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ACNB stock logo

ACNB

ACNB Corporation

$48
-0.05
 (-0.1%)
Exchange:  NASDAQ
Market Cap:  496.968M
Shares Outstanding:  5.88M
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, 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.

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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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Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)162,183.372Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)169,735.347Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)166,163.333Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)59,944.213Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)62,735.481Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)61,415.237Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)51,274.783Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)55,024.102Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)52,683Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)59,015.170Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)61,763.177Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)60,463.395Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)5.170Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)5.350Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)4.980Full 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)
: 
2.81
?Net Income
 (TTM)
: 
31.846M  ?P/E
 (TTM)
: 
14.44
?Enterprise Value
 (TTM)
: 
843.683M  ?EV/FCF
 (TTM)
: 
16.48
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.39
?ROE
 (TTM)
: 
0.09  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
257.571M  ?Debt/Equity
 (TTM)
: 
?P/B
 (TTM)
: 
  ?Current Ratio
 (TTM)
: 

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Forward P/E Ratios

?

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Forward P/E 1YFull AccessFull AccessFull AccessFull Access
N/AFull 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.


Calculate ACNB Intrinsic Value

Common questions about ACNB valuation

Is ACNB (ACNB) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for ACNB (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

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Relevant news

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