Is ACNB Corporation (ACNB) Overvalued?
We dive into why ACNB Corporation (ACNB) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Michael Rose
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COMPANY SUMMARY
ACNB Corporation, a financial holding company, offers 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 that include personal residential mortgages, residential construction loans, and investment mortgage loans. In addition, the company offers other services that are related to testamentary trusts, life insurance trusts, charitable, guardianships, powers of attorney, custodial accounts, investment management and advisory accounts, wealth management, and retail brokerage and services. Further, the company offers property and casualty, health, life, and disability insurance products to commercial and personal clients; online, telephone, and mobile banking; as well as automated teller machine services. ACNB Corporation was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.
Commentary & Analysis
What You Need to Know About ACNB Corporation's Q3 Earnings
ACNB Corporation's fiscal Q3 earnings report was released on Thursday, July 23. Let's dive in to see if (ACNB) missed or beat analyst's expectations.Michael Rose
What You Need to Know About ACNB Corporation's Q2 Earnings
ACNB Corporation's fiscal Q2 earnings report was released on Thursday, April 23. Let's dive in to see if (ACNB) missed or beat analyst's expectations.Michael Rose
What You Need to Know About ACNB Corporation's Q1 Earnings
ACNB Corporation's fiscal Q1 earnings report was released on Thursday, January 22. Let's dive in to see if (ACNB) missed or beat analyst's expectations.Tudor Pop
What You Need to Know About ACNB Corporation's Q4 Earnings
ACNB Corporation's fiscal Q4 earnings report was released on Thursday, October 23. Let's dive in to see if (ACNB) missed or beat analyst's expectations.Jenna Brashear
Financial Summary
| Share Statistics | ACNB | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $655.5 | $745.4 | 40% |
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| Shares Out (Mil) | 10.2 | 15.3 | 20% |
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| Institutional Ownership | 90.9% | 83.2% | 59% |
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| Float (Mil) | 9.8 | 21.8 | 19% |
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| Beta | 0.86 | 0.42 | 51% |
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| Avg Daily Volume (000s) | 67 | 45 | 31% |
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| Price Change (52-week) |
44.3% | 94.6% | 76% |
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| Growth | ACNB | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 11.8% | 7.7% | 64% |
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| Net Income (5yr) | 15.1% | 11.1% | 64% |
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| EPS (5yr) | 11.1% | 10.1% | 49 |
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| Dividends (5yr) | 6.7% | 3.6% | 86% |
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| Cash Flow (5yr) | (44.2%) | (17.1%) | 9% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 4 | 4 | 4 | |
| Current EPS | $1.465 | $5.663 | $5.693 | |
| Month Ago EPS | $1.385 | $5.400 | $5.478 | |
| # Rev Up | 1 | 1 | 3 | |
| # Rev Down | 0 | 1 | 0 | |
| Three Months Ago EPS | $1.380 | $5.393 | $5.458 | |
| Year/Year Chg | (1.7%) | 57.3% | na | |
| Financials | ACNB | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $161 | $196 | 30% |
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| Net Income (TTM) (Mil) | $55 | $55 | 56% |
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| EPS (TTM) | $5.288 | $2.600 | 87% |
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| Operating Cash Flow (TTM) (Mil) | $60 | $35 | 48% |
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| Net Cash Flow (TTM) (Mil) | ($21) | $2 | 25% |
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| Long-Term Debt (Q1) (Mil) | $179 | $100 | 49% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | ACNB | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.55 | 1.25 | 39% |
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| P/E | 12.2 | 12.4 | 26% |
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| Dividend Yield | 2.6% | 2.2% | 82% |
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| PEG (5yr hist) | 1.1 | 1.1 | 48% |
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| Ratios | ACNB | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 33.9% | 29.1% | 92% |
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| ROA | 1.7% | 1.1% | 53% |
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| ROE | 13.3% | 11.3% | 66% |
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| Liabilities to Assets | 87.2% | 89.7% | 81% |
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| F-Score | 6 | 4 | 67% |
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ACNB Corporation did not pass any screens on 8/21/2026.
