ACNB Corporation

ACNB • Banks - Regional

$65.95

▲ +0.34 (+0.52%)

Current price

EarningsLatest report: Jun 30, 2026

FAVORABLE PROFILEAttractiveConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology

Analysis thesis: Strong business quality with supportive growth and cash-flow evidence. Valuation still matters, but the historical ratio profile is favorable.

Market Cap

$673.50M

Growth

6.5%

Cash Flow

5/5

Trend

Stable

Evidence

Stable or improving margins · 21.7%Positive revenue growth · 9.4%Positive free cash flow · 5.12Consistent free cash flow · 5/5Reasonable earnings multiple · 13.39

Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 7, 2026, 1:22 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$65.95

Change0.52%

Shares Out10.21M

Market Cap$673.50M

Enterprise Value$968.64M

52W Range41.33 - 65.94

Beta0.87

P/E12.34

P/S3.37

P/B1.59

P/FCF8.66

EV/Sales4.84

Price$65.95

Change0.52%

Shares Out10.21M

Market Cap$673.50M

Enterprise Value$968.64M

52W Range41.33 - 65.94

Beta0.87

P/E12.34

P/S3.37

P/B1.59

P/FCF8.66

EV/Sales4.84

EV/EBITDA13.24

EV/FCF12.45

Earnings Yield8.11%

FCF Yield11.55%

Dividend Yield3.63%

Gross Margin73.68%

Oper. Margin27.26%

Profit Margin21.75%

Debt/Eq0.78

Current Ratio0.32

Quick Ratio0.32

Revenue 5Y6.49%

FCF 5Y3.59%

Target$61.00

Target Upside-7.51%

Target Median$61.00

Target Range57.00 - 65.00

Volume62.79K

Avg Volume68.19K

EPS Surprise0.06

Investment DNA

How strong this company looks for long-term investors

out of 100

Business Quality

Margins, moat, returns

77/100

Financial Strength

Debt, cash, stability

34/100

Growth Potential

Revenue and expansion

72/100

Price Attractiveness

Cheap or expensive today

83/100

Why this score▼

Stable or improving margins · 21.7%Positive revenue growth · 9.4%Positive free cash flow · 5.12Consistent free cash flow · 5/5Reasonable earnings multiple · 13.39Manageable debt level · 0.78

Analyst view

Analyst sentiment and price target

ACNB

Analyst sentiment

Based on 2 analyst votes · 2026-09-04

75/100

Bullish

Hold

Bearish

Price Target

2026-08-07

Low

$57.00

Mean

$61.00

Median

$61.00

High

$65.00

Company Overview

IPO: 4/4/1994

Industry: Banks - Regional

P/B i: 1.59

Debt / Equity i: 0.78

Operating Margin: 27.26%

Net Margin: 21.75%

ROE i: -

ROIC: -

Financial Health

Score7 / 20

Debt / Equity: 0.78

Current Ratio: 0.32

Quick Ratio: 0.32

Status: Weak

Warnings

Weak Liquidity
Weak quick ratio

Insider Transactions

Recent executive and insider activity

Stock Alan J

Transaction: 06/15/2026

BUY

Change

—

Price

$56.51

Filing

06/17/2026

Type

BUY

Draganosky Eugene J.

Transaction: 06/15/2026

BUY

Change

—

Price

$56.51

Filing

06/17/2026

Type

BUY

Chaney Kimberly S

Transaction: 06/15/2026

BUY

Change

—

Price

$56.51

Filing

06/17/2026

Type

BUY

Insider	Type	Change	Price	Transaction	Filing
Stock Alan J	BUY	—	$56.51	06/15/2026	06/17/2026
Draganosky Eugene J.	BUY	—	$56.51	06/15/2026	06/17/2026
Chaney Kimberly S	BUY	—	$56.51	06/15/2026	06/17/2026
Chiaruttini Alexandra C	BUY	—	$56.51	06/15/2026	06/17/2026
Polli John M.	BUY	—	$56.51	06/15/2026	06/17/2026
Lott James J	BUY	—	$56.51	06/15/2026	06/17/2026
Herring Todd L	BUY	—	$56.51	06/15/2026	06/17/2026
Newell Donna M	BUY	—	$56.51	06/15/2026	06/17/2026
ELSNER FRANK III	BUY	—	$56.51	06/15/2026	06/17/2026
Seibel Donald Arthur Jr	BUY	—	$56.51	06/15/2026	06/17/2026
Carson Elizabeth F.	BUY	—	$56.51	06/15/2026	06/17/2026
Kelley Scott L	OTHER	0	Not reported	05/26/2026	05/26/2026
Potts Daniel W	OTHER	0	Not reported	05/26/2026	05/26/2026
HELT JAMES	SELL	—	$46.42	03/13/2026	03/17/2026
Weber Jason H	SELL	—	$46.42	03/13/2026	03/17/2026
Laub Laurie A	SELL	—	$46.42	03/13/2026	03/17/2026
Seibel Douglas A	SELL	—	$46.42	03/13/2026	03/17/2026
Bradley Andrew A	SELL	—	$46.42	03/13/2026	03/17/2026
Stock Alan J	BUY	—	$46.42	03/13/2026	03/17/2026
Hayes Kevin J	SELL	—	$46.42	03/13/2026	03/17/2026

About the Company

ACNB Corporation

ACNB Corporation operates as a financial holding company, offering a comprehensive suite of banking, insurance, and financial services to a diverse clientele including individuals, businesses, and government entities across the United States. Its banking segment provides a range of deposit products such as checking, savings, money market, and time accounts, along with debit cards. The company is also a significant lender, furnishing commercial products like mortgages, real estate development and construction financing, accounts receivable and inventory loans, and agricultural and governmental funding. For individual consumers, it supplies home equity loans and lines of credit, automotive and recreational vehicle loans, manufactured housing loans, and personal lines of credit. Mortgage programs encompass personal residential, construction, and investment properties. Beyond traditional banking, ACNB delivers extensive wealth management and trust services, acting as a trustee to oversee, manage, and distribute financial assets for testamentary, life insurance, and charitable remainder trusts, as well as guardianships, powers of attorney, custodial accounts, and investment advisory and management services. Retail brokerage is also available. Additionally, the corporation offers various insurance products, including property and casualty, health, life, and disability coverage for both commercial and individual clients. Customers benefit from convenient access through online, telephone, and mobile banking, alongside automated teller machine services. Established in 1857 and based in Gettysburg, Pennsylvania, ACNB's physical network as of December 31, 2021, comprised 19 community banking branches across Adams, York, Cumberland, and Franklin counties in Pennsylvania; five community banking offices in Frederick County, Maryland; and six in Carroll County, Maryland. Loan offices further extend its reach in Lancaster and York, Pennsylvania, and Hunt Valley, Maryland.

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Peers

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Size reflects market cap · color matches the chart line

1Y peer performance

Top performers + selected company

Latest news

This is Why ACNB (ACNB) is a Great Dividend Stock

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does ACNB (ACNB) have what it takes?

Zacks Investment Research

ACNB (ACNB) Could Be a Great Choice

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does ACNB (ACNB) have what it takes?

Zacks Investment Research

ACNB Corporation (NASDAQ:ACNB) Given Consensus Recommendation of “Hold” by Analysts

Shares of ACNB Corporation (NASDAQ: ACNB - Get Free Report) have been assigned an average rating of "Hold" from the five analysts that are currently covering the company, Marketbeat reports. Three equities research analysts have rated the stock with a hold rating and two have assigned a buy rating to the company. The average 1-year price

Defense World

Dimensional Fund Advisors LP Raises Position in ACNB Corporation $ACNB

Dimensional Fund Advisors LP raised its position in shares of ACNB Corporation (NASDAQ: ACNB) by 4.6% in the quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission. The firm owned 334,844 shares of the bank's stock after purchasing an additional 14,789 shares during

Defense World

ACNB Corporation Announces Third Quarter of 2026 Cash Dividend

GETTYSBURG, Pa., July 29, 2026 (GLOBE NEWSWIRE) -- ACNB Corporation (NASDAQ: ACNB), financial holding company for ACNB Bank and ACNB Insurance Services, Inc., announced today that the Board of Directors has approved and declared a regular quarterly cash dividend of $0.42 per share of ACNB Corporation common stock payable on September 15, 2026, to shareholders of record as of September 1, 2026. This per share amount reflects a 23.5% increase, or $0.08, over the $0.34 cash dividend paid in the third quarter of 2025. On a year-to-date basis, upon payment of this dividend, ACNB Corporation will have paid, inclusive of the $0.50 special dividend paid in the prior quarter, $1.72 per share in dividends through the third quarter of 2026, compared to $1.00 per share paid over the same period in 2025, an increase of 72%.

GlobeNewsWire

Earnings Surprises

Period	Estimate	Actual	Surprise
2026-04-23	1.26	1.32	0.06
2026-01-22	1.26	1.35	0.09
2025-10-23	1.2	1.42	0.22
2025-07-24	1.14	1.11	-0.03
2025-04-24	0.94	1.03	0.09
2025-01-23	0.83	0.77	-0.06
2024-10-24	0.92	0.84	-0.08
2024-07-24	0.84	1.32	0.48
2024-04-25	0.8	0.8	0
2024-01-25	0.94	0.48	-0.46
2023-10-27	0.99	1.06	0.07
2023-07-27	1.02	1.12	0.1