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.
No risks detected for ACNB from our risk checks.
Price History & Performance
|Historical stock prices|
|Current Share Price||US$31.71|
|52 Week High||US$36.04|
|52 Week Low||US$27.00|
|1 Month Change||-9.48%|
|3 Month Change||-1.83%|
|1 Year Change||10.41%|
|3 Year Change||-15.89%|
|5 Year Change||10.87%|
|Change since IPO||268.00%|
Recent News & Updates
|ACNB||US Banks||US Market|
Return vs Industry: ACNB exceeded the US Banks industry which returned -19.9% over the past year.
Return vs Market: ACNB exceeded the US Market which returned -12.9% over the past year.
|ACNB Average Weekly Movement||2.0%|
|Banks Industry Average Movement||4.0%|
|Market Average Movement||7.8%|
|10% most volatile stocks in US Market||16.8%|
|10% least volatile stocks in US Market||2.9%|
Stable Share Price: ACNB is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 2% a week.
Volatility Over Time: ACNB's weekly volatility (2%) has been stable over the past year.
About the Company
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
|ACNB fundamental statistics|
Is ACNB overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|ACNB income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||3.10|
|Net Profit Margin||29.21%|
How did ACNB perform over the long term?See historical performance and comparison
3.3%Current Dividend Yield
Does ACNB pay a reliable dividends?See ACNB dividend history and benchmarks
|ACNB dividend dates|
|Ex Dividend Date||May 31 2022|
|Dividend Pay Date||Jun 15 2022|
|Days until Ex dividend||8 days|
|Days until Dividend pay date||23 days|
Does ACNB pay a reliable dividends?See ACNB dividend history and benchmarks
Is ACNB undervalued compared to its fair value and its price relative to the market?
Valuation Score 3/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: ACNB ($31.71) is trading below our estimate of fair value ($63.66)
Significantly Below Fair Value: ACNB is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: ACNB is poor value based on its PE Ratio (10.2x) compared to the US Banks industry average (9.7x).
PE vs Market: ACNB is good value based on its PE Ratio (10.2x) compared to the US market (15.3x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate ACNB's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: ACNB's PB Ratio (1.1x) is in line with the US Banks industry average.
How is ACNB forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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.
How has ACNB performed over the past 5 years?
Past Performance Score2/6
Past Performance Score 2/6
Growing Profit Margin
Earnings vs Industry
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 (20.9%).
Return on Equity
High ROE: ACNB's Return on Equity (10.5%) is considered low.
How is ACNB's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
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%).
What is ACNB current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Future Dividend Coverage
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: ACNB's dividend (3.28%) is higher than the bottom 25% of dividend payers in the US market (1.58%).
High Dividend: ACNB's dividend (3.28%) is low compared to the top 25% of dividend payers in the US market (4.11%).
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.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Jim Helt (54 yo)
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 ($USD1.68M).
Compensation vs Earnings: Jim's compensation has been consistent with company performance over the past year.
Experienced Management: ACNB's management team is seasoned and experienced (10.2 years average tenure).
Experienced Board: ACNB's board of directors are seasoned and experienced ( 10 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: ACNB insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
ACNB Corporation's employee growth, exchange listings and data sources
- Name: ACNB Corporation
- Ticker: ACNB
- Exchange: NasdaqCM
- Founded: 1857
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$276.100m
- Shares outstanding: 8.71m
- Website: https://www.acnb.com
Number of Employees
- ACNB Corporation
- 16 Lincoln Square
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/21 00:00|
|End of Day Share Price||2022/05/20 00:00|
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.