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ACNB vs JPM

ACNB
ACNB Corporation
NEUTRAL
Price
$46.48
Market Cap
$482.7M
Sector
Financial Services
AI Confidence
72%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$294.16
Market Cap
$793.36B
Sector
Financial Services
AI Confidence
65%

Valuation

P/E Ratio
ACNB
12.91
JPM
14.69
Forward P/E
ACNB
8.99
JPM
12.62
P/B Ratio
ACNB
1.15
JPM
2.32
P/S Ratio
ACNB
3.29
JPM
4.72
EV/EBITDA
ACNB
--
JPM
--

Profitability

Gross Margin
ACNB
0.0%
JPM
0.0%
Operating Margin
ACNB
41.88%
JPM
41.06%
Profit Margin
ACNB
25.26%
JPM
33.91%
ROE
ACNB
10.25%
JPM
16.13%
ROA
ACNB
1.32%
JPM
1.35%

Growth

Revenue Growth
ACNB
37.6%
JPM
2.5%
Earnings Growth
ACNB
35.0%
JPM
-3.6%

Financial Health

Debt/Equity
ACNB
--
JPM
--
Current Ratio
ACNB
--
JPM
--
Quick Ratio
ACNB
--
JPM
--

Dividends

Dividend Yield
ACNB
3.27%
JPM
2.11%
Payout Ratio
ACNB
38.33%
JPM
28.97%

AI Verdict

ACNB NEUTRAL

ACNB exhibits weak financial health per the Piotroski F-Score of 2/9, indicating significant operational and financial vulnerabilities. The absence of an Altman Z-Score raises concern about default risk, especially given the lack of disclosed leverage and liquidity metrics. Despite strong profitability (25.26% margin, 41.88% operating margin) and robust revenue and earnings growth (37.6% and 35.0% YoY), the stock trades at a premium to its Graham Number ($57.27) and intrinsic value ($106.2), suggesting overvaluation relative to conservative metrics. Insider selling activity over the past six months and a bearish technical trend further temper optimism, despite a solid dividend payout ratio and recent earnings beats.

Strengths
High operating margin (41.88%) and strong profit margin (25.26%) indicate efficient operations
Significant revenue and earnings growth (37.6% and 35.0% YoY) demonstrate strong top-line momentum
Recent earnings have consistently beaten estimates (3 of last 4 quarters), with an average surprise of 13.24%
Risks
Piotroski F-Score of 2/9 signals severe financial distress risk and weak operational health
No Altman Z-Score available, and missing key financial ratios (Debt/Equity, Current Ratio) raise red flags for solvency
Insider selling activity (4 transactions, $0.51M value) indicates potential lack of confidence among insiders
JPM NEUTRAL

JPM shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Key strengths include strong valuation and growth metrics. Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Strengths
Attractive valuation with P/E of 14.7
Strong profitability (33.9% margin)
Strong ROE of 16.1%
Risks
Weak financial trend (Piotroski F-Score: 2/9)
Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Compare Another Pair

ACNB vs JPM: Head-to-Head Comparison

This page compares ACNB Corporation (ACNB) and JPMorgan Chase & Co. (JPM) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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