Acnb Corporation Stock Analysis

ACNB Stock  USD 52.54  0.39  0.75%   
Below is the normalized historical share price chart for ACNB Corporation extending back to July 24, 1995. This chart has been adjusted for all splits and dividends and is plotted against all major global economic recessions. As of today, the current price of ACNB stands at 52.54, as last reported on the 11th of February 2026, with the highest price reaching 52.54 and the lowest price hitting 52.15 during the day.
IPO Date
2nd of January 1996
200 Day MA
45.3315
50 Day MA
49.8692
Beta
0.857
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
ACNB has over 329.02 Million in debt which may indicate that it relies heavily on debt financing. At present, ACNB's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting. The current year's Net Debt is expected to grow to about 345.5 M, whereas Short Term Debt is forecasted to decline to about 38.8 M. With a high degree of financial leverage come high-interest payments, which usually reduce ACNB's Earnings Per Share (EPS).

Asset vs Debt

Equity vs Debt

ACNB's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. ACNB's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps ACNB Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect ACNB's stakeholders.
For many companies, including ACNB, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for ACNB Corporation, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, ACNB's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book
1.3058
Price Sales
3.6999
Shares Float
10 M
Dividend Share
1.38
Wall Street Target Price
56.5
At present, ACNB's Total Stockholder Equity is projected to increase significantly based on the last few years of reporting. The current year's Liabilities And Stockholders Equity is expected to grow to about 3.4 B, whereas Common Stock Total Equity is forecasted to decline to about 16.9 M. . At present, ACNB's Price To Sales Ratio is projected to slightly decrease based on the last few years of reporting. The current year's Price Earnings Ratio is expected to grow to 14.22, whereas Price Earnings To Growth Ratio is projected to grow to (3.41).
ACNB Corporation is undervalued with Real Value of 59.02 and Target Price of 56.5. The main objective of ACNB stock analysis is to determine its intrinsic value, which is an estimate of what ACNB Corporation is worth, separate from its market price. There are two main types of ACNB's stock analysis: fundamental analysis and technical analysis.
The ACNB stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and ACNB's ongoing operational relationships across important fundamental and technical indicators.
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in ACNB Corporation. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in metropolitan statistical area.

ACNB Stock Analysis Notes

About 39.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.31. Some equities with similar Price to Book (P/B) outperform the market in the long run. ACNB last dividend was issued on the 27th of February 2026. The entity had 105:100 split on the 28th of November 2007. ACNB Corporation, a financial holding company, provides banking, insurance, and financial services to individual, business, and government customers in the United States. The company was founded in 1857 and is headquartered in Gettysburg, Pennsylvania. Acnb Corp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 7 people. For more info on ACNB Corporation please contact the company at 717 334 3161 or go to https://www.acnb.com.

ACNB Quarterly Total Revenue

46.04 Million

ACNB Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. ACNB's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding ACNB Corporation or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
On 15th of December 2025 ACNB paid $ 0.38 per share dividend to its current shareholders
Latest headline from finance.yahoo.com: Why ACNB is a Top Dividend Stock for Your Portfolio

ACNB Largest EPS Surprises

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.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2024-10-24
2024-09-300.950.84-0.1111 
2023-07-27
2023-06-301.021.140.1211 
2025-04-24
2025-03-310.930.79-0.1415 
View All Earnings Estimates

ACNB Environmental, Social, and Governance (ESG) Scores

ACNB's ESG score is a quantitative measure that evaluates ACNB's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of ACNB's operations that may have significant financial implications and affect ACNB's stock price as well as guide investors towards more socially responsible investments.

ACNB Stock Institutional Investors

Shares
Northern Trust Corp2025-06-30
98.2 K
Empowered Funds, Llc2025-06-30
49.1 K
Susquehanna International Group, Llp2025-06-30
38.4 K
Morgan Stanley - Brokerage Accounts2025-06-30
35.7 K
Charles Schwab Investment Management Inc2025-06-30
31 K
Bank Of New York Mellon Corp2025-06-30
29.2 K
Stifel Financial Corp2025-06-30
28 K
Kestra Advisory Services, Llc2025-06-30
24.3 K
Maltese Capital Management Llc2025-06-30
23.9 K
Blackrock Inc2025-06-30
609.6 K
Fmr Inc2025-06-30
604.5 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 Market Capitalization

The company currently falls under 'Small-Cap' category with a current market capitalization of 542.71 M.

ACNB Profitablity

The company has Profit Margin (PM) of 0.25 %, 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 0.42 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.42.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.03  0.03 
Return On Assets 0.01  0.01 
Return On Equity 0.09  0.12 

Management Efficiency

ACNB has return on total asset (ROA) of 0.0132 % which means that it generated a profit of $0.0132 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1025 %, meaning that it created $0.1025 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 Tangible Assets are projected to increase slightly based on the last few years of reporting. The current year's Return On Assets is expected to grow to 0.01, whereas Return On Capital Employed is forecasted to decline to 0.03. At present, ACNB's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Non Current Assets Total is expected to grow to about 2.8 B, whereas Non Currrent Assets Other are projected to grow to (115.6 M).
Last ReportedProjected for Next Year
Book Value Per Share 40.94  42.98 
Tangible Book Value Per Share 32.47  34.09 
Enterprise Value Over EBITDA 17.76  13.93 
Price Book Value Ratio 1.18  1.55 
Enterprise Value Multiple 17.76  13.93 
Price Fair Value 1.18  1.55 
Enterprise Value742.5 M779.7 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
0.0262
Operating Margin
0.4188
Profit Margin
0.2526
Forward Dividend Yield
0.029
Beta
0.857

Technical Drivers

As of the 11th of February 2026, ACNB shows the Downside Deviation of 1.37, coefficient of variation of 817.71, and Mean Deviation of 1.2. 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 Price Movement Analysis

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ACNB 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.

ACNB Outstanding 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.

ACNB Predictive Daily 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.

ACNB Corporate Filings

F5
10th of February 2026
The annual filing required by the Securities and Exchange Commission (SEC) from company insiders or beneficial owners
ViewVerify
F4
4th of February 2026
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
29th of January 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
27th of January 2026
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F5
23rd of January 2026
The annual filing required by the Securities and Exchange Commission (SEC) from company insiders or beneficial owners
ViewVerify
8K
22nd of January 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
5th of January 2026
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
17th of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify

ACNB Forecast Models

ACNB's time-series forecasting models are one of many ACNB's stock analysis techniques aimed at predicting 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 Bond Ratings

ACNB Corporation financial ratings play a critical role in determining how much ACNB have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for ACNB's borrowing costs.
Piotroski F Score
6
HealthyView
Beneish M Score
(3.47)
Unlikely ManipulatorView

ACNB Debt to Cash Allocation

As ACNB Corporation follows its natural business cycle, the capital allocation decisions will not magically go away. ACNB's decision-makers have to determine if most of the cash flows will be poured back into or reinvested in the business, reserved for other projects beyond operational needs, or paid back to stakeholders and investors.
ACNB Corporation currently holds 329.02 M in liabilities with Debt to Equity (D/E) ratio of 9.48, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about ACNB's use of debt, we should always consider it together with its cash and equity.

ACNB Total Assets Over Time

ACNB Assets Financed by Debt

The debt-to-assets ratio shows the degree to which ACNB uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

ACNB Debt Ratio

    
  12.0   
It appears most of the ACNB's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the ACNB's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of ACNB, which in turn will lower the firm's financial flexibility.

ACNB Corporate Bonds Issued

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.

ACNB Short Long Term Debt Total

Short Long Term Debt Total

345.47 Million

At present, ACNB's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting.

About ACNB Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how ACNB prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling ACNB shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as ACNB. By using and applying ACNB Stock analysis, traders can create a robust methodology for identifying ACNB entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.27  0.35 
Operating Profit Margin 0.27  0.35 
Net Profit Margin 0.22  0.25 
Gross Profit Margin 0.74  0.54 

Current ACNB Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. ACNB analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. ACNB analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceConsensus# of Analysts
56.5Strong Buy4Odds
ACNB Corporation current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most ACNB analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand ACNB stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of ACNB, talking to its executives and customers, or listening to ACNB conference calls.
ACNB Analyst Advice Details

ACNB Stock Analysis Indicators

ACNB Corporation stock analysis indicators help investors evaluate how ACNB stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading ACNB shares will generate the highest return on investment. By understating and applying ACNB stock analysis, traders can identify ACNB position entry and exit signals to maximize returns.
Begin Period Cash Flow66 M
Common Stock Shares Outstanding10.3 M
Total Stockholder Equity420 M
Total Cashflows From Investing Activities2.4 M
Quarterly Earnings Growth Y O Y0.35
Property Plant And Equipment Net34.8 M
Net Debt329 M
50 Day M A49.8692
Total Current Liabilities1.7 B
Other Operating Expenses123.9 M
Forward Price Earnings9.7466
Non Currrent Assets Other-121.7 M
Stock Based Compensation1.3 M

Complementary Tools for ACNB Stock analysis

When running ACNB's price analysis, check to measure ACNB's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy ACNB is operating at the current time. Most of ACNB's value examination focuses on studying past and present price action to predict the probability of ACNB's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move ACNB's price. Additionally, you may evaluate how the addition of ACNB to your portfolios can decrease your overall portfolio volatility.
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