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Company Analysis

ACNB Corporation ACNB

A comprehensive view of key metrics, scores, and financial health for ACNB Corporation

Overview of ACNB Corporation

ACNB NCM
Financial Services Banks - Regional Small Cap
ACNB Corporation (ACNB), is a Small Cap company, in the Banks - Regional industry, last closed at $46.48, about 12.4% overvalued vs fair value, +12.3% 1Y return, ranked 265/1004 in sector.
$46.48
-0.11%
As of March 13, 2026
Previous close • Vol 90d: 25.3%
52-Week Range
Market Cap
$482.69M
Enterprise Value
$709.57M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.acnb.com
HQ Gettysburg, PA
Fiscal year Dec 31

Next Events

Earnings Apr 23 Estimated

Fair Value Snapshot

Bear Base Bull
$23
$41
$76
Current: $46.48 -12% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$106.5M
10.6%%
Interest Expense
$40.1M
Net Interest Income
$82.6M
-6.1%%
Total Revenue
$170.4M
57.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
10.5%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$11.0M
34.4% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
1
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating ACNB Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
62
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
70
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing ACNB's balance between Growth (30.0%), Profitability (34.0%), and Safety (36.0%). Growth 30% Safety 36% Profitability 34%

Click axes to expand details. Marker shows current allocation.

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Growth

63th percentile vs peers
64
Key Signals
Asset Growth YoY 34.8% 95p Rev Growth YoY 57.3% 51p Revenue CAGR 3Y 17.6% 47p
Strengths
  • Asset Growth Yoy in top 20% of peers (34.8%, 95th percentile)
  • Roa in top 20% of peers (1.3%, 82th percentile)
  • Roa in top 20% of peers (1.3%, 82th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

72th percentile vs peers
72
Key Signals
Strengths
Risks
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Safety

76th percentile vs peers
77
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for ACNB Corporation.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$40.73
- - -
-12.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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