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Acnb Corp. (ACNB)
NASDAQ:ACNB
US Market

ACNB (ACNB) AI Stock Analysis

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AC

ACNB

(NASDAQ:ACNB)

Rating:76Outperform
Price Target:
$47.00
â–²(7.06%Upside)
ACNB's strong financial performance and strategic growth initiatives have resulted in a solid stock score. The company's robust equity position and fair valuation metrics, along with positive corporate events, are significant strengths. However, mixed technical signals slightly offset the overall positive outlook.
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 (ACNB) vs. SPDR S&P 500 ETF (SPY)

ACNB Business Overview & Revenue Model

Company DescriptionACNB 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 MoneyACNB Corporation primarily generates revenue through interest income from its loan portfolio. The company earns money by offering various types of loans, including commercial, residential mortgage, and consumer loans, and charging interest on these loans. In addition to interest income, ACNB generates non-interest income through fees and service charges related to deposit accounts, trust and investment management services, and insurance services offered by ACNB Insurance Services, Inc. The company’s earnings are also influenced by its ability to manage interest rate spreads and maintain strong customer relationships within its local service areas.

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
78
Positive
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
72
Positive
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
75
Positive
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.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue107.47M105.92M104.81M93.93M85.29M
Gross Profit108.34M106.43M104.81M93.93M85.29M
EBITDA0.000.0048.75M38.46M26.35M
Net Income31.85M31.69M35.75M27.83M18.39M
Balance Sheet
Total Assets2.39B2.42B2.53B2.79B2.56B
Cash, Cash Equivalents and Short-Term Investments410.33M473.13M721.72M1.15B737.07M
Total Debt273.92M254.79M24.16M37.97M56.88M
Total Liabilities2.09B2.14B2.28B2.51B2.30B
Stockholders Equity303.27M277.46M245.04M272.11M257.97M
Cash Flow
Free Cash Flow38.82M39.43M37.39M40.55M24.42M
Operating Cash Flow39.78M40.60M39.20M42.13M25.47M
Investing Cash Flow2.43M15.44M-331.72M60.52M-114.85M
Financing Cash Flow-60.91M-158.24M-249.45M208.13M374.37M

ACNB Technical Analysis

Technical Analysis Sentiment
Positive
Last Price43.90
Price Trends
50DMA
42.23
Positive
100DMA
41.30
Positive
200DMA
41.71
Positive
Market Momentum
MACD
0.60
Negative
RSI
60.47
Neutral
STOCH
82.67
Negative
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 43.9 is above the 20-day moving average (MA) of 42.30, above the 50-day MA of 42.23, and above the 200-day MA of 41.71, indicating a bullish trend. The MACD of 0.60 indicates Negative momentum. The RSI at 60.47 is Neutral, neither overbought nor oversold. The STOCH value of 82.67 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ACNB.

ACNB Risk Analysis

ACNB disclosed 47 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

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
79
Outperform
$526.52M24.774.88%4.69%51.62%-34.65%
76
Outperform
$459.79M15.107.44%3.10%22.16%-15.57%
75
Outperform
$456.57M16.147.25%4.09%11.46%-1.07%
74
Outperform
$522.72M12.2215.17%1.07%6.99%12.46%
70
Outperform
$511.51M15.644.48%4.33%10.00%2.81%
68
Neutral
$568.44M18.536.27%3.75%40.06%145.33%
67
Neutral
$16.89B11.809.79%3.77%12.07%-8.35%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
ACNB
ACNB
43.97
11.43
35.13%
AROW
Arrow Financial
27.65
2.87
11.58%
NFBK
Northfield Bancorp
11.99
2.95
32.63%
UNTY
Unity Bancorp
52.31
25.27
93.45%
PFIS
Peoples Financial Services
52.39
12.55
31.50%
ALRS
Alerus Financial
22.54
4.37
24.05%

ACNB Corporate Events

Stock BuybackBusiness Operations and Strategy
ACNB Announces New Stock Repurchase Program
Neutral
Jun 18, 2025

On June 17, 2025, ACNB Corporation’s Board of Directors approved a new stock repurchase program to buy back up to 314,000 shares, or approximately 3.0% of its outstanding common stock, in open market transactions. This initiative, which replaces previous repurchase plans, is expected to be funded using available capital and is subject to various factors including market conditions and regulatory requirements. The move is likely to impact ACNB’s capital management strategy and could influence shareholder value.

The most recent analyst rating on (ACNB) stock is a Buy with a $50.00 price target. To see the full list of analyst forecasts on ACNB stock, see the ACNB Stock Forecast page.

M&A TransactionsBusiness Operations and Strategy
ACNB Unveils Investor Presentation Highlighting Growth Plans
Positive
May 30, 2025

ACNB Corporation announced an Investor Presentation to be shared with investors and analysts starting May 30, 2025. The presentation highlights ACNB’s strong financial position, with total assets of $3.3 billion and a focus on commercial loans, which make up 68% of its loan portfolio. The company has a stable and low-cost deposit base and is committed to diversifying revenue through noninterest income. Recent strategic moves include the acquisition of Traditions Bancorp, Inc., and a focus on digital transformation to enhance customer experience. The company maintains a strong capital position, allowing for shareholder returns and growth, despite challenges in the economic environment.

The most recent analyst rating on (ACNB) stock is a Buy with a $50.00 price target. To see the full list of analyst forecasts on ACNB stock, see the ACNB Stock Forecast page.

Executive/Board ChangesShareholder Meetings
ACNB Shareholders Approve Key Proposals at Annual Meeting
Neutral
May 8, 2025

On May 6, 2025, ACNB Corporation held its Annual Meeting of Shareholders, where shareholders voted on three key proposals. The election of four Class 1 Directors, approval of executive compensation, and ratification of Crowe LLP as the independent accounting firm were all passed. This meeting reflects the company’s ongoing governance and operational strategies, impacting its stakeholders and reinforcing its market position.

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.Date of analysis: Jun 22, 2025