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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 $65.02, about 34.0% overvalued vs fair value, +44.6% 1Y return, placing in the top 25% of its sector.
Metrics P/E 13.4× Rev Growth 40.0% ROE 10.3% Gross Margin 82.8% Div Yield 2.86%
USD 65.02
1.12%
(Delayed)
• Vol 90d: 22.6%
52-Week Range
Market Cap
$602.61M
Enterprise Value
$829.88M
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Good
Growth
Good
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Good
Completeness: 94%
Confidence: 60%
Updated: Sep 12
Top Beats

Quick Facts

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

Next Events

Dividend Sep 15
Earnings Oct 22 Estimated

Fair Value Snapshot

Bear Base Bull
$24
$43
$80
Current: $65.02 -34% 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
49
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key risks

  • Capital Adequacy Concerns Capital adequacy is concerning (score 0.26).
  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.38).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Moderate
57
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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 (39.1%), Profitability (33.8%), and Safety (27.1%). Growth 39% Safety 27% Profitability 34%

Click axes to expand details. Marker shows current allocation.

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Growth

81th percentile vs peers
82
Key Signals
NII Growth YoY 47.4% 96p Asset Growth YoY 34.8% 95p Equity Growth YoY 38.5% 94p EPS Growth YoY -3.5% 23p
Strengths
  • Growth performance in top 20% of peers (percentile: 81)
  • NII Growth YoY in top 20% of peers (47.4%, 96th percentile)
  • Asset Growth YoY in top 20% of peers (34.8%, 95th percentile)
  • Equity Growth YoY in top 20% of peers (38.5%, 94th percentile)
  • Net Interest Margin in top 20% of peers (3.5%, 81th percentile)
Risks

No significant risks identified for this axis.

Profitability

70th percentile vs peers
71
Key Signals
Strengths
Risks
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Safety

56th percentile vs peers
57
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
$42.91
- - -
-34.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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