ACNB CORP (ACNB)
US0008681092 - Common Stock
We assign a fundamental rating of 4 out of 10 to ACNB. ACNB was compared to 404 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 correct valuation and a medium growth rate. ACNB also has an excellent dividend rating.
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.
In the past 5 years ACNB has always been profitable.
ACNB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.27%, ACNB belongs to the top of the industry, outperforming 83.54% of the companies in the same industry.
ACNB's Return On Equity of 10.78% is fine compared to the rest of the industry. ACNB outperforms 73.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.27% | ||
| ROE | 10.78% | ||
| ROIC | N/A |
ROA(3y)1.24%
ROA(5y)1.16%
ROE(3y)12.08%
ROE(5y)11.18%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 29.94%, ACNB belongs to the best of the industry, outperforming 82.04% of the companies in the same industry.
ACNB's Profit Margin has been stable in the last couple of years.
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) | 29.94% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.56%
PM growth 5Y-0.03%
GM growth 3YN/A
GM growth 5YN/A
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 about the same amount of shares outstanding.
Compared to 5 years ago, ACNB has more shares outstanding
The debt/assets ratio for ACNB is higher compared to a year ago.
2.2 Solvency
ACNB has a debt to FCF ratio of 1.26. This is a very positive value and a sign of high solvency as it would only need 1.26 years to pay back of all of its debts.
ACNB has a Debt to FCF ratio of 1.26. This is in the better half of the industry: ACNB outperforms 72.32% of its industry peers.
A Debt/Equity ratio of 0.15 indicates that ACNB is not too dependend on debt financing.
The Debt to Equity ratio of ACNB (0.15) is better than 63.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.26 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.55%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ACNB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -22.52%.
ACNB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.74% yearly.
ACNB shows a decrease in Revenue. In the last year, the revenue decreased by -8.69%.
Measured over the past years, ACNB shows a small growth in Revenue. The Revenue has been growing by 7.90% on average per year.
EPS 1Y (TTM)-22.52%
EPS 3Y20.34%
EPS 5Y3.74%
EPS Q2Q%-20.75%
Revenue 1Y (TTM)-8.69%
Revenue growth 3Y4.63%
Revenue growth 5Y7.9%
Sales Q2Q%-0.95%
3.2 Future
ACNB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.89% yearly.
ACNB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.74% yearly.
EPS Next Y-2.52%
EPS Next 2Y2.81%
EPS Next 3Y7.89%
EPS Next 5YN/A
Revenue Next Year-3.9%
Revenue Next 2Y7.6%
Revenue Next 3Y12.74%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 13.94, the valuation of ACNB can be described as correct.
ACNB's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of ACNB to the average of the S&P500 Index (29.20), we can say ACNB is valued rather cheaply.
A Price/Forward Earnings ratio of 12.20 indicates a correct valuation of ACNB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ACNB is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of ACNB to the average of the S&P500 Index (24.00), we can say ACNB is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.94 | ||
| Fwd PE | 12.2 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ACNB is valued a bit cheaper than the industry average as 62.59% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.64 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)3.73
EPS Next 2Y2.81%
EPS Next 3Y7.89%
5. Dividend
5.1 Amount
ACNB has a Yearly Dividend Yield of 2.69%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.02, 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 2.23.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.69% |
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 Years6
Div Non Decr Years15
5.3 Sustainability
32.71% of the earnings are spent on dividend by ACNB. This is a low number and sustainable payout ratio.
The dividend of ACNB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP32.71%
EPS Next 2Y2.81%
EPS Next 3Y7.89%
ACNB CORP
NASDAQ:ACNB (11/22/2024, 8:21:34 PM)
After market: 47.96 0 (0%)47.96
+0.34 (+0.71%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap410.06M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.69% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.94 | ||
| Fwd PE | 12.2 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)3.73
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.27% | ||
| ROE | 10.78% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 29.94% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-22.52%
EPS 3Y20.34%
EPS 5Y
EPS Q2Q%
EPS Next Y-2.52%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-8.69%
Revenue growth 3Y4.63%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y