ACNB Corporation ACNB R2K

Financial Services · Banks - Regional · United States

https://www.acnb.com

Company Profile ↓

$59.63

+42.02% 1Y

Mkt Cap$608.94M

P/E12.05

P/B1.40

Div. Yield2.92%

52W High$61.25

52W Low$39.72

Book Value$41.16

EPS (TTM)$4.95

Company Overview

ACNB Corporation, a financial holding company, offers 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 that include personal residential mortgages, residential construction loans, and investment mortgage loans. In addition, the company offers other services that are related to testamentary trusts, life insurance trusts, charitable, guardianships, powers of attorney, custodial accounts, investment management and advisory accounts, wealth management, and retail brokerage and services. Further, the company offers property and casualty, health, life, and disability insurance products to commercial and personal clients; online, telephone, and mobile banking; as well as automated teller machine services. ACNB Corporation was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.

Why Investors Should Care

Steady Revenue Expansion

Revenue has grown at a 13.1% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 12.1, below the sector median of 13.3.

Healthy Margins

Maintains a net profit margin of 32.1%.

Dividend Income

Offers a dividend yield of 2.92%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

Dec 2025 Revenue of $151.70M (+40.0% YoY); net profit $37.05M.
Trailing 12 Months Year-on-year growth — revenue +42.7%, earnings +16.3%.
5-Year Trend Long-term compounding — revenue CAGR 13.1%, profit CAGR 1.2%.

Growth & Price Performance

Compounded Sales Growth

5 Years:	13.12%
1 Year:	42.70%

Compounded Profit Growth

5 Years:	1.20%
1 Year:	16.34%

Stock Price Performance

1 Year:	+42.02%
6 Months:	+26.44%
3 Months:	+18.26%
1 Month:	+4.60%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish

52-Week Range 92% of range

$39.72 $61.25

Trend Signals

Price vs 50-DMAAbove
Price vs 200-DMAAbove
RSI (14)59.13 · Neutral

Price Performance

1M+4.60%

3M+18.26%

6M+26.44%

1Y+42.02%

Valuation vs Sector

P/E of 12.05 is below the sector median of 13.30 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

Price Chart

Robinhood TradingView

Fundamental Growth Charts

Period: Metric:

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

Excellent profit margin of 32.1%.
Compounding revenue at 13.1% over 5 years.
Attractive dividend yield of 2.92%.
Generates positive free cash flow.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Valuation

Stock P/E

12.05

Industry PE

13.30

Forward P/E

10.89

PEG Ratio

Book Value

$41.16

Price to Book

1.40

P/S

3.70

EV/EBITDA

Dividend Yield

2.92%

Growth (CAGR)

Revenue 5Y

13.12%

Profit 5Y

1.20%

Revenue (YoY)

42.70%

Earnings (YoY)

16.34%

Profitability & Returns

ROCE

ROE

12.56%

ROA

1.56%

Profit Margin

32.12%

Op Margin

45.66%

Gross Margin

0.00%

EPS (Latest Qtr)

$1.32

EPS (TTM)

$4.95

Balance Sheet & Liquidity

Debt/Equity

0.73

Quick Ratio

Current Ratio

Debt

$287.20M

Total Assets

$3.27B

Current Assets

Working Capital

Ownership

Promoter Holding

Chg in Prom Hold

FII / Inst Holding

Chg in FII Hold

Financial Snapshot

Enterprise Value

$608.94M

Total Revenue (TTM)

$158.86M

EBITDA

Free Cash Flow

$52.57M

Operating Cash Flow

$79.31M

Shares Outstanding

10.21M

Gross Margin

0.00%

Payout Ratio

29.09%

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	ACNB ACNB Corporation R2K	59.63	12.05	$608.94M	2.92%	-	12.56%	13.12%	1.20%
2	JPM JPMorgan Chase & Co. SPX	342.89	16.42	$918.78B	1.87%	-	16.47%	5.35%	7.56%
3	BRK-B Berkshire Hathaway Inc. SPX	491.09	14.61	$686.70B	0.00%	-	10.50%	4.18%	9.44%
4	V Visa Inc. SPX	356.02	31.01	$590.89B	0.83%	37.15%	60.35%	14.33%	13.04%
5	MA Mastercard Incorporated SPX	538.02	31.10	$471.86B	0.71%	60.19%	-	12.29%	19.21%
6	BAC Bank of America Corporation SPX	60.62	15.04	$430.20B	2.00%	-	10.64%	6.00%	3.49%
7	MS Morgan Stanley SPX	227.67	20.62	$359.10B	1.87%	-	16.39%	3.76%	9.66%
8	GS The Goldman Sachs Group, Inc. SPX	1,140.00	20.83	$336.31B	1.69%	-	14.55%	-	2.21%
9	WFC Wells Fargo & Company SPX	85.29	13.18	$261.00B	2.11%	-	12.03%	4.02%	15.98%

Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric	Sep 2014	Dec 2014	Mar 2015	Jun 2015	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	31.64M	33.30M	-	34.27M	39.69M	40.55M	37.18M	40.79M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9.20M	10.56M	10.35M	10.01M	9.72M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-549.00K	14.91M	18.92M	13.18M	17.26M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-277.00K	3.26M	4.05M	2.37M	3.56M
Net Income	2.62M	2.46M	2.54M	2.81M	2.81M	2.85M	2.55M	2.98M	2.77M	2.57M	2.64M	2.72M	1.91M	2.52M	4.91M	5.51M	6.04M	5.86M	6.47M	6.31M	-1.22M	5.80M	6.77M	7.47M	8.51M	7.36M	6.60M	8.63M	10.32M	9.02M	9.52M	9.04M	6.77M	11.28M	-	-272.00K	11.65M	14.87M	10.80M	13.70M
Diluted EPS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.76	0.99	1.20	1.06	1.12	1.06	0.80	1.32	-	-0.03	1.11	1.42	1.04	1.32

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	104.81M	106.43M	108.34M	151.70M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	3.62M	8.32M	23.85M	40.12M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	44.95M	39.85M	40.42M	46.45M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	9.20M	8.16M	8.57M	9.40M
Net Income	7.22M	8.42M	8.50M	8.89M	9.31M	10.29M	11.02M	10.87M	9.79M	21.75M	23.72M	18.39M	-	35.75M	31.69M	31.85M	37.05M
Diluted EPS	-	-	-	-	-	-	-	-	-	-	-	-	-	4.15	3.71	3.73	3.60

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	968.67M	1.00B	1.05B	1.05B	1.09B	1.15B	1.21B	1.60B	1.65B	1.72B	2.56B	2.79B	2.53B	2.42B	2.39B	3.23B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	16.93M	24.14M	24.17M	22.62M	51.38M	18.12M	19.67M	18.76M	18.93M	34.44M	40.91M	114.36M	399.35M	710.13M	168.16M	65.96M	47.26M	65.65M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Liabilities	-	-	874.91M	907.35M	948.73M	939.25M	979.79M	1.03B	1.09B	1.44B	1.48B	1.53B	2.30B	2.51B	2.28B	2.14B	2.09B	2.81B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	81.50M	71.19M	59.95M	82.70M	80.94M	76.50M	74.25M	94.60M	83.52M	66.30M	53.74M	34.70M	21.00M	195.29M	255.33M	255.38M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	24.16M	224.79M	258.10M	304.83M
Total Equity	84.44M	88.30M	93.75M	97.47M	101.26M	106.80M	110.02M	114.72M	120.06M	153.97M	168.14M	189.52M	257.97M	272.11M	245.04M	277.46M	303.27M	419.97M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	8.84M	8.90M	8.95M	11.03M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	10.41M	8.91M	18.15M	9.30M	17.99M	10.81M	14.38M	12.12M	17.01M	29.54M	25.72M	25.47M	-	39.20M	40.60M	39.78M	53.64M
Investing Cash Flow	18.19M	-7.37M	-48.29M	-17.80M	-38.12M	-44.13M	-64.14M	-59.44M	-51.95M	-53.62M	8.02M	-114.85M	-	-331.72M	15.44M	2.43M	64.65M
Financing Cash Flow	-21.39M	-1.50M	28.58M	37.26M	-13.13M	34.87M	48.85M	47.49M	50.46M	30.54M	39.71M	374.37M	-	-249.45M	-158.24M	-60.91M	-99.90M
Capital Expenditure	-1.95M	-1.09M	-1.94M	-2.05M	-2.21M	-3.15M	-1.74M	-2.34M	-1.76M	-1.74M	-1.42M	-1.05M	-	-1.81M	-1.17M	-960.00K	-1.08M
Free Cash Flow	8.46M	7.82M	16.21M	7.25M	15.77M	7.67M	12.64M	9.78M	15.25M	27.80M	24.30M	24.42M	-	37.39M	39.43M	38.82M	52.57M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-541.97M	-102.20M	-18.70M	18.39M
Share Buybacks	286.00K	-	-	-	-	-	-	-	-	-	-	0	1.52M	6.68M	2.03M	249.00K	11.16M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	34.1%	29.8%	29.4%	24.4%
ROE %	8.2%	9.0%	8.7%	8.8%	8.7%	9.4%	9.6%	9.1%	6.4%	12.9%	12.5%	7.1%	-	14.6%	11.4%	10.5%	8.8%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for ACNB

Yahoo Finance Fri, 10 Jul 2026

Why ACNB (ACNB) is a Great Dividend Stock Right Now

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does ACNB (ACNB) have what it takes? Let's find out.

Yahoo Finance Wed, 24 Jun 2026

Why ACNB (ACNB) is a Top Dividend Stock for Your Portfolio

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does ACNB (ACNB) have what it takes? Let's find out.

Yahoo Finance Mon, 08 Jun 2026

ACNB (ACNB) Could Be a Great Choice

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does ACNB (ACNB) have what it takes? Let's find out.

Yahoo Finance Mon, 08 Jun 2026

How to Maximize Your Retirement Portfolio with These Top-Ranked Dividend Stocks

The traditional ways to plan for your retirement may mean income can no longer cover expenses post-employment. But what if there was another option that could provide a steady, reliable source of income in your nest egg years?…

Yahoo Finance ue, 02 Jun 2026

3 Top-Ranked Dividend Stocks: A Smarter Way to Boost Your Retirement Income

The traditional retirement planning approaches no longer cover all expenses in nest egg years. So what can retirees do? Thankfully, there are alternative investments that provide steady, higher-rate income streams to replace dwindling bond …

Yahoo Finance hu, 28 May 2026

Do Options Traders Know Something About ACNB Stock We Don't?

Investors need to pay close attention to ACNB stock based on the movements in the options market lately.

ACNB — Frequently Asked Questions

What is the current share price of ACNB Corporation (ACNB)?

As of 2026-07-14 21:23 PDT, ACNB Corporation (ACNB) trades at $59.63 on NasdaqCM. Its 52-week range is $39.72 to $61.25.

What is the market capitalisation of ACNB?

ACNB Corporation (ACNB) has a market capitalisation of $608.94M on NasdaqCM.

What is the P/E ratio of ACNB?

ACNB trades at a trailing price-to-earnings (P/E) ratio of 12.05. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.40.

Does ACNB pay a dividend?

ACNB Corporation (ACNB) currently offers a dividend yield of 2.92%.

What is the return on equity (ROE) of ACNB?

ACNB has a return on equity (ROE) of 12.56%.

Is ACNB a good stock to buy?

This page provides a data-driven analysis of ACNB Corporation (ACNB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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ACNB Corporation ACNB R2K

Company Overview

Why Investors Should Care

Recent Developments

Growth & Price Performance

Compounded Sales Growth

Compounded Profit Growth

Stock Price Performance

Price Chart

Technical Trend

Fundamental Growth Charts

PROS

CONS

Valuation

Growth (CAGR)

Profitability & Returns

Balance Sheet & Liquidity

Ownership

Financial Snapshot

Peer comparison

Quarterly Results

Profit & Loss (Annual)

Balance Sheet (Annual)

Cash Flows (Annual)

Ratios (Annual)

Analyst View

Latest News

Why ACNB (ACNB) is a Great Dividend Stock Right Now

Why ACNB (ACNB) is a Top Dividend Stock for Your Portfolio

ACNB (ACNB) Could Be a Great Choice

How to Maximize Your Retirement Portfolio with These Top-Ranked Dividend Stocks

3 Top-Ranked Dividend Stocks: A Smarter Way to Boost Your Retirement Income

Do Options Traders Know Something About ACNB Stock We Don't?

ACNB — Frequently Asked Questions

What is the current share price of ACNB Corporation (ACNB)?

What is the market capitalisation of ACNB?

What is the P/E ratio of ACNB?

Does ACNB pay a dividend?

What is the return on equity (ROE) of ACNB?

Is ACNB a good stock to buy?

Explore More