ACNB CORP(NASDAQ:ACNB) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 5 out of 10 to ACNB. ACNB was compared to 405 industry peers in the Banks industry. While ACNB is still in line with the averages on profitability rating, there are concerns on its financial health. ACNB has a correct valuation and a medium growth rate. ACNB also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year ACNB was profitable.

In the past year ACNB had a positive cash flow from operations.

In the past 5 years ACNB has always been profitable.

Of the past 5 years ACNB 4 years had a positive operating cash flow.

1.2 Ratios

The Return On Assets of ACNB (1.21%) is better than 80.20% of its industry peers.

ACNB has a better Return On Equity (9.57%) than 65.66% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.21%
ROE	9.57%
ROIC	N/A

ROA(3y)1.35%

ROA(5y)1.15%

ROE(3y)12.18%

ROE(5y)10.78%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

ACNB has a better Profit Margin (28.25%) than 79.45% of its industry peers.

In the last couple of years the Profit Margin of ACNB has remained more or less at the same level.

ACNB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	28.25%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-0.2%

PM growth 5Y-0.76%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

ACNB does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, ACNB has more shares outstanding

ACNB has more shares outstanding than it did 5 years ago.

The debt/assets ratio for ACNB has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of ACNB is 1.41, which is an excellent value as it means it would take ACNB, only 1.41 years of fcf income to pay off all of its debts.

With a decent Debt to FCF ratio value of 1.41, ACNB is doing good in the industry, outperforming 69.67% of the companies in the same industry.

ACNB has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.

With a Debt to Equity ratio value of 0.19, ACNB perfoms like the industry average, outperforming 51.13% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.19
Debt/FCF	1.41
Altman-Z	N/A

ROIC/WACCN/A

WACC7.6%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 0.27% over the past year.

Measured over the past 5 years, ACNB shows a small growth in Earnings Per Share. The EPS has been growing by 2.29% on average per year.

The Revenue has been growing slightly by 1.48% in the past year.

The Revenue has been growing slightly by 6.90% on average over the past years.

EPS 1Y (TTM)0.27%

EPS 3Y5.35%

EPS 5Y2.29%

EPS Q2Q%60.42%

Revenue 1Y (TTM)1.48%

Revenue growth 3Y4.85%

Revenue growth 5Y6.9%

Sales Q2Q%19.82%

3.2 Future

Based on estimates for the next years, ACNB will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.34% on average per year.

Based on estimates for the next years, ACNB will show a very strong growth in Revenue. The Revenue will grow by 22.29% on average per year.

EPS Next Y16.77%

EPS Next 2Y12.34%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year37.12%

Revenue Next 2Y22.29%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.86, which indicates a very decent valuation of ACNB.

Compared to the rest of the industry, the Price/Earnings ratio of ACNB indicates a somewhat cheap valuation: ACNB is cheaper than 73.93% of the companies listed in the same industry.

The average S&P500 Price/Earnings ratio is at 29.62. ACNB is valued rather cheaply when compared to this.

A Price/Forward Earnings ratio of 9.30 indicates a reasonable valuation of ACNB.

Based on the Price/Forward Earnings ratio, ACNB is valued cheaper than 80.70% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, ACNB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.86
Fwd PE	9.3

4.2 Price Multiples

ACNB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. ACNB is cheaper than 67.17% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	10.43
EV/EBITDA	N/A

4.3 Compensation for Growth

ACNB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as ACNB's earnings are expected to grow with 12.34% in the coming years.

PEG (NY)0.65

PEG (5Y)4.73

EPS Next 2Y12.34%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.13%, ACNB has a reasonable but not impressive dividend return.

ACNB's Dividend Yield is a higher than the industry average which is at 3.19.

ACNB's Dividend Yield is a higher than the S&P500 average which is at 2.27.

		Industry Rank	Sector Rank
Dividend Yield	3.13%

5.2 History

The dividend of ACNB has a limited annual growth rate of 4.99%.

ACNB has been paying a dividend for at least 10 years, so it has a reliable track record.

ACNB has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)4.99%

Div Incr Years7

Div Non Decr Years16

5.3 Sustainability

35.89% of the earnings are spent on dividend by ACNB. This is a low number and sustainable payout ratio.

ACNB's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP35.89%

EPS Next 2Y12.34%

EPS Next 3YN/A

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ACNB CORP

NASDAQ:ACNB (2/21/2025, 8:00:00 PM)

After market: 40.49 0 (0%)

40.49

-0.38 (-0.93%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-23 2025-01-23/amc

Earnings (Next)04-23 2025-04-23/bmo

Inst Owners30.26%

Inst Owner Change-98.88%

Ins Owners3.83%

Ins Owner Change-0.24%

Market Cap428.79M

Analysts82.22

Price Target44.88 (10.84%)

Short Float %2.41%

Short Ratio9.92

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.13%

Yearly Dividend1.14

Dividend Growth(5Y)4.99%

DP35.89%

Div Incr Years7

Div Non Decr Years16

Ex-Date02-28 2025-02-28 (0.32)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)22.49%

Min EPS beat(2)-10%

Max EPS beat(2)54.98%

EPS beat(4)1

Avg EPS beat(4)-1.51%

Min EPS beat(4)-49.67%

Max EPS beat(4)54.98%

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)0

Avg Revenue beat(2)-0.99%

Min Revenue beat(2)-1.89%

Max Revenue beat(2)-0.1%

Revenue beat(4)0

Avg Revenue beat(4)-5.76%

Min Revenue beat(4)-19.55%

Max Revenue beat(4)-0.1%

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)-7.69%

PT rev (3m)7.32%

EPS NQ rev (1m)0%

EPS NQ rev (3m)1.2%

EPS NY rev (1m)19.27%

EPS NY rev (3m)10.77%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)13.8%

Revenue NY rev (3m)13.8%

Valuation

		Industry Rank	Sector Rank
PE	10.86
Fwd PE	9.3
P/S	4.13
P/FCF	10.43
P/OCF	10.04
P/B	1.4
P/tB	1.69
EV/EBITDA	N/A

EPS(TTM)3.73

EY9.21%

EPS(NY)4.36

Fwd EY10.76%

FCF(TTM)3.88

FCFY9.59%

OCF(TTM)4.03

OCFY9.96%

SpS9.81

BVpS28.97

TBVpS24.03

PEG (NY)0.65

PEG (5Y)4.73

Profitability

		Industry Rank	Sector Rank
ROA	1.21%
ROE	9.57%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	28.25%
GM	N/A
FCFM	39.56%

ROA(3y)1.35%

ROA(5y)1.15%

ROE(3y)12.18%

ROE(5y)10.78%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-0.2%

PM growth 5Y-0.76%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.19
Debt/FCF	1.41
Debt/EBITDA	N/A
Cap/Depr	51.63%
Cap/Sales	1.53%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	140.05%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC7.6%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)0.27%

EPS 3Y5.35%

EPS 5Y2.29%

EPS Q2Q%60.42%

EPS Next Y16.77%

EPS Next 2Y12.34%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)1.48%

Revenue growth 3Y4.85%

Revenue growth 5Y6.9%

Sales Q2Q%19.82%

Revenue Next Year37.12%

Revenue Next 2Y22.29%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y0.37%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y2.32%

OCF growth 3YN/A

OCF growth 5YN/A

ACNB CORP (ACNB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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