ACNB (ACNB) AI Stock Analysis

• Market Cap: $459.79M
• Dividend Yield: 3.1%
• Average Volume (3M): 31.22K
• Price to Earnings (P/E): 15.1
• Beta (1Y): 0.96
• Revenue Growth: 22.16%
• EPS Growth: -15.57%
• Country: US
• Employees: 391
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 1.03
• Shares Outstanding: 10,473,686
• 10 Day Avg. Volume: 46,729
• 30 Day Avg. Volume: 31,219
• 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: 0.43
• Enterprise Value/Revenue: 0.48
• Enterprise Value/Gross Profit: 1.74
• Enterprise Value/Ebitda: 1.97
• 1Y Price Target: $47.00
• Price Target Upside: 7.06% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 76 Outperform
• Price Target: $47.00 ▲(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 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 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

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
EBITDA	0.00	0.00	48.75M	38.46M	26.35M
Net Income	31.85M	31.69M	35.75M	27.83M	18.39M
Balance Sheet
Total Assets	2.39B	2.42B	2.53B	2.79B	2.56B
Cash, Cash Equivalents and Short-Term Investments	410.33M	473.13M	721.72M	1.15B	737.07M
Total Debt	273.92M	254.79M	24.16M	37.97M	56.88M
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: Positive
• Last Price: 43.90
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PFIS	79 Outperform	$526.52M	24.77	4.88%	4.69%	51.62%	-34.65%
ACNB	76 Outperform	$459.79M	15.10	7.44%	3.10%	22.16%	-15.57%
AROW	75 Outperform	$456.57M	16.14	7.25%	4.09%	11.46%	-1.07%
UNTY	74 Outperform	$522.72M	12.22	15.17%	1.07%	6.99%	12.46%
NFBK	70 Outperform	$511.51M	15.64	4.48%	4.33%	10.00%	2.81%
ALRS	68 Neutral	$568.44M	18.53	6.27%	3.75%	40.06%	145.33%
Sector *	67 Neutral	$16.89B	11.80	9.79%	3.77%	12.07%	-8.35%

ACNB Corporate Events

ACNB Announces New Stock Repurchase Program

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.

ACNB Unveils Investor Presentation Highlighting Growth Plans

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.

ACNB Shareholders Approve Key Proposals at Annual Meeting

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.