ACNB (ACNB) AI Stock Analysis

• Market Cap: $449.86M
• Dividend Yield: 3%
• Average Volume (3M): 32.95K
• Price to Earnings (P/E): 14.7
• Beta (1Y): 0.92
• Revenue Growth: 22.17%
• EPS Growth: -15.57%
• Country: US
• Employees: 391
• Sector: Financial
• Sector Strength: 83
• Industry: Banks - Regional
• EPS (TTM): 2.90
• Shares Outstanding: 10,542,731
• 10 Day Avg. Volume: 22,382
• 30 Day Avg. Volume: 32,953
• PEG Ratio: 17.83
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.53
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: 6.39
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $48.50
• Price Target Upside: 12.95% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

ACNB's overall stock score reflects its solid financial performance and attractive valuation. The recent acquisition of Traditions Bancorp strengthens its market position and adds strategic value. However, technical indicators suggest potential short-term volatility, which investors should consider. Despite these mixed signals, ACNB is well-positioned in its industry, offering a reasonable P/E ratio and a healthy dividend yield.

Positive Factors

Acquisition Impact

The acquisition increases the total asset base from $2.4B to a pro forma ~$3.3B, adding meaningful scale for the bank.

Cost Savings

Management expects 35% cost saves from the Traditions acquisition, enhancing profitability.

Investment Opportunity

Shares of ACNB trade at a discount compared to its peer group, making it an attractive investment opportunity.

Negative Factors

Risk Factors

Risks include missed growth and/or profitability expectations, deterioration in asset quality, and general weakness in bank stock valuations.

ACNB Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

ACNB Corporation makes money primarily through its subsidiary, ACNB Bank, which generates revenue by offering a variety of financial products and services. Key revenue streams include interest income from loans and investments, fees from deposit accounts, and wealth management and trust services. The company also earns money through its insurance subsidiary, Russell Insurance Group, Inc., which provides insurance solutions. ACNB's profitability is influenced by interest rates, loan demand, economic conditions, and its ability to manage risk effectively. Significant partnerships with local businesses and community engagement also contribute to its earnings by fostering customer loyalty and expanding its service reach.

ACNB Financial Statement Overview

Summary

ACNB demonstrates solid financial health with consistent revenue growth and effective cost management. The balance sheet is strong, supported by stable equity and manageable debt levels. Cash flow generation is robust, although attention is needed on investing cash flow fluctuations. Overall, ACNB is well-positioned in the banking industry but should remain vigilant to manage liabilities and cash reserves effectively.

Income Statement

ACNB's income statement demonstrates steady revenue growth, with a revenue increase from $105.9 million to $107.5 million. The net profit margin is healthy, showcasing efficient cost management. However, the absence of EBIT and EBITDA data limits full profitability analysis.

Balance Sheet

ACNB maintains a solid equity base with a stable equity ratio and a manageable debt-to-equity ratio. The return on equity remains healthy, indicating effective use of equity capital. However, relatively high liabilities compared to assets could pose risks if not managed carefully.

Cash Flow

The cash flow statement reflects consistent free cash flow generation, supported by strong operating cash flows. The free cash flow to net income ratio is robust, indicating efficient cash conversion. However, fluctuating investing cash flows suggest potential volatility in cash reserves.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
107.47M	105.92M	421.00K	93.93M	93.00M
	Gross Profit
107.47M	106.43M	421.00K	93.93M	93.00M
	EBIT
-67.31M	0.00	48.58M	35.02M	22.70M
	EBITDA
0.00	0.00	48.75M	38.46M	26.35M
	Net Income Common Stockholders
31.85M	31.69M	35.75M	27.83M	18.39M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
410.33M	473.13M	721.72M	1.15B	737.07M
	Total Assets
2.39B	2.42B	2.53B	2.79B	2.56B
	Total Debt
15.83M	254.79M	24.16M	37.97M	56.88M
	Net Debt
-526.00K	188.83M	-144.00M	-672.16M	-342.47M
	Total Liabilities
2.09B	2.14B	2.28B	37.97M	56.88M
	Stockholders Equity
303.27M	277.46M	245.04M	272.11M	257.97M
Cash Flow		Free Cash Flow
38.82M	39.43M	37.39M	40.55M	24.42M
	Operating Cash Flow
39.78M	40.60M	39.20M	42.13M	25.47M
	Investing Cash Flow
2.43M	15.44M	-331.72M	60.52M	-114.85M
	Financing Cash Flow
-60.91M	-158.24M	-249.45M	208.13M	374.37M

ACNB Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 42.94
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ACNB, the sentiment is Positive. The current price of 42.94 is above the 20-day moving average (MA) of 41.23, above the 50-day MA of 41.02, and above the 200-day MA of 41.33, indicating a bullish trend. The MACD of 0.61 indicates Negative momentum. The RSI at 60.73 is Neutral, neither overbought nor oversold. The STOCH value of 57.62 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ACNB.

ACNB Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UNTY	77 Outperform	$437.40M	10.20	15.17%	1.22%	6.99%	12.46%
ACNB	74 Outperform	$449.86M	14.69	7.44%	3.00%	22.17%	-15.57%
NFBK	71 Outperform	$482.24M	14.78	4.48%	4.60%	10.00%	2.81%
AROW	67 Neutral	$426.27M	15.07	7.25%	4.31%	11.46%	-1.07%
Sector *	64 Neutral	$12.51B	9.81	7.92%	16985.69%	12.67%	-5.98%
PFIS	63 Neutral	$456.49M	21.52	4.88%	4.95%	51.66%	-34.65%
ALRS	53 Neutral	$537.51M	17.29	6.27%	3.80%	40.15%	146.11%

ACNB Corporate Events

ACNB Announces Restricted Stock Awards for Executives

On March 14, 2025, ACNB Corporation and ACNB Bank announced the granting of restricted stock awards to several executive officers under the ACNB Bank Variable Compensation Plan and the ACNB Corporation 2018 Omnibus Stock Incentive Plan. These awards, which are subject to specific vesting schedules and forfeiture conditions, are designed to incentivize and retain key personnel within the organization.