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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 Framework: Banks & Lenders Small Cap
ACNB Corporation (ACNB), is a Small Cap company, in the Banks - Regional industry, last closed at $57.50, about 27.2% overvalued vs fair value, +39.9% 1Y return, ranked 284/1037 in sector.
Metrics Rev Growth 57.3% ROE 10.3% Gross Margin 73.7%
USD 57.50
0.86%
(Delayed)
• Vol 90d: 25.3%
52-Week Range
Market Cap
$582.20M
Enterprise Value
$821.38M
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Good
Valuation
Fair
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Good
Valuation
Fair
Completeness: 82%
Confidence: 81%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Dividend Jun 15
Earnings Jul 23 Estimated

Fair Value Snapshot

Bear Base Bull
$23
$42
$78
Current: $57.50 -27% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$161.9M
52%%
Interest Expense
$40.1M
Net Interest Income
$121.8M
47.4%%
Total Revenue
$151.7M
40%%
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
8.8%
Fair

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

$25.5M
68.9% 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
0
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
61
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
66
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Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing ACNB's balance between Growth (30.6%), Profitability (36.7%), and Safety (32.7%). Growth 31% Safety 33% Profitability 37%

Click axes to expand details. Marker shows current allocation.

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Growth

57th percentile vs peers
57
Key Signals
Asset Growth YoY 34.8% 95p Equity Growth YoY 9.3% 67p EPS Growth YoY 0.5% 44p NII Growth YoY -6.1% 21p
Strengths
  • Asset Growth YoY in top 20% of peers (34.8%, 95th percentile)
  • Net Interest Margin in top 20% of peers (3.5%, 80th percentile)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

68th percentile vs peers
69
Key Signals
Strengths
Risks
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Safety

61th percentile vs peers
61
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:

  • Recently listed companies (IPOs, SPACs)
  • 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
$41.86
- - -
-27.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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