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ACNB

ACNB NasdaqCM:ACNB Stock Report

Last Price

US$31.20

Market Cap

US$269.9m

7D

-10.5%

1Y

10.2%

Updated

27 Jun, 2022

Data

Company Financials
ACNB fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance2/6
Financial Health6/6
Dividends4/6

ACNB Stock Overview

ACNB Corporation, a financial holding company, provides banking, insurance, and financial services to individual, business, and government customers in the United States.

ACNB Competitors

Price History & Performance

Summary of all time highs, changes and price drops for ACNB
Historical stock prices
Current Share PriceUS$31.20
52 Week HighUS$36.04
52 Week LowUS$27.00
Beta0.11
1 Month Change-6.11%
3 Month Change-11.19%
1 Year Change10.25%
3 Year Change-19.15%
5 Year Change1.79%
Change since IPO262.08%

Recent News & Updates

Shareholder Returns

ACNBUS BanksUS Market
7D-10.5%3.7%6.6%
1Y10.2%-17.7%-18.4%

Return vs Industry: ACNB exceeded the US Banks industry which returned -17.7% over the past year.

Return vs Market: ACNB exceeded the US Market which returned -18.4% over the past year.

Price Volatility

Is ACNB's price volatile compared to industry and market?
ACNB volatility
ACNB Average Weekly Movement4.2%
Banks Industry Average Movement3.8%
Market Average Movement8.1%
10% most volatile stocks in US Market16.6%
10% least volatile stocks in US Market3.2%

Stable Share Price: ACNB is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: ACNB's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1857397Jim Helthttps://www.acnb.com

ACNB Corporation, a financial holding company, provides 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 include personal residential mortgages, and residential construction and investment mortgage loans.

ACNB Fundamentals Summary

How do ACNB's earnings and revenue compare to its market cap?
ACNB fundamental statistics
Market CapUS$269.92m
Earnings (TTM)US$26.96m
Revenue (TTM)US$92.29m

10.1x

P/E Ratio

1.1x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
ACNB income statement (TTM)
RevenueUS$92.29m
Cost of RevenueUS$0
Gross ProfitUS$92.29m
Other ExpensesUS$65.33m
EarningsUS$26.96m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)3.10
Gross Margin100.00%
Net Profit Margin29.21%
Debt/Equity Ratio23.5%

How did ACNB perform over the long term?

See historical performance and comparison

Dividends

3.3%

Current Dividend Yield

33%

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

Is ACNB undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for ACNB?

Other financial metrics that can be useful for relative valuation.

ACNB key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Earnings Ratio vs Peers

How does ACNB's PE Ratio compare to its peers?

ACNB PE Ratio vs Peers
The above table shows the PE ratio for ACNB vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average8.8x
BCML BayCom
12x14.0%US$270.7m
PCB PCB Bancorp
6.5x-1.2%US$269.2m
ORRF Orrstown Financial Services
9x-4.0%US$278.7m
BCBP BCB Bancorp
7.8x-0.8%US$280.0m
ACNB ACNB
10xn/aUS$269.9m

Price-To-Earnings vs Peers: ACNB is expensive based on its Price-To-Earnings Ratio (10x) compared to the peer average (8.8x).


Price to Earnings Ratio vs Industry

How does ACNB's PE Ratio compare vs other companies in the US Banks Industry?

Price-To-Earnings vs Industry: ACNB is expensive based on its Price-To-Earnings Ratio (10x) compared to the US Banks industry average (9.6x)


Price to Earnings Ratio vs Fair Ratio

What is ACNB's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

ACNB PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio10.1x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate ACNB's Price-To-Earnings Fair Ratio for valuation analysis.


Share Price vs Fair Value

What is the Fair Price of ACNB when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: ACNB ($31) is trading below our estimate of fair value ($63.67)

Significantly Below Fair Value: ACNB is trading below fair value by more than 20%.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate ACNB's PEG Ratio to determine if it is good value.


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Future Growth

How is ACNB forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


10.6%

Forecasted Banks industry annual growth in earnings

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as ACNB has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


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  • Examine ACNB's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.

Past Performance

How has ACNB performed over the past 5 years?

Past Performance Score

2/6

Past Performance Score 2/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


18.2%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: ACNB has high quality earnings.

Growing Profit Margin: ACNB's current net profit margins (29.2%) are lower than last year (30.2%).


Past Earnings Growth Analysis

Earnings Trend: ACNB's earnings have grown by 18.2% per year over the past 5 years.

Accelerating Growth: ACNB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: ACNB had negative earnings growth (-0.5%) over the past year, making it difficult to compare to the Banks industry average (20.7%).


Return on Equity

High ROE: ACNB's Return on Equity (10.5%) is considered low.


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Financial Health

How is ACNB's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

6/6

Financial Health Score 6/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: ACNB's Assets to Equity ratio (10.7x) is moderate.

Allowance for Bad Loans: ACNB has a sufficient allowance for bad loans (344%).

Low Risk Liabilities: 97% of ACNB's liabilities are made up of primarily low risk sources of funding.

Loan Level: ACNB has an appropriate level of Loans to Assets ratio (53%).

Low Risk Deposits: ACNB's Loans to Deposits ratio (61%) is appropriate.

Level of Bad Loans: ACNB has an appropriate level of bad loans (0.4%).


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Dividend

What is ACNB current dividend yield, its reliability and sustainability?

Dividend Score

4/6

Dividend Score 4/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


3.33%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: ACNB's dividend (3.35%) is higher than the bottom 25% of dividend payers in the US market (1.57%).

High Dividend: ACNB's dividend (3.35%) is low compared to the top 25% of dividend payers in the US market (4.24%).


Stability and Growth of Payments

Stable Dividend: ACNB's dividends per share have been stable in the past 10 years.

Growing Dividend: ACNB's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Earnings Coverage: With its reasonably low payout ratio (32.9%), ACNB's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.


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Management

How experienced are the management team and are they aligned to shareholders interests?

5.1yrs

Average management tenure


CEO

Jim Helt (54 yo)

5.08yrs

Tenure

US$695,578

Compensation

Mr. James P. Helt, also known as Jim, has been the Chief Executive Officer and President of ACNB Corporation since May 5, 2017. He serves as the President of ACNB Bank (the "Bank") since September 1, 2015...


CEO Compensation Analysis

Compensation vs Market: Jim's total compensation ($USD695.58K) is below average for companies of similar size in the US market ($USD1.69M).

Compensation vs Earnings: Jim's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: ACNB's management team is seasoned and experienced (5.1 years average tenure).


Board Members

Experienced Board: ACNB's board of directors are seasoned and experienced ( 10.1 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: ACNB insiders have sold more shares than they have bought in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

ACNB Corporation's employee growth, exchange listings and data sources


Key Information

  • Name: ACNB Corporation
  • Ticker: ACNB
  • Exchange: NasdaqCM
  • Founded: 1857
  • Industry: Regional Banks
  • Sector: Banks
  • Implied Market Cap: US$269.918m
  • Shares outstanding: 8.71m
  • Website: https://www.acnb.com

Number of Employees


Location

  • ACNB Corporation
  • 16 Lincoln Square
  • Gettysburg
  • Pennsylvania
  • 17325
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/27 00:00
End of Day Share Price2022/06/27 00:00
Earnings2022/03/31
Annual Earnings2021/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.