ACNB ACNB Corporation - Fundamental Analysis
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ACNB Stock | Fundamental Analysis & Investment Insights
NASDAQ
Financial Services
Banks - Regional
Current Price
Live
$52.55
Analyst Target
$56.67
+7.8%
Upside
52W High
$53.89
52W Low
$35.7
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Feb 14, 2026
Market cap
$545.72M
P/E
14.52
ROE
10.2%
Profit margin
25.3%
Debt/Equity
N/A
Dividend yield
2.91%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
78%
Analysis Accuracy
ACNB's Piotroski F-Score of 2/9 indicates weak financial health, signaling significant concerns in operational efficiency and capital structure. The absence of an Altman Z-Score raises red flags regarding bankruptcy risk, especially given the lack of available debt and liquidity metrics. While the company exhibits strong revenue and earnings growth (37.6% and 35.0% YoY), its low ROE (10.25%) and high P/E (14.52) relative to peers suggest limited profitability efficiency. The stock trades below its Graham Number ($57.43) and intrinsic value ($106.79), indicating potential undervaluation, but this is tempered by weak financial health and bearish insider activity. Analysts maintain a 'buy' recommendation, but the consensus is based on limited coverage and high growth expectations.
Key Strengths
Strong revenue and earnings growth (37.6% and 35.0% YoY)
High profit margin (25.26%) and operating margin (41.88%)
Stock trades below Graham Number ($57.43) and intrinsic value ($106.79)
Positive earnings surprise history (average +13.24% over last 4 quarters)
Conservative payout ratio (38.33%) with stable dividend yield (2.91%)
Key Risks
Piotroski F-Score of 2/9 indicates weak financial health and operational inefficiency
No Altman Z-Score available, raising unquantified bankruptcy risk
Bearish insider sentiment with 4 sell transactions totaling $0.51M in value
Low ROE (10.25%) and ROA (1.32%) suggest poor capital utilization
Lack of key financial health metrics (Debt/Equity, Current Ratio, Cash, Debt) limits risk assessment
AI Fair Value Estimate
Based on comprehensive analysis
$106.79
+103.2% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
60
Moderate
78
85
55
30
50
AI Verdict
neutral
Key drivers: Strong growth and margin performance, Undervaluation relative to intrinsic value, Weak financial health (Piotroski F-Score), Missing Altman Z-Score and key liquidity metrics, Bearish insider activity
Confidence
78%
Value
78/100
Ref P/E, PEG, Graham Number
Positives
- Current price ($52.55) is below Graham Number ($57.43)
- Current price is significantly below intrinsic value ($106.79)
- P/E (14.52) is below sector average (30.52)
Watchpoints
- Forward P/E (10.16) is low but may reflect near-term earnings volatility
- Price/Sales (3.72) is elevated, suggesting premium valuation on revenue
Future
85/100
Ref Growth rates
Positives
- 37.6% YoY revenue growth and 35.0% earnings growth
- 63.8% Q/Q earnings growth in most recent quarter
- 57.0% YoY EPS growth in most recent quarter
- Strong earnings surprise history (avg +13.24%)
Watchpoints
- PEG ratio not available, limiting growth-adjusted valuation
- High growth may not be sustainable without improved ROE and capital efficiency
Past
55/100
Ref Historical trends
Positives
- Consistent earnings beat rate (3 out of last 4 quarters)
- Historical earnings momentum with multiple quarters exceeding estimates
- Positive 5-year price return (+129.4%)
Watchpoints
- Significant earnings misses in 2025 Q1 and Q2 (15.0% and 11.5%)
- Recent Q/Q EPS growth of -6.2% indicates near-term deceleration
- Inconsistent earnings trajectory with volatility
Health
30/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- High operating margin (41.88%) indicates strong operational efficiency
- No visible debt or liquidity issues (though data missing)
Watchpoints
- Piotroski F-Score of 2/9 signals severe financial distress risk
- No Altman Z-Score available, indicating inability to assess bankruptcy risk
- Missing key financial ratios (Debt/Equity, Current Ratio, Quick Ratio)
- Total Cash and Total Debt not disclosed
Dividend
50/100
Ref Yield, Payout
Positives
- Dividend yield of 2.91% is attractive for a financial stock
- Payout ratio of 38.33% is sustainable and conservative
Watchpoints
- No 5-year average yield available
- Insider selling may signal lack of confidence in dividend sustainability
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$52.55
Analyst Target
$56.67
Upside/Downside
+7.8%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for ACNB and closest competitors.
Updated 2026-02-13
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
ACNB
ACNB Corporation
Primary
|
+129.4% | +54.0% | +32.0% | +21.0% | +7.8% | -0.4% |
|
BME
BlackRock Health Sciences Trust
Peer
|
+19.4% | +22.4% | +13.7% | +20.6% | +2.5% | +1.8% |
|
ACIC
American Coastal Insurance Corporation
Peer
|
+114.7% | +710.9% | -2.6% | +8.0% | -1.8% | -1.9% |
|
AROW
Arrow Financial Corporation
Peer
|
+32.2% | +12.2% | +25.8% | +24.2% | +3.4% | +0.1% |
|
BGY
BlackRock Enhanced International Dividend Trust
Peer
|
+46.6% | +41.8% | +18.4% | +7.6% | +3.0% | +0.6% |
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
14.52
Forward P/E
10.16
PEG Ratio
N/A
P/B Ratio
1.3
P/S Ratio
3.72
EV/Revenue
5.48
EV/EBITDA
N/A
Market Cap
$545.72M
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
(5 bullish, 111 neutral, 92 bearish)
P/E Ratio
14.52
This Stock
vs
30.38
Sector Avg
-52.2%
(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 | $545.72M | 14.52 | 10.2% | 25.3% | $52.55 | |
|
BME
BlackRock Health Sciences Trust
|
BEARISH | $545.27M | - | -4.6% | -% | $42.19 | |
|
ACIC
American Coastal Insurance...
|
NEUTRAL | $540.81M | 6.41 | 29.3% | 26.0% | $11.09 | |
|
AROW
Arrow Financial Corporation
|
NEUTRAL | $538.37M | 16.43 | 8.5% | 23.4% | $32.69 | |
|
BGY
BlackRock Enhanced...
|
BEARISH | $554.84M | 45.92 | 7.0% | 283.6% | $5.97 |
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 | 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 | FULK BRETT D | Officer of Subsidiary Company | Sale | 2,773 | $144,957 |
| 2025-12-15 | ELSNER FRANK III | Director | Stock Award | 149 | $7,875 |
| 2025-12-15 | ELSNER FRANK III | Director | Purchase | 4 | $250 |
| 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 | KELLEY SCOTT L | 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.