Acnb Corp. (ACNB)
NASDAQ:ACNB
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ACNB
(NASDAQ:ACNB)
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Rating:78Outperform
Price Target:
$61.00
▲(17.99% 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
High profitability and cash conversion
ACNB’s net margin (~25.8%) and free cash flow converting to ~97% of net income indicate durable earnings quality and strong cash generation. Persistent cash conversion supports dividends, buybacks and organic lending growth without relying heavily on external financing.
Negative Factors
Modest revenue growth
Revenue growth near ~3.7% TTM shows limited top-line momentum, meaning earnings expansion depends more on margin maintenance and capital allocation than scale. Over months, constrained loan growth or fee growth can cap medium-term EPS upside absent acquisitions or new product lines.
Read all positive and negative factors
Positive Factors
Negative Factors
High profitability and cash conversion
ACNB’s net margin (~25.8%) and free cash flow converting to ~97% of net income indicate durable earnings quality and strong cash generation. Persistent cash conversion supports dividends, buybacks and organic lending growth without relying heavily on external financing.
Read all positive factors
ACNB (ACNB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$556.05M
Dividend Yield2.78%
Average Volume (3M)20.18K
Price to Earnings (P/E)9.0
Beta (1Y)0.82
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 Cap1.34
Enterprise Value/Revenue3.77
Enterprise Value/Gross Profit4.73
Enterprise Value/Ebitda10.56
Forecast
1Y Price Target
$58.00Price Target Upside12.19% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)5.33
Revenue Forecast (FY)$163.12M
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 ...
How the Company Makes Money
ACNB primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is earned from the spread between interest and fees collected on loans and other interest-earning assets and the interest paid on deposits a...
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
50.32
Positive
49.97
Positive
47.77
Positive
Market Momentum
1.00
Negative
63.98
Neutral
83.91
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 51.7 is below the 20-day moving average (MA) of 52.61, above the 50-day MA of 50.32, and above the 200-day MA of 47.77, indicating a bullish trend. The MACD of 1.00 indicates Negative momentum. The RSI at 63.98 is Neutral, neither overbought nor oversold. The STOCH value of 83.91 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 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $556.05M | 9.04 | 12.38% | 2.78% | 38.10% | 68.10% | |
78 Outperform | $416.85M | 7.88 | 18.18% | 2.40% | 0.80% | -1.33% | |
74 Outperform | $608.60M | 10.20 | 12.04% | 3.59% | 8.85% | 82.76% | |
70 Outperform | $521.98M | 7.07 | 10.67% | ― | 17.01% | 61.90% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $537.73M | 22.37 | 4.89% | 5.16% | 17.82% | ― |
* Financial Sector Average
ACNB
ACNB
54.45
13.74
33.75%
AROW
Arrow Financial
36.82
12.13
49.11%
FFIC
Flushing Financial
15.87
4.82
43.57%
BWB
Bridgewater Bancshares
18.72
4.02
27.35%
BSVN
Bank7
43.79
7.32
20.09%
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 ...
Executive/Board Changes
ACNB Grants Restricted Stock Awards to Executive Officers
Positive
Mar 18, 2026
On March 13, 2026, ACNB Corporation and ACNB Bank granted restricted stock variable equity awards to several executive officers, including President and CEO James P. Helt and other senior leaders, under the company’s existing variable compen...
Business Operations and StrategyPrivate Placements and Financing
ACNB Issues Subordinated Notes to Strengthen Capital Structure
Positive
Mar 12, 2026
On March 12, 2026, ACNB Corporation privately placed $15 million of 5.875% fixed-to-floating rate subordinated notes due March 15, 2036, with institutional accredited investors and qualified institutional buyers at par. The unsecured notes, which ...
Business Operations and StrategyPrivate Placements and Financing
ACNB Redeems 4% Subordinated Notes to Optimize Capital
Positive
Mar 2, 2026
On February 27, 2026, ACNB Corporation announced it would redeem on March 31, 2026 all of its outstanding 4.00% fixed-to-floating rate subordinated notes due March 31, 2031, totaling $15 million in principal. The notes will be redeemed at 100% of ...
Business Operations and StrategyExecutive/Board Changes
ACNB Enhances Executive Change-in-Control Protections and Benefits
Neutral
Feb 20, 2026
On February 19, 2026, ACNB Corporation and its subsidiary ACNB Bank amended employment agreements for Chief Financial Officer Jason H. Weber and Chief Strategy Officer Brett D. Fulk to enhance change-in-control protections. The changes increase po...
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.