ACNB CORP(NASDAQ:ACNB) stock Fundamental Analysis

Fundamental Rating

ACNB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. There are concerns on the financial health of ACNB while its profitability can be described as average. ACNB has a decent growth rate and is not valued too expensively. ACNB also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

ACNB had positive earnings in the past year.

ACNB had a positive operating cash flow in the past year.

ACNB had positive earnings in each of the past 5 years.

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

1.2 Ratios

ACNB has a Return On Assets of 1.21%. This is in the better half of the industry: ACNB outperforms 78.39% of its industry peers.

ACNB's Return On Equity of 9.57% is fine compared to the rest of the industry. ACNB outperforms 64.07% 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 Profit Margin of 28.25%. This is in the better half of the industry: ACNB outperforms 77.64% 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.

ACNB has more shares outstanding than it did 1 year ago.

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

ACNB has a better debt/assets ratio than last year.

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.

Looking at the Debt to FCF ratio, with a value of 1.41, ACNB is in the better half of the industry, outperforming 66.58% of the companies in the same industry.

A Debt/Equity ratio of 0.19 indicates that ACNB is not too dependend on debt financing.

With a Debt to Equity ratio value of 0.19, ACNB perfoms like the industry average, outperforming 50.00% 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

WACC7.61%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

ACNB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.27%.

The Earnings Per Share has been growing slightly by 2.29% on average over the past years.

ACNB shows a small growth in Revenue. In the last year, the Revenue has grown by 1.48%.

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

The Earnings Per Share is expected to grow by 11.36% on average over the next years. This is quite good.

The Revenue is expected to grow by 21.23% on average over the next years. This is a very strong growth

EPS Next Y16.49%

EPS Next 2Y11.36%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year37.17%

Revenue Next 2Y21.23%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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

With a Price/Earnings ratio of 11.09, the valuation of ACNB can be described as very reasonable.

The rest of the industry has a similar Price/Earnings ratio as ACNB.

The average S&P500 Price/Earnings ratio is at 28.33. ACNB is valued rather cheaply when compared to this.

With a Price/Forward Earnings ratio of 9.52, the valuation of ACNB can be described as very reasonable.

ACNB's Price/Forward Earnings ratio is in line with the industry average.

ACNB is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.37, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	11.09
Fwd PE	9.52

4.2 Price Multiples

ACNB's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	10.6
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.

PEG (NY)0.67

PEG (5Y)4.83

EPS Next 2Y11.36%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

ACNB has a Yearly Dividend Yield of 3.15%.

Compared to an average industry Dividend Yield of 3.66, ACNB has a dividend in line with its industry peers.

ACNB's Dividend Yield is a higher than the S&P500 average which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	3.15%

5.2 History

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

ACNB has paid a dividend for at least 10 years, which is a reliable track record.

ACNB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)4.99%

Div Incr Years7

Div Non Decr Years16

5.3 Sustainability

ACNB pays out 35.89% of its income as dividend. This is a sustainable payout ratio.

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

DP35.89%

EPS Next 2Y11.36%

EPS Next 3YN/A

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ACNB CORP

NASDAQ:ACNB (4/22/2025, 4:30:00 PM)

After market: 41.355 0 (0%)

41.355

+1.15 (+2.87%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)04-24 2025-04-24/bmo

Inst Owners30.26%

Inst Owner Change0.6%

Ins Owners3.83%

Ins Owner Change4.23%

Market Cap435.88M

Analysts84

Price Target48.96 (18.39%)

Short Float %0.58%

Short Ratio1.7

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.15%

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)-0.69%

PT rev (3m)0.7%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)-0.23%

EPS NY rev (3m)18.99%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0.08%

Revenue NY rev (3m)13.85%

Valuation

		Industry Rank	Sector Rank
PE	11.09
Fwd PE	9.52
P/S	4.2
P/FCF	10.6
P/OCF	10.21
P/B	1.42
P/tB	1.71
EV/EBITDA	N/A

EPS(TTM)3.73

EY9.02%

EPS(NY)4.35

Fwd EY10.51%

FCF(TTM)3.9

FCFY9.43%

OCF(TTM)4.05

OCFY9.79%

SpS9.86

BVpS29.1

TBVpS24.14

PEG (NY)0.67

PEG (5Y)4.83

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

WACC7.61%

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 Y16.49%

EPS Next 2Y11.36%

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 Year37.17%

Revenue Next 2Y21.23%

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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