ACNB Corporation, a financial holding company, provides banking, insurance, and financial services to individual, business, and government customers in the United States.
Flawless balance sheet average dividend payer.
Share Price & News
How has ACNB's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: ACNB has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: ACNB underperformed the US Banks industry which returned 12.1% over the past year.
Return vs Market: ACNB underperformed the US Market which returned 20.1% over the past year.
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
4 days ago | Simply Wall StHave ACNB Corporation (NASDAQ:ACNB) Insiders Been Selling Their Stock?
2 weeks ago | Simply Wall StIs ACNB Corporation's (NASDAQ:ACNB) CEO Being Overpaid?
1 month ago | Simply Wall StWhy ACNB Corporation (NASDAQ:ACNB) Is A Dividend Rockstar
Is ACNB undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: ACNB ($34.61) is trading below our estimate of fair value ($36.41)
Significantly Below Fair Value: ACNB is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: ACNB is good value based on its PE Ratio (10.3x) compared to the Banks industry average (12.6x).
PE vs Market: ACNB is good value based on its PE Ratio (10.3x) compared to the US market (18.4x).
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 is overvalued based on its PB Ratio (1.3x) compared to the US Banks industry average (1.2x).
How is ACNB forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ACNB has high quality earnings.
Growing Profit Margin: ACNB's current net profit margins (30.8%) are higher than last year (30.5%).
Past Earnings Growth Analysis
Earnings Trend: ACNB's earnings have grown significantly by 20.5% per year over the past 5 years.
Accelerating Growth: ACNB's earnings growth over the past year (9.1%) is below its 5-year average (20.5% per year).
Earnings vs Industry: ACNB earnings growth over the past year (9.1%) underperformed the Banks industry 12.1%.
Return on Equity
High ROE: ACNB's Return on Equity (12.5%) is considered low.
Return on Assets
Return on Capital Employed
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
Inventory Level: ACNB has a low level of unsold assets or inventory.
Debt Coverage by Assets: ACNB's debt is covered by short term assets (assets are 1.3x debt).
Financial Institutions Analysis
Asset Level: ACNB's level of assets compared to its equity is low.
Allowance for Bad Loans: ACNB has a sufficient allowance for bad loans.
Low Risk Liabilities: ACNB's liabilities are made up of primarily low risk sources of funding.
Loan Level: ACNB has an acceptable proportion of non-loan assets held.
Low Risk Deposits: ACNB's loans are broadly funded by customer deposits.
Level of Bad Loans: ACNB has an appropriate level of bad loans (0.38%)
What is ACNB's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Upcoming Dividend Payment
Purchase ACNB before the 'Buy Limit' to receive their next dividend payment.
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: ACNB's dividend (2.89%) is higher than the bottom 25% of dividend payers in the US market (1.44%).
High Dividend: ACNB's dividend (2.89%) is low compared to the top 25% of dividend payers in the US market (3.69%).
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
Dividend Coverage: With its reasonably low payout ratio (29.2%), 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 and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
James Helt (52yo)
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: James's total compensation ($USD557.78K) is below average for companies of similar size in the US market ($USD1.68M).
Compensation vs Earnings: James's compensation has increased by more than 20% in the past year.
|Independent Director||28.1yrs||US$41.42k||0.10% $314.8k|
|Chairman of the Board||6.8yrs||US$86.04k||0.23% $701.1k|
|Independent Director||15.8yrs||US$57.18k||0.047% $140.1k|
|Vice Chairman of the Board||6.8yrs||US$53.81k||0.94% $2.8m|
|Independent Director||12.8yrs||US$40.34k||0.12% $358.5k|
|Independent Director||12.8yrs||US$44.41k||0.12% $346.6k|
|Independent Director||9.8yrs||US$42.48k||0.35% $1.0m|
|Independent Director||7.8yrs||US$47.06k||0.19% $563.6k|
Experienced Board: ACNB's board of directors are seasoned and experienced ( 11.3 years average tenure).
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
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
ACNB Corporation's company bio, employee growth, exchange listings and data sources
- Name: ACNB Corporation
- Ticker: ACNB
- Exchange: NasdaqCM
- Founded: 1857
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$300.393m
- Shares outstanding: 8.68m
- Website: https://www.acnb.com
Number of Employees
- ACNB Corporation
- 16 Lincoln Square
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|ACNB||NasdaqCM (Nasdaq Capital Market)||Yes||Common Stock||US||USD||Oct 1990|
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 comprising home equity loans and lines of credit, automobile and recreational vehicle loans, manufactured housing loans, and personal lines of credit; and mortgage lending programs consisting of personal residential mortgages, and residential construction and investment mortgage loans. In addition, the company provides estate settlement services; other services that are related to testamentary trusts, life insurance trusts, charitable remainder trusts, guardianships, powers of attorney, custodial accounts, and investment management and advisory accounts; and retail brokerage services. Further, it acts as a trustee to invest in, protect, manage, and distribute financial assets. Additionally, the company offers property and casualty, life, and health insurance products to commercial and individual clients; and online, telephone, and mobile banking, as well as automated teller machine services. ACNB Corporation operates through a network of 22 community banking offices located in Adams, Cumberland, Franklin, and York counties, southcentral Pennsylvania; 7 community banking offices located in Carroll county, Maryland; and loan production offices located in York, York County, Pennsylvania, as well as in Hunt Valley, Baltimore County, Maryland. The company was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/16 23:30|
|End of Day Share Price||2020/02/14 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.