ACNB Corporation (ACNB) AI Stock Analysis

Founded in 1857 and headquartered in Gettysburg, Pennsylvania, ACNB Corporation operates as a financial holding company providing financial services across the United States. Its banking segment serves individual, business, and government clients with deposit products like checking, savings, money market, and time deposits, alongside lending solutions including commercial mortgages, consumer loans, and mortgage lending programs. The company also offers property and casualty, health, life, and disability insurance for commercial and individual clients. Furthermore, ACNB delivers investment management and advisory solutions covering trust services, estate planning, custodial accounts, and retail brokerage, complemented by digital banking platforms and ATM access.

ACNB Corporation grew annual revenue from $100.9M in FY2021 to $170.4M in FY2025, delivering a 5-year revenue CAGR of 10.1%. Revenue expansion was strong in FY2025 at 28.9%, following a 15.2% increase in FY2024 to $132.2M. Net income reached $37.1M in FY2025 with an EPS of $4.83, compared to $27.8M and an EPS of $3.20 in FY2021. However, gross margin contracted from 93.1% in FY2021 to 73.7% in FY2025, and operating margin declined from 34.7% to 27.3% over the same timeframe. Over the trailing twelve months, revenue was $161.0M with an EPS of $5.27. For the latest quarter ended June 30, 2026, quarterly revenue rose 5.3% year-over-year, while quarterly earnings expanded by 34.2%.

As of June 30, 2026, ACNB Corporation reported total assets of $3.32B, cash and short-term investments of $28.0M, and total debt of $327.4M, resulting in net debt of $299.4M. Shareholders' equity stood at $423.3M, reflecting a debt-to-equity ratio of 0.77 and a current ratio of 0.26. In FY2025, the company generated $53.6M in operating cash flow and $52.6M in free cash flow. Capital expenditures were $1.1M, while capital returned to shareholders included $11.2M in share buybacks and $14.4M in dividends paid. Its share count increased 18.1% over the past 5 years.

ACNB trades at a trailing P/E of 12.0x and a forward P/E of 9.7x, compared to medians of 12.1x and 10.8x for the US-listed Financial Services peer group. The stock has a price-to-sales multiple of 4.0x and a price-to-book multiple of 1.5x, compared to peer group medians of 3.2x for price-to-sales and an EV/EBITDA of 11.7x. Over the past year, ACNB delivered a total return of 53.3%, outperforming the S&P 500 (SPY) return of 16.8%. Over a 5-year period, its return of 169.9% also exceeded the S&P 500 return of 83.0%.

ACNB pays a quarterly dividend with an annualized forward rate of $1.60 per share, representing a 2.52% dividend yield. The company has paid dividends for 32 consecutive years and generated a 5-year annualized dividend growth rate of 6.7%. The payout ratio stands at 37.6%, and the last ex-dividend date was September 1, 2026.

Four analysts follow ACNB, with ratings consisting of 1 Strong Buy, 1 Buy, and 2 Holds. The mean price target is $67.67, representing a 6.8% premium to the last closing price of $63.34 on October 16, 2026. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $169.4M and EPS of $5.66, representing an 11.2% EPS increase. For the following fiscal year, analysts forecast revenue of $174.3M and EPS of $5.69. ACNB has beaten EPS expectations in all 4 of the last 4 quarters, with the next earnings release scheduled for October 22, 2026.

This page is an AI-written research summary of ACNB Corporation (ACNB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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