ACNB Balance Sheet Health
Financial Health criteria checks 6/6
ACNB has total assets of $2.4B and total equity of $306.8M. Total deposits are $1.8B, and total loans are $1.7B. It earns a Net Interest Margin of 4.1%. It has sufficient allowance for bad loans, which are currently at 0.4% of total loans. Cash and short-term investments are $58.1M.
Key information
7.9x
Asset to equity ratio
4.1%
Net interest margin
| Total deposits | US$1.79b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.4% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$58.09m |
Recent financial health updates
No updates
Recent updates
ACNB (NASDAQ:ACNB) Is Increasing Its Dividend To $0.32
May 01
Here's Why We Think ACNB (NASDAQ:ACNB) Is Well Worth Watching
Jan 23ACNB: Trading At 2 Times TBVPS Thanks To Very Strong Loan Book
Jan 17ACNB's (NASDAQ:ACNB) Shareholders Will Receive A Bigger Dividend Than Last Year
Nov 23ACNB (NASDAQ:ACNB) Will Pay A Larger Dividend Than Last Year At $0.30
Oct 24Do ACNB's (NASDAQ:ACNB) Earnings Warrant Your Attention?
May 05ACNB's (NASDAQ:ACNB) Shareholders Will Receive A Bigger Dividend Than Last Year
Nov 04ACNB GAAP EPS of $0.99, revenue of $25.88M
Jul 29ACNB declares $0.26 dividend
Jul 21ACNB: Strong Growth; Low Valuation
Feb 05ACNB Corp: The Safest Dividend Is The One That Has Just Been Hiked
Nov 18ACNB Corporation: Good Value, Solid Dividend Yield
Sep 04ACNB (NASDAQ:ACNB) Will Pay A Dividend Of US$0.25
Jul 25Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: ACNB's Assets to Equity ratio (7.9x) is low.
Allowance for Bad Loans: ACNB has a sufficient allowance for bad loans (262%).
Low Risk Liabilities: 85% 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 (69%).
Low Risk Deposits: ACNB's Loans to Deposits ratio (93%) is appropriate.
Level of Bad Loans: ACNB has an appropriate level of bad loans (0.4%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/24 07:23 |
| End of Day Share Price | 2024/12/24 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
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.
Analysis Model and Snowflake
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Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
ACNB Corporation is covered by 3 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| David Bishop | Hovde Group, LLC |
| Daniel Cardenas | Janney Montgomery Scott LLC |
| Justin Crowley | Piper Sandler Companies |