ACNB Corporation

ACNB Corporation

ACNBยทNASDAQ

$52.62

-2.0%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$537.36M
EPS3.6100
P/E Ratio14.58
Earnings Date07/23/2026
ACNB Corporation

ACNB Corporation Fair Value Envelope

ACNB ยท NASDAQ

Our analysis suggests that ACNB has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $52.62, this represents a potential HIDDEN relative to our calculated worth for ACNB Corporation.

Intrinsic Value
Current Price: $52.62

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$11.0B
+ Cash & Equivalents$20.6M
Firm Value$11.0B
- Debt$329.0M
Equity Value$10.7B
/ Shares Outstanding10,423,410B
DCF Value$1.0K
UNDERVALUED BY 1847%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$72.6M
$98.4M
$133.2M
$180.3M
$244.2M
$330.6M
$447.7M
$606.2M
$820.8M
$1.1B
Maintenance CapEx
-$291.4K
-$394.6K
-$534.3K
-$723.4K
-$979.5K
-$1.3M
-$1.8M
-$2.4M
-$3.3M
-$4.5M
Owner Earnings
$72.3M
$98.0M
$132.6M
$179.6M
$243.2M
$329.3M
$445.9M
$603.7M
$817.5M
$1.1B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$67.0M
$84.0M
$105.3M
$132.0M
$165.5M
$207.5M
$260.2M
$326.2M
$409.0M
$512.7M
Terminal Value represents 79.3% of Enterprise Value