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ACNB stock logo

ACNB

ACNB Corporation

$56.13
0.59
 (1.06%)
Exchange:  NASDAQ
Market Cap:  573.202M
Shares Outstanding:  5.88M
Delayed data
Calculate ACNB Intrinsic Value
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Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  James Helt
Full Time Employees:  391
Address: 
16 Lincoln Square
Gettysburg
PA
17325
US
Website:  https://www.acnb.com
ACNB Corporation operates as a financial holding company, offering a comprehensive suite of banking, insurance, and financial services to a diverse clientele including individuals, businesses, and government entities across the United States. Its banking segment provides a range of deposit products such as checking, savings, money market, and time accounts, along with debit cards. The company is also a significant lender, furnishing commercial products like mortgages, real estate development and construction financing, accounts receivable and inventory loans, and agricultural and governmental funding. For individual consumers, it supplies home equity loans and lines of credit, automotive and recreational vehicle loans, manufactured housing loans, and personal lines of credit. Mortgage programs encompass personal residential, construction, and investment properties. Beyond traditional banking, ACNB delivers extensive wealth management and trust services, acting as a trustee to oversee, manage, and distribute financial assets for testamentary, life insurance, and charitable remainder trusts, as well as guardianships, powers of attorney, custodial accounts, and investment advisory and management services. Retail brokerage is also available. Additionally, the corporation offers various insurance products, including property and casualty, health, life, and disability coverage for both commercial and individual clients. Customers benefit from convenient access through online, telephone, and mobile banking, alongside automated teller machine services. Established in 1857 and based in Gettysburg, Pennsylvania, ACNB’s physical network as of December 31, 2021, comprised 19 community banking branches across Adams, York, Cumberland, and Franklin counties in Pennsylvania; five community banking offices in Frederick County, Maryland; and six in Carroll County, Maryland. Loan offices further extend its reach in Lancaster and York, Pennsylvania, and Hunt Valley, Maryland.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue114,748132,195170,385
Gross Profit105,584111,104125,533
EBITDA43,21143,45253,191
Operating Income39,84940,41946,454
Net Income31,68831,84637,051

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets2,418,8472,394,8303,228,126
Total Liabilities2,141,3862,091,5572,808,152
Total Stockholders Equity277,461303,273419,974
Total Debt254,789273,923329,018
Cash and Cash Equivalents65,95847,26220,611

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Cash Flow Statement

Year202320242025
Operating Cash Flow40,60239,78253,643
Capital Expenditure-1,168-960-1,076
Free Cash Flow39,43438,82252,567
Net Income31,68831,84637,051
Net Change in Cash-102,203-18,69618,386

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)167,912.651Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)176,177.417Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)171,738Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)62,061.799Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)65,116.519Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)63,475.677Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)55,548.899Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)57,281.657Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)56,415.278Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)61,099.936Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)64,107.313Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)62,491.901Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)5.480Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)5.570Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)5.400Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)3Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)3Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
132.195M  ?P/S
 (TTM)
: 
2.83
?Net Income
 (TTM)
: 
31.846M  ?P/E
 (TTM)
: 
11.13
?Enterprise Value
 (TTM)
: 
750.369M  ?EV/FCF
 (TTM)
: 
9.89
?Dividend Yield
 (TTM)
: 
0.04  ?Payout Ratio
 (TTM)
: 
0.29
?ROE
 (TTM)
: 
0.12  ?ROIC
 (TTM)
: 
0.07
?Net Debt
 (TTM)
: 
257.571M  ?Debt/Equity
 (TTM)
: 
0.67
?P/B
 (TTM)
: 
1.33  ?Current Ratio
 (TTM)
: 
0.04

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
10.39Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates ACNB intrinsic value between $44.42 – $66.91 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about ACNB valuation

Is ACNB Corporation (ACNB) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for ACNB Corporation (ACNB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is ACNB a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether ACNB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is ACNB’s P/E ratio?

You can see ACNB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for ACNB?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is ACNB a good long-term investment?

Whether ACNB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

ACNB

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

1.06
MARKETSnap

Trading Metrics:

Open: 56.55   Previous Close: 55.54
Day Low: 55.93   Day High: 56.55
Year Low: 40.15   Year High: 57
Price Avg 50: 51.83   Price Avg 200: 48.69
Volume: 43726   Average Volume: 62722

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See in Nexus

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