Is ACNB Stock a Good Investment?

ACNB Investment Advice

ACNB

To provide specific investment advice or recommendations on ACNB Corporation stock, we recommend investors consider the following general factors when evaluating ACNB Corporation. This will help you to make an informed decision on whether to include ACNB in one of your diversified portfolios:

Examine ACNB's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
Research ACNB's leadership team and their track record. Good management can help ACNB navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
Consider the overall health of the Regional Banks space and any emerging trends that could impact ACNB's business and its evolving consumer preferences.
Compare ACNB's performance and market position to its competitors. Analyze how ACNB is positioned in terms of product offerings, innovation, and market share.
Check if ACNB pays a dividend and its dividend yield and payout ratio.
Review what financial analysts are saying about ACNB's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.

It's important to note that investing in ACNB Corporation stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if ACNB Corporation is a good investment.

Sell

Buy

Strong Hold

Our investment recommendation tool can be used to complement ACNB trade advice provided by experts. It analyzes the company's potential to grow against your specific risk preferences and investment horizon. To make sure ACNB is not overpriced, please confirm all ACNB fundamentals, including its shares owned by institutions, gross profit, debt to equity, as well as the relationship between the price to book and cash and equivalents . Given that ACNB has a number of shares shorted of 216.81 K, we suggest you to validate ACNB Corporation market performance and probability of bankruptcy to ensure the company can sustain itself in the future given your prevailing risk tolerance and investing horizon.

Market Performance	OK	Details
Volatility	Very steady	Details
Hype Condition	Under hyped	Details
Current Valuation	Overvalued	Details
Odds Of Distress	Low	Details
Economic Sensitivity	Hyperactively responds to market trends	Details
Investor Sentiment	Interested	Details
Analyst Consensus	Buy	Details
Financial Strenth (F Score)	Poor	Details
Financial Leverage	Not Rated	Details
Reporting Quality (M-Score)	Unlikely Manipulator	Details

Examine ACNB Stock

Researching ACNB's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 36.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.33. Some equities with similar Price to Book (P/B) outperform the market in the long run. ACNB last dividend was issued on the 29th of November 2024. The entity had 105:100 split on the 28th of November 2007.

To determine if ACNB is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding ACNB's research are outlined below:

	ACNB has a poor financial position based on the latest SEC disclosures
	Latest headline from thelincolnianonline.com: ACNB Earns Buy Rating from Analysts at Janney Montgomery Scott

ACNB Quarterly Gross Profit

27.24 Million

ACNB uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in ACNB Corporation. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to ACNB's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.

	25th of April 2024 Upcoming Quarterly Report	View
	25th of July 2024 Next Financial Report	View
	31st of March 2024 Next Fiscal Quarter End	View
	23rd of January 2025 Next Fiscal Year End	View
	31st of December 2023 Last Quarter Report	View
	31st of December 2023 Last Financial Announcement	View

Earnings surprises can significantly impact ACNB's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises ACNB's investors have experienced.

Reported	Fiscal Date	Estimated EPS	Reported EPS	Surprise
2024-01-25	2023-12-31	0.94	0.48	-0.46		48
2024-07-24	2024-06-30	0.84	1.32	0.48		57

Know ACNB's Top Institutional Investors

Have you ever been surprised when a price of an equity instrument such as ACNB is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading ACNB Corporation backward and forwards among themselves. ACNB's institutional investor refers to the entity that pools money to purchase ACNB's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.

		Shares
Empowered Funds, Llc	2024-06-30	45 K
Bank Of New York Mellon Corp	2024-06-30	30.5 K
Amvescap Plc.	2024-06-30	29.2 K
Stifel Financial Corp	2024-06-30	28.2 K
Advisor Group Holdings, Inc.	2024-06-30	27.3 K
Lsv Asset Management	2024-09-30	25.1 K
Charles Schwab Investment Management Inc	2024-09-30	23.3 K
Assenagon Asset Management Sa	2024-09-30	19.1 K
Renaissance Technologies Corp	2024-09-30	18.4 K
Fmr Inc	2024-09-30	570.7 K
Blackrock Inc	2024-06-30	497.5 K

Note, although ACNB's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

ACNB's market capitalization trends

The company currently falls under 'Small-Cap' category with a current market capitalization of 407.09 M.

Market Cap

401.42 Million

ACNB's profitablity analysis

	Last Reported	Projected for Next Year
Return On Tangible Assets	0.01	0.01
Return On Capital Employed	0.02	0.03
Return On Assets	0.01	0.01
Return On Equity	0.11	0.12

The company has Profit Margin (PM) of 0.28 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.41 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.41.

Determining ACNB's profitability involves analyzing its financial statements and using various financial metrics to determine if ACNB is a good buy. For example, gross profit margin measures ACNB's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of ACNB's profitability and make more informed investment decisions.

Please note, the presentation of ACNB's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, ACNB's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of ACNB's management manipulating its earnings.

Evaluate ACNB's management efficiency

ACNB has return on total asset (ROA) of 0.0122 % which means that it generated a profit of $0.0122 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1044 %, meaning that it created $0.1044 on every $100 dollars invested by stockholders. ACNB's management efficiency ratios could be used to measure how well ACNB manages its routine affairs as well as how well it operates its assets and liabilities. At present, ACNB's Return On Capital Employed is projected to slightly decrease based on the last few years of reporting. The current year's Return On Equity is expected to grow to 0.12, whereas Return On Tangible Assets are forecasted to decline to 0.01. At present, ACNB's Non Current Assets Total are projected to increase significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 1.8 B, whereas Total Assets are forecasted to decline to about 1.3 B.

	Last Reported	Projected for Next Year
Book Value Per Share	32.48	27.76
Tangible Book Value Per Share	26.25	26.55
Enterprise Value Over EBITDA	4.70	6.31
Price Book Value Ratio	1.38	1.58
Enterprise Value Multiple	4.70	6.31
Price Fair Value	1.38	1.58
Enterprise Value	571.1 M	599.7 M

Leadership effectiveness at ACNB Corporation is a strong indicator of its financial stability. We analyze various metrics to provide insights into the stock's investment viability.

Dividend Yield

0.0269

Forward Dividend Yield

0.0269

Forward Dividend Rate

1.28

Beta

0.595

Basic technical analysis of ACNB Stock

As of the 22nd of November, ACNB shows the Coefficient Of Variation of 889.88, mean deviation of 1.86, and Downside Deviation of 2.31. ACNB technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the entity's future prices.

ACNB's insider trading activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific ACNB insiders, such as employees or executives, is commonly permitted as long as it does not rely on ACNB's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases ACNB insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

		Newell Donna M few days ago Acquisition by Newell Donna M of 1 shares of ACNB at 35.28 subject to Rule 16b-3
		Newell Donna M over three weeks ago Acquisition by Newell Donna M of 143 shares of ACNB at 33.1 subject to Rule 16b-3
		Chaney Kimberly S over a month ago Acquisition by Chaney Kimberly S of 109 shares of ACNB at 33.1 subject to Rule 16b-3
		James Helt over two months ago Acquisition by James Helt of tradable shares of ACNB at 35.28 subject to Rule 16b-3
		Brett Fulk over two months ago Disposition of 2897 shares by Brett Fulk of ACNB at .0634 subject to Rule 16b-3
		Brett Fulk over three months ago Disposition of 2897 shares by Brett Fulk of ACNB at .0634 subject to Rule 16b-3
		Potts Daniel W over three months ago Disposition of 500 shares by Potts Daniel W of ACNB at 40.3489 subject to Rule 16b-3
		Seibel Donald Arthur Jr over three months ago Acquisition by Seibel Donald Arthur Jr of 148 shares of ACNB at 30.715 subject to Rule 16b-3
		Alan Stock over six months ago Acquisition by Alan Stock of 600 shares of ACNB at 30.25 subject to Rule 16b-3
		Weber Jason H over six months ago ACNB exotic insider transaction detected
		Weber Jason H over six months ago Payment of 447 shares by Weber Jason H of ACNB subject to Rule 16b-3
		James Williams over a year ago Acquisition by James Williams of tradable shares of ACNB subject to Rule 16b-3

ACNB's Outstanding Corporate Bonds

ACNB issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. ACNB uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most ACNB bonds can be classified according to their maturity, which is the date when ACNB Corporation has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

	Boeing Co 2196 Corp Bond US097023DG73	View
	HSBC Holdings PLC Corp Bond US404280DR76	View
	ABNANV 3324 13 MAR 37 Corp Bond US00084DAV29	View
	ABNANV 1542 16 JUN 27 Corp Bond US00084DAU46	View
	ABNANV 247 13 DEC 29 Corp Bond US00084DAW02	View
	ABNANV 48 18 APR 26 Corp Bond US00084DAL47	View
	ABNANV 475 28 JUL 25 Corp Bond US00080QAF28	View
	US00081TAK43 Corp Bond US00081TAK43	View

View All ACNB Corporate Bonds

Understand ACNB's technical and predictive indicators

Using predictive indicators to make investment decisions involves analyzing ACNB's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.

	Risk Adjusted Performance	0.0932
	Market Risk Adjusted Performance	0.1369
	Mean Deviation	1.86
	Semi Deviation	2.05
	Downside Deviation	2.31
	Coefficient Of Variation	889.88
	Standard Deviation	3.05
	Variance	9.31
	Information Ratio	0.0765
	Jensen Alpha	0.0719
	Total Risk Alpha	(0.07)
	Sortino Ratio	0.101
	Treynor Ratio	0.1269
	Maximum Drawdown	24.97
	Value At Risk	(2.90)
	Potential Upside	3.61
	Downside Variance	5.33
	Semi Variance	4.2
	Expected Short fall	(2.07)
	Skewness	2.56
	Kurtosis	15.04

	Risk Adjusted Performance	0.0932
	Market Risk Adjusted Performance	0.1369
	Mean Deviation	1.86
	Semi Deviation	2.05
	Downside Deviation	2.31
	Coefficient Of Variation	889.88
	Standard Deviation	3.05
	Variance	9.31
	Information Ratio	0.0765
	Jensen Alpha	0.0719
	Total Risk Alpha	(0.07)
	Sortino Ratio	0.101
	Treynor Ratio	0.1269
	Maximum Drawdown	24.97
	Value At Risk	(2.90)
	Potential Upside	3.61
	Downside Variance	5.33
	Semi Variance	4.2
	Expected Short fall	(2.07)
	Skewness	2.56
	Kurtosis	15.04

Consider ACNB's intraday indicators

ACNB intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of ACNB stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

	Accumulation Distribution	0.0304
	Daily Balance Of Power	0.3061
	Rate Of Daily Change	1.01
	Day Median Price	47.67
	Day Typical Price	47.65
	Market Facilitation Index	1.47
	Price Action Indicator	0.18
	Period Momentum Indicator	0.45
	Relative Strength Index	58.03

ACNB Corporate Filings

13A	12th of November 2024 An amended filing to the original Schedule 13G	View Verify
10Q	7th of November 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations	View Verify
8K	5th of November 2024 Report filed with the SEC to announce major events that shareholders should know about	View Verify
13A	4th of November 2024 The form used by investors holding more than 5% of a company's stock, to report their beneficial ownership pursuant to Rule 13d-1 or Rule 13d-2 under the Securities Exchange Act of 1934	View Verify

ACNB time-series forecasting models is one of many ACNB's stock analysis techniques aimed to predict future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary ACNB's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

ACNB Stock media impact

Far too much social signal, news, headlines, and media speculation about ACNB that are available to investors today. That information is available publicly through ACNB media outlets and privately through word of mouth or via ACNB internal channels. However, regardless of the origin, that massive amount of ACNB data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.

A primary focus of ACNB news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of ACNB relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to ACNB's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive ACNB alpha.

ACNB Sentiment by Major News Outlets

Investor sentiment, mood or attitude towards ACNB can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.

Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.

ACNB Corporate Management

James Helt	Executive VP of Banking Services of ACNB Bank	Profile
Lynda Glass	Chief Governance Officer, Executive VP and Secretary	Profile
Kevin Esq	General VP	Profile
Brett Fulk	Executive Officer	Profile
Douglas Seibel	Executive Bank	Profile
CFA CPA	CFO VP	Profile

Already Invested in ACNB Corporation?

The danger of trading ACNB Corporation is mainly related to its market volatility and Company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of ACNB is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than ACNB. The Sharpe ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile ACNB is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.

When determining whether ACNB offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of ACNB's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Acnb Corporation Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Acnb Corporation Stock: