NasdaqCM:ACNB

Stock Analysis Report

Executive Summary

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

Snowflake

Fundamentals

Flawless balance sheet with proven track record and pays a dividend.

Risks

  • ACNB is not covered by any analysts.

Similar Companies

Share Price & News

How has ACNB's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-7.2%

NasdaqCM:ACNB

-1.8%

US Banks

-1.6%

US Market


1 Year Return

-7.8%

NasdaqCM:ACNB

-16.1%

US Banks

-3.0%

US Market

ACNB outperformed the Banks industry which returned -16.1% over the past year.

ACNB underperformed the Market in United States of America which returned -3% over the past year.


Share holder returns

ACNBIndustryMarket
7 Day-7.2%-1.8%-1.6%
30 Day-13.1%-10.1%-5.7%
90 Day-13.8%-5.0%0.2%
1 Year-5.4%-7.8%-13.7%-16.1%-0.8%-3.0%
3 Year30.2%20.0%37.9%28.5%38.1%29.1%
5 Year95.9%69.0%49.3%33.2%50.8%34.1%

Price Volatility Vs. Market

How volatile is ACNB's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is ACNB undervalued based on future cash flows and its price relative to the stock market?

9.68x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

ACNB's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

ACNB's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

ACNB is good value based on earnings compared to the US Banks industry average.

ACNB is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for ACNB, we can't assess if its growth is good value.


Price Based on Value of Assets

ACNB is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

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

0.06%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if ACNB is high growth as no revenue estimate data is available.

ACNB's earnings are expected to grow by 0.1% yearly, however this is not considered high growth (20% yearly).

Unable to compare ACNB's revenue growth to the United States of America market average as no estimate data is available.

ACNB's earnings growth is positive but not above the United States of America market average.

ACNB's earnings growth is positive but not above the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if ACNB will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has ACNB performed over the past 5 years?

17.2%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

ACNB's year on year earnings growth rate has been positive over the past 5 years.

ACNB's 1-year earnings growth exceeds its 5-year average (59.3% vs 17.2%)

ACNB's earnings growth has exceeded the US Banks industry average in the past year (59.3% vs 33.1%).


Return on Equity

ACNB has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

ACNB used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if ACNB improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

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


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

ACNB has an acceptable proportion of non-loan assets held.

ACNB has a sufficient allowance for bad loans.

ACNB's liabilities are made up of primarily low risk sources of funding.

ACNB's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at ACNB are broadly funded by customer deposits.

ACNB has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

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

3.08%

Current Dividend Yield


Upcoming Dividend Payment

Purchase ACNB before the 'Buy Limit' to receive their next dividend payment.


Dividend Yield and Payments Analysis

ACNB's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).

ACNB's dividend is below the markets top 25% of dividend payers in United States of America (3.93%).

Dividends per share have been stable in the past 10 years.

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (3.6x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of ACNB's salary, the management and board of directors tenure and is there insider trading?

10.8yrs

Average board tenure


CEO

James Helt (52yo)

2.3yrs

Tenure

US$557,782

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 since September 1, 2015 and serves as ...


CEO Compensation Analysis

James's remuneration is lower than average for companies of similar size in United States of America.

James's compensation has been consistent with company performance over the past year, both up more than 20%.


Board Age and Tenure

10.8yrs

Average Tenure

64yo

Average Age

The average tenure for the ACNB board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

More shares have been bought than sold by ACNB individual insiders in the past 3 months, but not in substantial volumes.


Recent Insider Transactions

BuyUS$25,84913 Aug 19
Donna Newell
EntityIndividual
Shares716
Max PriceUS$36.26
BuyUS$1,00020 Jun 19
Lynda Glass
EntityIndividual
Role
Senior Key Executive
Executive VP
Shares27.42
Max PriceUS$36.47
BuyUS$50020 Jun 19
Thomas Stone
EntityIndividual
Shares13.71
Max PriceUS$36.47
BuyUS$2,50020 Jun 19
James Helt
EntityIndividual
Role
Chief Executive Officer
President
Shares68.55
Max PriceUS$36.47
BuyUS$25020 Jun 19
Frank Elsner
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares6.85
Max PriceUS$36.47
BuyUS$18,73602 May 19
Frank Elsner
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares500
Max PriceUS$37.47
BuyUS$50021 Mar 19
Thomas Stone
EntityIndividual
Shares13.48
Max PriceUS$37.11
BuyUS$1,00021 Mar 19
Lynda Glass
EntityIndividual
Role
Senior Key Executive
Executive VP
Shares26.95
Max PriceUS$37.11
BuyUS$2,50021 Mar 19
James Helt
EntityIndividual
Role
Chief Executive Officer
President
Shares67.38
Max PriceUS$37.11
BuyUS$25021 Mar 19
Frank Elsner
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares6.74
Max PriceUS$37.11
SellUS$12,71027 Feb 19
Donald Seibel
EntityIndividual
Shares310
Max PriceUS$41.00
SellUS$483,67728 Dec 18
Donald Seibel
EntityIndividual
Shares12,700
Max PriceUS$39.50
BuyUS$50020 Dec 18
Thomas Stone
EntityIndividual
Shares13.77
Max PriceUS$36.31
BuyUS$1,00020 Dec 18
Lynda Glass
EntityIndividual
Role
Senior Key Executive
Executive VP
Shares27.54
Max PriceUS$36.31
BuyUS$2,50020 Dec 18
James Helt
EntityIndividual
Role
Chief Executive Officer
President
Shares68.86
Max PriceUS$36.31
BuyUS$25020 Dec 18
Frank Elsner
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares6.89
Max PriceUS$36.31
BuyUS$1,63313 Dec 18
David Sites
EntityIndividual
Role
Member of the Board of Directors
Director
Shares46
Max PriceUS$35.50
BuyUS$35,00007 Dec 18
David Sites
EntityIndividual
Role
Member of the Board of Directors
Director
Shares1,000
Max PriceUS$35.00
SellUS$32,86803 Dec 18
Scott Kelley
EntityIndividual
Role
Member of the Board of Directors
Director
Shares900
Max PriceUS$36.52
BuyUS$3,50728 Nov 18
Douglas Seibel
EntityIndividual
Shares95
Max PriceUS$36.92
BuyUS$38,20626 Sep 18
Tom Rasmussen
EntityIndividual
Shares1,000
Max PriceUS$38.21
BuyUS$50020 Sep 18
Thomas Stone
EntityIndividual
Shares12.7
Max PriceUS$39.38
BuyUS$2,50020 Sep 18
James Helt
EntityIndividual
Role
Chief Executive Officer
President
Shares63.49
Max PriceUS$39.38
BuyUS$1,00020 Sep 18
Lynda Glass
EntityIndividual
Role
Senior Key Executive
Executive VP
Shares25.4
Max PriceUS$39.38
BuyUS$2,25020 Sep 18
James Williams
EntityIndividual
Role
Member of the Board of Directors
Director
Shares57.14
Max PriceUS$39.38
BuyUS$4,50020 Sep 18
Alan Stock
EntityIndividual
Role
Vice Chairman
Vice Chairman of the Board
Shares114.29
Max PriceUS$39.38
BuyUS$4,50020 Sep 18
David Sites
EntityIndividual
Role
Member of the Board of Directors
Director
Shares114.29
Max PriceUS$39.38
BuyUS$2,25020 Sep 18
Donald Seibel
EntityIndividual
Shares57.14
Max PriceUS$39.38
BuyUS$2,25020 Sep 18
Marian Schultz
EntityIndividual
Role
Member of the Board of Directors
Director
Shares57.14
Max PriceUS$39.38
BuyUS$4,50020 Sep 18
Thomas Ritter
EntityIndividual
Role
Member of the Board of Directors
Director
Shares114.29
Max PriceUS$39.38
BuyUS$2,25020 Sep 18
Daniel Potts
EntityIndividual
Role
Member of the Board of Directors
Director
Shares57.14
Max PriceUS$39.38
BuyUS$4,50020 Sep 18
J. Patterson
EntityIndividual
Shares114.29
Max PriceUS$39.38
BuyUS$2,25020 Sep 18
Donna Newell
EntityIndividual
Shares57.14
Max PriceUS$39.38
BuyUS$2,25020 Sep 18
James Lott
EntityIndividual
Role
Member of the Board of Directors
Director
Shares57.14
Max PriceUS$39.38
BuyUS$2,25020 Sep 18
Scott Kelley
EntityIndividual
Role
Member of the Board of Directors
Director
Shares57.14
Max PriceUS$39.38
BuyUS$4,50020 Sep 18
Todd Herring
EntityIndividual
Shares114.29
Max PriceUS$39.38
BuyUS$2,50020 Sep 18
Frank Elsner
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares63.49
Max PriceUS$39.38
BuyUS$4,50020 Sep 18
Richard Alloway
EntityIndividual
Shares114.29
Max PriceUS$39.38

Ownership Breakdown


Management Team

  • Lynda Glass (58yo)

    Executive VP

    • Tenure: 0.0yrs
    • Compensation: US$416.50k
  • Dave Cathell (64yo)

    Executive VP

    • Tenure: 12.6yrs
    • Compensation: US$428.12k
  • James Helt (52yo)

    President

    • Tenure: 2.3yrs
    • Compensation: US$557.78k

Board Members

  • Marian Schultz (69yo)

    Director

    • Tenure: 27.6yrs
    • Compensation: US$41.42k
  • Thomas Ritter (67yo)

    Director

    • Tenure: 18.6yrs
    • Compensation: US$44.26k
  • Rusty Elsner (58yo)

    Chairman of the Board

    • Tenure: 6.3yrs
    • Compensation: US$86.04k
  • Daniel Potts (66yo)

    Director

    • Tenure: 15.3yrs
    • Compensation: US$57.18k
  • Alan Stock (61yo)

    Vice Chairman of the Board

    • Tenure: 6.3yrs
    • Compensation: US$53.81k
  • James Lott (56yo)

    Director

    • Tenure: 12.3yrs
    • Compensation: US$40.34k
  • James Williams (65yo)

    Director

    • Tenure: 12.3yrs
    • Compensation: US$44.41k
  • James Helt (52yo)

    President

    • Tenure: 2.3yrs
    • Compensation: US$557.78k
  • David Sites (63yo)

    Director

    • Tenure: 9.3yrs
    • Compensation: US$42.48k
  • Scott Kelley (67yo)

    Director

    • Tenure: 7.3yrs
    • Compensation: US$47.06k

Company Information

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


Key Information

  • Name: ACNB Corporation
  • Ticker: ACNB
  • Exchange: NasdaqCM
  • Founded: 1857
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$229.841m
  • Shares outstanding: 7.07m
  • Website: https://www.acnb.com

Number of Employees


Location

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

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
ACNBNasdaqCM (Nasdaq Capital Market)YesCommon StockUSUSDOct 1990

Biography

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, savin ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 23:30
End of Day Share Price2019/08/23 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.