ACNB Corporation ACNB R2K

Financial Services · Banks - Regional · United States

https://www.acnb.com

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.

Market & Price

Market Cap

$554.41M

Current Price

$54.29

High / Low (52W)

$55.06 / $39.39

Beta

0.87

Valuation

Stock P/E

10.97

Industry PE

12.01

Forward P/E

9.91

PEG Ratio

Book Value

$41.16

Price to Book

1.32

P/S

3.49

EV/EBITDA

Dividend Yield

3.09%

Profitability & Returns

ROCE

ROE

12.56%

ROA

1.56%

Profit Margin

32.12%

Op Margin

45.66%

EPS (Latest Qtr)

$1.32

EPS (TTM)

$4.95

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$287.20M

Total Assets

$3.23B

Current Assets

Working Capital

Ownership

Promoter Holding

3.87%

Chg in Prom Hold

0.05%

FII / Inst Holding

41.17%

Chg in FII Hold

-0.00%

Financial Snapshot

Enterprise Value

$742.39M

Total Revenue (TTM)

$158.86M

EBITDA

Free Cash Flow

Operating Cash Flow

$79.31M

Shares Outstanding

10.21M

Gross Margin

0.00%

Payout Ratio

29.09%

Growth (CAGR)

Revenue 5Y

13.12%

Profit 5Y

1.20%

Revenue (YoY)

42.70%

Earnings (YoY)

PROS

Excellent profit margin of 32.1%.
Compounding revenue at 13.1% over 5 years.
Attractive dividend yield of 3.09%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

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	54.29	10.97	$554.41M	3.09%	-	12.56%	13.12%	1.20%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

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

Compounded Sales Growth

5 Years:	13.12%
1 Year:	42.70%

Compounded Profit Growth

5 Years:	1.20%
1 Year:	-

Stock Price Performance

1 Year:	+33.60%
6 Months:	+12.41%
3 Months:	+7.72%
1 Month:	+7.25%

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	-	-	-	-	-	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 %	-	-	-	-	8.7%	9.4%	9.6%	9.1%	6.4%	12.9%	12.5%	7.1%	-	14.6%	11.4%	10.5%	8.8%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

3.87%

Institutions

41.17%

Public Float

42.83%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	6.10%	622.58K	$33.80M
2	Vanguard Capital Management LLC	4.19%	427.66K	$23.22M
3	FMR, LLC	3.56%	363.66K	$19.74M
4	Private Capital Management, LLC	3.52%	359.74K	$19.53M
5	Dimensional Fund Advisors LP	3.28%	334.84K	$18.18M
6	Geode Capital Management, LLC	2.41%	246.38K	$13.38M
7	State Street Corporation	1.92%	195.58K	$10.62M
8	American Century Companies Inc	1.80%	183.62K	$9.97M
9	Manufacturers Life Insurance Co.	1.60%	162.98K	$8.85M
10	Bridgeway Capital Management, LLC	1.04%	106.16K	$5.76M

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ACNB · Financial Services