ACNB

ACNB Corporation

$42.02

0.73

(1.77%)

Exchange:	NASDAQ
Market Cap:	440.105M
Shares Outstanding:	5.88M

Overview

Earnings

Financials

Valuation

Chart

About The Company

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

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Revenue	48,012	49,325	60,501	73,043	77,587	93,002	93,930	421	105,921	107,465
? Cost Of Revenue	0	0	0	0	0	0	0	0	-507	0
? Gross Profit	48,012	49,325	60,501	73,043	77,587	93,002	93,930	421	106,428	107,465
? Research And Development Expenses	0	0	0	0	0	0	0	0	0	0
? General And Administrative Expenses	22,236	23,457	26,029	28,188	29,981	36,639	38,494	37,107	42,319	44,354
? Selling And Marketing Expenses	452	574	433	565	559	561	287	299	612	0
? Operating Expenses	452	574	433	-38,924	-48,221	-70,300	-58,911	299	106,428	108,341
? Net Interest Income	0	0	0	0	0	0	0	0	0	82,641
? Interest Income	39,163	40,288	51,533	64,494	69,558	85,290	78,159	87,049	96,309	106,495
? Interest Expense	3,858	3,934	5,433	7,399	10,140	12,222	6,915	3,624	8,320	23,854
? Depreciation And Amortization	1,755	1,800	2,292	2,853	2,697	3,651	3,441	3,796	3,362	3,033
? EBITDA	16,533	16,437	18,714	29,573	32,062	26,353	38,460	48,747	0	0
? EBIT										-3,033
? Operating Income	18,636	18,571	21,855	34,119	29,366	22,702	35,019	48,575	0	-67,306
? Income Before Tax	14,778	14,637	16,422	26,720	29,366	22,702	35,019	44,951	39,849	40,419
? Income Tax Expense	3,761	3,768	6,634	4,972	5,645	4,308	7,185	9,199	8,161	8,573
? Net Income From Continuing Operations										31,846
? Net Income	11,017	10,869	9,788	21,748	23,721	18,394	27,834	35,752	31,688	31,846
? EPS (Earnings Per Share)	1.830	1.800	1.500	3.090	3.360	2.130	3.190	4.150	3.710	3.750
? EPS Diluted	1.830	1.800	1.500	3.090	3.360	2.130	3.190	4.150	3.710	3.730
? Weighted Average Shares Outstanding	6,026.224	6,051.579	6,543.756	7,035.818	7,061.524	8,638.654	8,714.926	8,623.012	8,541.239	8,503.473
? Weighted Average Shares Outstanding Diluted	6,026.224	6,051.579	6,543.756	7,038.188	7,061.524	8,638.654	8,714.926	8,623.012	8,536.125	8,536.965
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Balance Sheet

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Cash And Cash Equivalents	18,757	18,931	34,441	40,905	114,356	399,352	710,131	168,161	65,958	16,352
? Short Term Investments	125,693	142,990	159,051	161,730	190,837	337,718	437,098	553,554	451,693	393,975
? Cash And Short Term Investments	144,450	161,921	193,492	202,635	305,193	737,070	1,147,229	721,715	473,135	410,327
? Net Receivables	0	0	0	0	0	0	0	0	0	0
? Accounts Receivables										0
? Inventory	0	0	0	0	0	0	0	0	0	0
? Total Current Assets	921,960	979,714	1,340,183	1,404,622	305,193	737,070	1,147,229	721,715	65,958	410,327
? Property Plant Equipment Net	18,044	18,153	26,774	26,409	29,226	36,158	34,250	30,215	28,898	28,117
? Goodwill	6,308	6,308	19,580	19,580	19,580	42,108	42,108	44,185	44,185	44,185
? Intangible Assets	1,033	688	2,569	4,407	4,427	7,265	6,101	10,332	9,082	7,838
? Long Term Investments	200,580	201,457	206,326	192,706	213,683	351,562	447,415	621,379	518,224	0
? Total Non Current Assets	225,965	226,606	255,249	243,102	266,916	437,093	529,874	706,111	2,352,889	80,140
? Total Assets	1,147,925	1,206,320	1,595,432	1,647,724	1,720,253	2,555,362	2,786,987	2,525,507	2,418,847	2,394,830
? Account Payables	0	0	0	0	0	0	0	0	0	0
? Short Term Debt	0	0	0	32	36,937	0	0	0	56,882	15,826
? Deferred Revenue	0	0	0	0	0	0	0	0	0	0
? Total Current Liabilities	35,202	34,590	36,908	32	750	41,602	38,472	45,116	1,531,652	15,826
? Long Term Debt	76,500	74,250	94,600	83,516	49,798	34,167	37,970	24,162	197,907	0
? Deferred Revenue Non Current	0	-18,010	-17,314	-19,254	63,628	49,404	32,004	-7,217	0	0
? Deferred Tax Liabilities Non Current	0	8,212	5,848	5,923	6,170	7,479	5,966	7,217	0	0
? Total Non Current Liabilities	76,500	74,250	94,600	83,516	69,798	56,883	37,970	2,235,349	2,141,386	2,075,731
? Total Liabilities	1,033,210	1,086,259	1,441,466	1,479,587	1,530,737	56,883	37,970	2,280,465	2,141,386	2,091,557
? Treasury Stock										0
? Preferred Stock	0	0	0	0	0	0	0	0	0	0
? Common Stock	15,256	15,317	17,716	17,772	17,855	21,918	21,978	22,086	22,231	22,357
? Retained Earnings	94,526	100,555	106,293	121,862	138,663	148,372	167,238	193,873	213,491	234,624
? Additional Paid In Capital										0
? Total Stockholders Equity	114,715	120,061	153,966	168,137	189,516	257,972	272,114	245,042	277,461	303,273
? Total Equity	114,715	120,061	153,966	168,137	189,516	257,972	272,114	245,042	277,461	303,273
? Minority Interest	0	0	0	0	0	0	0	0	0	0
? Total Liabilities And Total Equity	1,147,925	1,206,320	1,595,432	1,647,724	1,720,253	2,555,362	2,786,987	2,525,507	2,418,847	2,394,830
? Total Investments	326,273	344,447	365,377	354,436	404,520	689,280	884,513	1,174,933	969,917	393,975
? Total Debt	76,500	74,250	94,600	83,548	69,798	56,883	37,970	24,162	254,789	15,826
? Net Debt	57,743	55,319	60,159	42,643	-44,558	-342,469	-672,161	-143,999	188,831	-526
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Cash Flow Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Net Income	11,017	10,869	9,788	21,748	23,721	18,394	27,834	35,752	31,688	31,846
? Depreciation And Amortization	1,755	1,800	2,292	2,853	2,696	3,651	3,441	3,796	3,362	4,735
? Deferred Income Tax	0	171	1,711	557	120	-1,038	-2,130	924	0	779
? Stock Based Compensation	0	59	133	186	322	428	362	729	1,004	1,263
? Change In Working Capital	2,579	283	5,346	2,200	1,557	-1,192	1,982	-3,922	164	0
? Accounts Receivables	-66	-142	-512	-875	177	-1,624	1,430	-1,395	0	0
? Inventory	-919,357	-979,311	-1,334,651	-1,401,716	0	0	0	0	0	0
? Accounts Payables	42	22	326	201	1,312	-1,381	-1,325	-58	0	757
? Net Cash Provided By Operating Activities	14,379	12,121	17,007	29,544	25,723	25,470	42,126	39,201	40,602	39,782
? Investments In Property Plant And Equipment	-1,738	-2,344	-1,757	-1,743	-1,424	-1,048	-1,576	-1,811	-1,168	-960
? Acquisitions Net	-173	-54,193	6,444	-2,583	-640	34,720	1,576	-7,379	-174	0
? Purchases Of Investments	-44,478	-50,443	-30,136	-39,129	-45,337	-218,032	-216,786	-306,746	-48,838	-1,176
? Sales Maturities Of Investments	36,052	46,425	45,084	51,049	27,184	105,414	109,180	66,475	158,427	59,043
? Net Cash Provided By Investing Activities	0	0	0	0	0	0	0	0	0	2,428
? Net Debt Issuance	0	0	0	0	0	0	0	0	0	18,944
? Long Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	60,000
? Short Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	-41,056
? Net Stock Issuance	0	0	0	0	0	0	0	0	0	175
? Net Dividends Paid	-4,820	-4,840	-5,233	-6,261	-6,920	-8,685	-8,968	-9,117	-9,702	-10,713
? Common Dividends Paid										-10,713
? Preferred Dividends Paid	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Financing Activities	48,849	47,495	50,456	30,536	39,707	374,374	208,132	-249,448	-158,242	-60,906
? Effect Of Forex Changes On Cash	0	0	0	0	0	0	0	0	0	0
? Net Change In Cash	-916	174	15,510	6,464	73,451	284,996	310,779	-541,970	-102,203	-18,696
? Cash At End Of Period	18,757	18,931	34,441	40,905	114,356	399,352	710,131	168,161	65,958	47,262
? Cash At Beginning Of Period	19,673	18,757	18,931	34,441	40,905	114,356	399,352	710,131	168,161	65,958
? Operating Cash Flow	14,379	12,121	17,007	29,544	25,723	25,470	42,126	39,201	40,602	39,782
? Capital Expenditure	-1,738	-2,344	-1,757	-1,743	-1,424	-1,048	-1,576	-1,811	-1,168	-960
? Free Cash Flow	12,641	9,777	15,250	27,801	24,299	24,422	40,550	37,390	39,434	38,822
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Analyst Estimates

(* All numbers are in thousands)

Fiscal Year	2023	2024	2025	2026
Estimated Revenue (Low)	112,087.500	108,200	147,700	161,100
Estimated Revenue (High)	112,087.500	108,200	147,700	161,100
Estimated Revenue (Avg)	112,087.500	108,200	147,700	161,100
Estimated Ebitda (Low)	47,212.435	45,574.979	62,212.796	67,857.017
Estimated Ebitda (High)	47,212.435	45,574.979	62,212.796	67,857.017
Estimated Ebitda (Avg)	47,212.435	45,574.979	62,212.796	67,857.017
Estimated Net Income (Low)	35,979.771	30,543.027	34,286.459	39,408.732
Estimated Net Income (High)	35,979.771	35,355.865	38,473.258	39,408.732
Estimated Net Income (Avg)	35,979.771	31,846	36,379.859	39,408.732
Estimated SGA Expense (Low)	2,027,935.317	1,957,600.993	2,672,252.003	2,914,690.573
Estimated SGA Expense (High)	2,027,935.317	1,957,600.993	2,672,252.003	2,914,690.573
Estimated SGA Expense (Avg)	2,027,935.317	1,957,600.993	2,672,252.003	2,914,690.573
Estimated EPS (Avg)	4.210	3.860	4.270	4.620
Estimated EPS (High)	4.210	4.140	4.510	4.620
Estimated EPS (Low)	4.210	3.580	4.020	4.620
Number of Analysts (Estimated Revenue)	1	1	1	1
Number of Analysts (Estimated EPS)	1	2	2	1

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Current Key Metrics

?	Revenue (TTM) :	132.195M	?	P/S (TTM) :	3
?	Net Income (TTM) :	31.846M	?	P/E (TTM) :	16.32
?	Enterprise Value (TTM) :	614.217M	?	EV/FCF (TTM) :	22.46
?	Dividend Yield (TTM) :	0.03	?	Payout Ratio (TTM) :	0.47
?	ROE (TTM) :	0.08	?	ROIC (TTM) :	0.03
?	Net Debt (TTM) :	257.571M	?	Debt/Equity (TTM) :	0.79
?	P/B (TTM) :	1.05	?	Current Ratio (TTM) :	0.22

Forward P/E Ratios

?

Forward P/E calculated based on:

Forward P/E 1Y	Forward P/E 2Y	Forward P/E 3Y	Forward P/E 4Y	Forward P/E 5Y
9.98	10.89	9.84	9.10	N/A

SWOT Analysis

No SWOT analysis available for this stock.

ACNB

1.77

3.32

0.1

0.02

1.4

26.34

71.86

Trading Metrics:

Open:	41.1	Previous Close:	41.29
Day Low:	40.97	Day High:	42.16
Year Low:	32.1	Year High:	50.72
Price Avg 50:	41.8	Price Avg 200:	42.15
Volume:	35820	Average Volume:	30449

Relevant news

04-02-2025 10:30

CORRECTION - ACNB Corporation Announces Completion of Traditions Bancorp, Inc. Acquisition

ACNB

ACNB Corporation

About The Company

Revenue Segmentation

EPS

Earnings Call

Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Current Key Metrics

Forward P/E Ratios

SWOT Analysis

Relevant news

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