ACNB ACNB Corporation - Fundamental Analysis
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ACNB Stock | Fundamental Analysis & Investment Insights
NASDAQ
Financial Services
Banks - Regional
Current Price
Live
$51.8
Analyst Target
$56.67
+9.4%
Upside
52W High
$53.89
52W Low
$35.7
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Feb 21, 2026
Market cap
$537.93M
P/E
14.39
ROE
10.2%
Profit margin
25.3%
Debt/Equity
N/A
Dividend yield
2.93%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
72%
Analysis Accuracy
ACNB exhibits weak financial health per the Piotroski F-Score of 2/9, indicating significant operational and financial vulnerabilities despite strong profitability and growth metrics. The absence of an Altman Z-Score raises concern about default risk, particularly given the lack of disclosed debt and liquidity ratios. While the stock trades below its intrinsic value of $106.20 and Graham Number of $57.27, suggesting undervaluation, the bearish insider activity and technical trend undermine near-term momentum. Analysts maintain a 'buy' recommendation, but the high growth is not fully reflected in valuation, creating a paradox between fundamentals and market sentiment.
Key Strengths
High profit margins (25.26%) and operating margins (41.88%) indicate strong operational efficiency
Robust revenue and earnings growth (37.6% and 35.0% YoY) signal strong top-line momentum
Low P/E ratio (14.39) and forward P/E (10.02) suggest potential undervaluation relative to sector peers
Intrinsic value ($106.20) significantly exceeds current price ($51.80), indicating substantial upside potential
Consistent earnings beat rate (3/4 in last 4 quarters) and positive average surprise (+13.24%) reflect earnings reliability
Key Risks
Piotroski F-Score of 2/9 indicates poor financial health, with multiple red flags in profitability, leverage, and cash flow
Absence of Altman Z-Score and missing financial health metrics (Debt/Equity, Current Ratio) create material data gaps
Bearish insider sentiment with $0.51M in sales over 6 months, including large transactions by directors and officers
Technical trend score of 10/100 reflects strong bearish momentum, with price near 52-week high and recent downward pressure
Dividend strength (50/100) and payout ratio (38.33%) are moderate, with no clear history of dividend growth or stability
AI Fair Value Estimate
Based on comprehensive analysis
$106.2
+105.0% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
63
Strong
85
80
70
30
50
AI Verdict
neutral
Key drivers: Strong growth and profitability metrics, Significant undervaluation relative to intrinsic value, Weak financial health (Piotroski F-Score of 2), Bearish insider activity and technical trend
Confidence
75%
Value
85/100
Ref P/E, PEG, Graham Number
Positives
- Current price ($51.80) is below Graham Number ($57.27) and intrinsic value ($106.20)
- P/E (14.39) and forward P/E (10.02) are well below sector average (30.38)
- Price/Book (1.28) is modest, suggesting low premium to book value
Watchpoints
- No PEG ratio available, limiting growth-adjusted valuation analysis
- Price/Sales (3.67) is elevated, suggesting potential overvaluation on revenue basis
Future
80/100
Ref Growth rates
Positives
- 37.6% YoY revenue growth and 35.0% earnings growth indicate strong momentum
- Q/Q earnings growth of 63.8% signals accelerating performance
- Recent earnings surprises average +13.24% over last 4 quarters
Watchpoints
- No forward guidance or PEG ratio to validate sustainability of growth
- Most recent Q/Q EPS growth was -6.2%, indicating potential near-term deceleration
Past
70/100
Ref Historical trends
Positives
- Earnings beat rate of 3/4 in last 4 quarters with consistent positive surprises
- 12-quarter track record shows resilience with only 3 misses out of 12
Watchpoints
- Two quarters (2025-04-24 and 2024-10-24) reported negative surprises (-15.0% and -11.5%)
- 2024-07-24 saw a massive +58.1% surprise, suggesting volatility in earnings delivery
Health
30/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- High ROE (10.25%) and ROA (1.32%) suggest moderate capital efficiency
- Profit margin of 25.26% is strong for a regional bank
Watchpoints
- Piotroski F-Score of 2/9 is critically low, indicating severe financial distress signals
- No Altman Z-Score available; missing key bankruptcy risk indicators
- Missing debt, cash, and liquidity data (Debt/Equity, Current Ratio, etc.)
Dividend
50/100
Ref Yield, Payout
Positives
- Dividend yield of 2.93% is above average for financials
- Payout ratio of 38.33% is sustainable and conservative
Watchpoints
- No 5-year dividend history or growth trend available
- Dividend strength score of 50/100 reflects moderate reliability
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$51.8
Analyst Target
$56.67
Upside/Downside
+9.4%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for ACNB and closest competitors.
Updated 2026-02-20
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
ACNB
ACNB Corporation
Primary
|
+124.0% | +49.7% | +30.8% | +12.9% | +2.1% | -1.4% |
|
AROW
Arrow Financial Corporation
Peer
|
+32.2% | +12.2% | +25.8% | +24.2% | +3.4% | +0.1% |
|
BLW
BlackRock Limited Duration Income Trust
Peer
|
+34.9% | +35.5% | +6.4% | +2.4% | +0.9% | +0.6% |
|
BGB
Blackstone Strategic Credit 2027 Term Fund
Peer
|
+38.8% | +43.3% | +5.0% | -0.5% | +2.1% | -0.1% |
|
ACIC
American Coastal Insurance Corporation
Peer
|
+126.0% | +735.0% | -8.8% | +6.5% | -3.1% | -1.8% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
14.39
Forward P/E
10.02
PEG Ratio
N/A
P/B Ratio
1.28
P/S Ratio
3.67
EV/Revenue
5.41
EV/EBITDA
N/A
Market Cap
$537.93M
Profitability
Profit margins and return metrics
Profit Margin
25.26%
Operating Margin
41.88%
Gross Margin
N/A
ROE
10.25%
ROA
1.32%
Growth
Revenue and earnings growth rates
Revenue Growth
+37.6%
Earnings Growth
+35.0%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+63.8%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$6.33
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-23
$N/A
2026-01-22
$1.35
+9.3% surprise
2025-10-23
$1.44
+21.7% surprise
2025-07-24
$1.25
+8.8% surprise
Financial Services Sector Comparison
Comparing ACNB against 208 companies in the Financial Services sector
(6 bullish, 111 neutral, 91 bearish)
P/E Ratio
14.39
This Stock
vs
30.39
Sector Avg
-52.6%
(Discount)
Return on Equity (ROE)
10.25%
This Stock
vs
-7.57%
Sector Avg
-235.3%
(Below Avg)
Profit Margin
25.26%
This Stock
vs
83.86%
Sector Avg
-69.9%
(Weaker)
Revenue Growth
37.6%
This Stock
vs
30.29%
Sector Avg
+24.2%
(Fast Growth)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
ACNB
ACNB Corporation
|
NEUTRAL | $537.93M | 14.39 | 10.2% | 25.3% | $51.8 | |
|
AROW
Arrow Financial Corporation
|
NEUTRAL | $538.37M | 16.43 | 8.5% | 23.4% | $32.69 | |
|
BLW
BlackRock Limited Duration...
|
BEARISH | $533.36M | 9.91 | 9.9% | 81.9% | $13.77 | |
|
BGB
Blackstone Strategic...
|
BEARISH | $531.51M | 11.55 | -% | -% | $11.9 | |
|
ACIC
American Coastal Insurance...
|
NEUTRAL | $531.05M | 6.29 | 29.3% | 26.0% | $10.89 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-03 | HAYES KEVIN J | General Counsel | Sale | 750 | $38,477 |
| 2026-01-26 | FULK BRETT D | Officer of Subsidiary Company | Sale | 1,486 | $72,104 |
| 2025-12-15 | HERRING TODD L. | Chairman of the Board | Stock Award | 213 | $11,250 |
| 2025-12-15 | CHANEY KIMBERLY S. | Director | Stock Award | 149 | $7,875 |
| 2025-12-15 | CHIARUTTINI ALEXANDRA C. | Director | Stock Award | 149 | $7,875 |
| 2025-12-15 | CARSON ELIZABETH F. | Director | Stock Award | 149 | $7,875 |
| 2025-12-15 | DRAGANOSKY EUGENE J. | Director | Stock Award | 149 | $7,875 |
| 2025-12-15 | POLLI JOHN M | Director | Stock Award | 213 | $11,250 |
| 2025-12-15 | KELLEY SCOTT L | Director | Stock Award | 149 | $7,875 |
| 2025-12-15 | FULK BRETT D | Officer of Subsidiary Company | Sale | 2,773 | $144,957 |
| 2025-12-15 | STOCK ALAN J | Chairman of the Board | Stock Award | 213 | $11,250 |
| 2025-12-15 | POTTS DANIEL W | Director | Stock Award | 149 | $7,875 |
| 2025-12-15 | LOTT JAMES J | Director | Stock Award | 213 | $11,250 |
| 2025-12-15 | NEWELL DONNA M | Director | Stock Award | 213 | $11,250 |
| 2025-12-15 | ELSNER FRANK III | Director | Stock Award | 149 | $7,875 |
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
3 analysts
Piper Sandler
2025-10-30
Overweight
Overweight
Past News Coverage
Recent headlines mentioning ACNB from our newsroom.
Newest → oldest
No matching news yet.