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Financial Services - Banks - Regional - NASDAQ - US
$ 38.61
0.208 %
$ 407 M
Market Cap
10.35
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one ACNB stock under the worst case scenario is HIDDEN Compared to the current market price of 38.6 USD, ACNB Corporation is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one ACNB stock under the base case scenario is HIDDEN Compared to the current market price of 38.6 USD, ACNB Corporation is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one ACNB stock under the best case scenario is HIDDEN Compared to the current market price of 38.6 USD, ACNB Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart ACNB

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$50.0$50.0$48.0$48.0$46.0$46.0$44.0$44.0$42.0$42.0$40.0$40.0$38.0$38.0$36.0$36.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
107 M REVENUE
1.46%
-67.3 M OPERATING INCOME
0.00%
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%
26.9 M REVENUE
-1.20%
0 OPERATING INCOME
0.00%
6.6 M NET INCOME
-8.45%
5.71 M OPERATING CASH FLOW
-57.90%
6.71 M INVESTING CASH FLOW
-65.28%
-23.2 M FINANCING CASH FLOW
61.93%
Balance Sheet ACNB Corporation
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Current Assets 410 M
Cash & Short-Term Investments 410 M
Receivables 0
Other Current Assets 0
Non-Current Assets 80.1 M
Long-Term Investments 0
PP&E 28.1 M
Other Non-Current Assets 52 M
83.66 %5.73 %10.61 %Total Assets$490.5m
Current Liabilities 15.8 M
Accounts Payable 0
Short-Term Debt 15.8 M
Other Current Liabilities 0
Non-Current Liabilities 2.08 B
Long-Term Debt 2.76 M
Other Non-Current Liabilities 2.07 B
99.11 %Total Liabilities$2.1b
EFFICIENCY
Earnings Waterfall ACNB Corporation
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Revenue 107 M
Cost Of Revenue 0
Gross Profit 107 M
Operating Expenses 108 M
Operating Income -67.3 M
Other Expenses -99.2 M
Net Income 31.8 M
120m120m100m100m80m80m60m60m40m40m20m20m00(20m)(20m)(40m)(40m)(60m)(60m)(80m)(80m)107m0107m(108m)(67m)99m32mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
-62.63% OPERATING MARGIN
-62.63%
29.63% NET MARGIN
29.63%
10.50% ROE
10.50%
1.33% ROA
1.33%
-10.81% ROIC
-10.81%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis ACNB Corporation
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45m45m40m40m35m35m30m30m25m25m20m20m15m15m10m10m5m5m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 31.8 M
Depreciation & Amortization 4.74 M
Capital Expenditures -960 K
Stock-Based Compensation 1.26 M
Change in Working Capital 0
Others 7.4 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 $42 , with forecasts ranging from a low of $37 to a high of $47 .
ACNB Lowest Price Target Wall Street Target
37 USD -4.17%
ACNB Average Price Target Wall Street Target
42 USD 8.78%
ACNB Highest Price Target Wall Street Target
47 USD 21.73%
Price
Max Price Target
Min Price Target
Average Price Target
505045454040353530302525May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.80% DIVIDEND YIELD
0.32 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.20.20.20.20.230.250.250.260.280.30.320.20.20.20.230.250.250.270.260.280.320.20.20.20.230.250.250.250.260.280.320.20.800.20.800.20.800.230.890.250.980.251.000.261.030.281.060.31.140.321.260.322015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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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
133 K USD 2
9-12 MONTHS
0 USD 0
Bought
253 USD 1
0-3 MONTHS
2.75 K USD 2
3-6 MONTHS
2.75 K USD 2
6-9 MONTHS
2.75 K USD 2
9-12 MONTHS
7. News
ACNB (ACNB) Upgraded to Strong Buy: Here's What You Should Know 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 - 3 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
Best Momentum Stocks to Buy for March 31st APTV, REX and ACNB made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on March 31, 2025. zacks.com - 3 weeks ago
Is ACNB (ACNB) Stock Outpacing Its Finance Peers This Year? Here is how ACNB (ACNB) and Enact Holdings, Inc. (ACT) have performed compared to their sector so far this year. zacks.com - 3 weeks ago
New Strong Buy Stocks for March 31st KINS, REX, CION, ACNB and FET have been added to the Zacks Rank #1 (Strong Buy) List on March 31, 2025. zacks.com - 3 weeks ago
Best Income Stocks to Buy for March 31st CION, ACNB and BOH made it to the Zacks Rank #1 (Strong Buy) income stocks list on March 31, 2025. zacks.com - 3 weeks ago
How ACNB Stock Stands Out in a Strong Industry ACNB has seen solid earnings estimate revision activity over the past month, and belongs to a strong industry as well. zacks.com - 1 month ago
Is ACNB (ACNB) Outperforming Other Finance Stocks This Year? Here is how ACNB (ACNB) and Green Brick Partners (GRBK) have performed compared to their sector so far this year. zacks.com - 1 month ago
ACNB (ACNB) Surges 5.6%: Is This an Indication of Further Gains? ACNB (ACNB) saw its shares surge in the last session with trading volume being higher than average. The latest trend in earnings estimate revisions may not translate into further price increase in the near term. zacks.com - 1 month ago
CORRECTION - ACNB Corporation Announces Completion of Traditions Bancorp, Inc. Acquisition GETTYSBURG, Pa., Feb. 04, 2025 (GLOBE NEWSWIRE) -- In a release issued under the same headline on February 3, 2025 by ACNB Corporation please note that in the third paragraph of the release, the deposit amount has been corrected to $2.54 billion instead of $2.04 billion. The corrected release follows: globenewswire.com - 2 months ago
ACNB Corporation Announces Completion of Traditions Bancorp, Inc. Acquisition GETTYSBURG, Pa., Feb. 03, 2025 (GLOBE NEWSWIRE) -- ACNB Corporation (NASDAQ: ACNB), the parent financial holding company of ACNB Bank, a Pennsylvania state-chartered, FDIC-insured community bank, headquartered in Gettysburg, PA, announced the completion of the acquisition of Traditions Bancorp, Inc. (“Traditions”) and its wholly-owned subsidiary, Traditions Bank, headquartered in York, PA, effective February 1, 2025. Traditions was merged with and into a wholly-owned subsidiary of ACNB Corporation immediately followed by the merger of Traditions Bank with and into ACNB Bank. ACNB Bank will operate the former Traditions Bank branches as “Traditions Bank, A Division of ACNB Bank”. In connection with the close of the acquisition, Traditions stockholders received 0.7300 shares of ACNB Corporation common stock for each share of Traditions common stock that they owned as of the closing date, with cash paid in lieu of fractional shares. globenewswire.com - 2 months ago
ACNB Corporation Announces First Quarter Cash Dividend GETTYSBURG, Pa., Jan. 29, 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 $0.32 per share of ACNB Corporation common stock payable on March 14, 2025, to shareholders of record as of February 28, 2025. This per share amount reflects a 6.7% increase over the $0.30 per share paid in the first quarter of 2024. This dividend declaration is expected to result in aggregate dividend payments of approximately $3.38 million to ACNB Corporation shareholders in the first quarter of 2025, an increase of approximately 24% over the prior quarter, due to the additional shares expected to be issued to former Traditions Bancorp, Inc. shareholders upon the anticipated close of the acquisition on February 1, 2025. globenewswire.com - 2 months ago
8. Profile Summary

ACNB Corporation ACNB

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 407 M
Dividend Yield 0.80%
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. James P. Helt President, Chief Executive Officer & Director