	-6.72%	19.64%
BWB	74 Outperform	$496.53M	13.69	8.63%	―	13.96%	25.74%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FFIC	54 Neutral	$511.41M	-12.75	-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.

The most recent analyst rating on (ACNB) stock is a Buy with a $55.00 price target. To see the full list of analyst forecasts on ACNB stock, see the ACNB Stock Forecast page.

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.

The most recent analyst rating on (ACNB) stock is a Buy with a $52.00 price target. To see the full list of analyst forecasts on ACNB stock, see the ACNB Stock Forecast page.

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.

The most recent analyst rating on (ACNB) stock is a Buy with a $49.00 price target. To see the full list of analyst forecasts on ACNB stock, see the ACNB Stock Forecast page.

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.

The most recent analyst rating on (ACNB) stock is a Hold with a $47.00 price target. To see the full list of analyst forecasts on ACNB stock, see the ACNB Stock Forecast page.