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Financial Services - Banks - Regional - NASDAQ - US
$ 41.29
0.438 %
$ 432 M
Market Cap
14.24
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one ACNB stock under the worst case scenario is HIDDEN Compared to the current market price of 41.3 USD, ACNB Corporation is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one ACNB stock under the base case scenario is HIDDEN Compared to the current market price of 41.3 USD, ACNB Corporation is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one ACNB stock under the best case scenario is HIDDEN Compared to the current market price of 41.3 USD, ACNB Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart ACNB

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$44.0$44.0$43.0$43.0$42.0$42.0$41.0$41.0$40.0$40.0$39.0$39.0$38.0$38.0$37.0$37.0$36.0$36.0Jan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 Jun
FINANCIALS
132 M REVENUE
15.20%
40.4 M OPERATING INCOME
1.43%
31.8 M NET INCOME
0.50%
39.8 M OPERATING CASH FLOW
-2.02%
2.43 M INVESTING CASH FLOW
-84.27%
-60.9 M FINANCING CASH FLOW
61.51%
43.5 M REVENUE
31.01%
-549 K OPERATING INCOME
-6.67%
-272 K NET INCOME
-4.12%
-71 K OPERATING CASH FLOW
-1.24%
88.9 M INVESTING CASH FLOW
1225.09%
-12.6 M FINANCING CASH FLOW
45.99%
Balance Sheet ACNB Corporation
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Current Assets 64.9 M
Cash & Short-Term Investments 64.9 M
Receivables 0
Other Current Assets 0
Non-Current Assets 2.33 B
Long-Term Investments 2.11 B
PP&E 28.1 M
Other Non-Current Assets 193 M
88.06 %8.06 %Total Assets$2.4b
Current Liabilities 1.81 B
Accounts Payable 0
Short-Term Debt 15.8 M
Other Current Liabilities 1.79 B
Non-Current Liabilities 283 M
Long-Term Debt 258 M
Other Non-Current Liabilities 25.1 M
85.70 %12.34 %Total Liabilities$2.1b
EFFICIENCY
Earnings Waterfall ACNB Corporation
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Revenue 132 M
Cost Of Revenue 21.1 M
Gross Profit 111 M
Operating Expenses 70.7 M
Operating Income 40.4 M
Other Expenses 8.57 M
Net Income 31.8 M
140m140m120m120m100m100m80m80m60m60m40m40m20m20m00132m(21m)111m(71m)40m(9m)32mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
84.05% GROSS MARGIN
84.05%
30.58% OPERATING MARGIN
30.58%
24.09% NET MARGIN
24.09%
10.50% ROE
10.50%
1.33% ROA
1.33%
5.29% ROIC
5.29%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis ACNB Corporation
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45m45m40m40m35m35m30m30m25m25m20m20m15m15m10m10m5m5m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 31.8 M
Depreciation & Amortization 3.03 M
Capital Expenditures -960 K
Stock-Based Compensation 1.26 M
Change in Working Capital 6.89 M
Others 2.99 M
Free Cash Flow 38.8 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets ACNB Corporation
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Wall Street analysts predict an average 1-year price target for ACNB of $47 , with forecasts ranging from a low of $47 to a high of $47 .
ACNB Lowest Price Target Wall Street Target
47 USD 13.83%
ACNB Average Price Target Wall Street Target
47 USD 13.83%
ACNB Highest Price Target Wall Street Target
47 USD 13.83%
Price
Max Price Target
Min Price Target
Average Price Target
5050484846464444424240403838363634343232Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
0.84% DIVIDEND YIELD
0.34 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.20.20.20.20.230.250.250.260.280.30.320.20.20.20.230.250.250.270.260.280.320.340.20.20.20.230.250.250.250.260.280.320.20.800.20.800.20.800.230.890.250.980.251.000.261.030.281.060.31.140.321.260.662015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
6. Ownership
Insider Ownership ACNB Corporation
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
133 K USD 2
Bought
250 USD 1
0-3 MONTHS
253 USD 1
3-6 MONTHS
2.75 K USD 2
6-9 MONTHS
2.75 K USD 2
9-12 MONTHS
7. News
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? zacks.com - 1 week ago
Is ACNB (ACNB) Stock Outpacing Its Finance Peers This Year? Here is how ACNB (ACNB) and Allianz SE (ALIZY) have performed compared to their sector so far this year. zacks.com - 2 weeks ago
ACNB Corporation: Pennsylvania Bank Is Now Cheaper After A Recent Acquisition ACNB's Q1 results were weak due to merger-related expenses and higher provisions, but these were anticipated with the Traditions Bancorp acquisition. The acquisition expands ACNB's market share in Pennsylvania, especially in York, and positions it as the largest community bank in the state under $5B assets. Cost synergies and branch consolidations from the Traditions deal are expected to boost earnings, though 2025 will see lingering integration costs. seekingalpha.com - 2 weeks ago
ACNB (ACNB) Upgraded to Strong Buy: Here's Why ACNB (ACNB) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy). zacks.com - 2 weeks ago
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? zacks.com - 3 weeks ago
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? zacks.com - 1 month ago
Are You Looking for a High-Growth Dividend Stock? 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? zacks.com - 1 month ago
Has ACNB (ACNB) Outpaced Other Finance Stocks This Year? Here is how ACNB (ACNB) and Balfour Beatty PLC Sponsored ADR (BLFBY) have performed compared to their sector so far this year. zacks.com - 1 month ago
Buy These 3 Stocks That Declared Dividend Hikes Amid Market Volatility UVSP, ACNB and QCOM recently announced dividend hikes. zacks.com - 2 months ago
ACNB Corporation Reports 2025 First Quarter Financial Results GETTYSBURG, Pa., April 24, 2025 (GLOBE NEWSWIRE) -- ACNB   Corporation   (NASDAQ:   ACNB)   (“ACNB”   or   the “Corporation”), financial holding company for ACNB Bank and ACNB Insurance Services, Inc., announced a net loss of $272 thousand, or $0.03 diluted loss per share, for the three months ended March 31, 2025 compared to net income of $6.8 million, or $0.80 diluted earnings per share, for the three months ended March 31, 2024 and compared to net income of $6.6 million, or $0.77 diluted earnings per share, for the three months ended December 31, 2024. globenewswire.com - 2 months ago
ACNB (ACNB) Q1 Earnings and Revenues Top Estimates ACNB (ACNB) came out with quarterly earnings of $1.03 per share, beating the Zacks Consensus Estimate of $0.94 per share. This compares to earnings of $0.80 per share a year ago. zacks.com - 2 months ago
ACNB Corporation Announces Second Quarter Cash Dividend GETTYSBURG, Pa., April 23, 2025 (GLOBE NEWSWIRE) -- ACNB Corporation (NASDAQ: ACNB), financial holding company for ACNB Bank and ACNB Insurance Services, Inc., announced today that the Board of Directors approved and declared a regular quarterly cash dividend of $0.34 per share of ACNB Corporation common stock payable on June 13, 2025, to shareholders of record as of May 30, 2025. This per share amount reflects a 6.25% increase over the $0.32 per share paid in the first quarter of 2025. globenewswire.com - 2 months ago
8. Profile Summary

ACNB Corporation ACNB

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 432 M
Dividend Yield 0.84%
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.
Contact 16 Lincoln Square, Gettysburg, PA, 17325 https://www.acnb.com
IPO Date April 4, 1994
Employees 391
Officers Mr. Jason H. Weber C.F.A., CPA, FRM Executive Vice President, Chief Financial Officer & Treasurer Mr. Brett D. Fulk Executive Vice President & Chief Strategy Officer Mr. Douglas A. Seibel Executive Vice President and Chief Lending & Revenue Officer of ACNB Bank Mr. Kevin J. Hayes Esq. Senior Vice President, General Counsel, Secretary & Chief Governance Officer Mr. Mark E. Blacksten Executive Vice President of Maryland Market President Mr. James P. Helt President, Chief Executive Officer & Director