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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 $64.56, about 34.2% overvalued vs fair value, +52.0% 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 64.56
0.88%
(Delayed)
• Vol 90d: 24.7%
52-Week Range
Market Cap
$602.61M
Enterprise Value
$773.72M
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: 82%
Confidence: 87%
Updated: Jul 5
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
$24
$42
$80
Current: $64.56 -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
52
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
59
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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 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing ACNB's balance between Growth (39.1%), Profitability (33.7%), and Safety (27.2%). 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% 94p 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%, 94th percentile)
  • Equity Growth YoY in top 20% of peers (38.5%, 94th percentile)
  • Net Interest Margin in top 20% of peers (3.5%, 80th 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
Safety drilldowns are available to premium members.

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
$42.49
- - -
-34.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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