ACNB (ACNB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

ACNB

NasdaqCM•Financial Services•Banks - Regional

$64.36-0.19(<0.01%)Market open

Market Cap

$656.53M

P/E

12.0x

P/S

3.3x

P/B

1.6x

ACNB Corporation, a financial holding company, offers 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, including home equity loans and lines of credit, automobile and recreational vehicle loans, manufactured housing loans, and personal lines of credit; and mortgage lending programs that include personal residential mortgages, residential construction loans, and investment mortgage loans. In addition, the company offers other services that are related to testamentary trusts, life insurance trusts, charitable, guardianships, powers of attorney, custodial accounts, investment management and advisory accounts, wealth management, and retail brokerage and services. Further, the company offers property and casualty, health, life, and disability insurance products to commercial and personal clients; online, telephone, and mobile banking; as well as automated teller machine services. ACNB Corporation was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.

How this company scores

ExcellentMetricSide Score: 83/100

Strongest: Profitability (23/25); weakest: Balance Sheet & Red Flags (15/25).

Profitability23/25

Growth22/25

Balance Sheet & Red Flags15/25

Cash & Earnings Quality23/25

Strengths

Growing revenueRising free cash flowStrong marginsRising earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.0x5y range 7.1x – 17.8x

Currently near its 20-quarter median.

P/S · 3.3x5y range 2.3x – 3.3x

Currently above its 20-quarter median.

P/B · 1.6x5y range 0.9x – 1.6x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Cash Burn

Watch

FCF turned negative in 2 of the last 8 quarters — occasional cash consumption.

Price & Volume

Market Cap $656.53M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $201.10M
Q. Revenue: $52.50M
TTM EBITDA: $72.95M
TTM Op. Income: $68.60M
Q. Op. Income: $19.25M
TTM Net Income: $54.59M
Q. Net Income: $15.21M
EPS: $1.5
Shares Out.: $10.17M

$201.10M in TTM revenue grew 24.9% YoY, reaching $52.50M last quarter. TTM EBITDA of $72.95M and TTM operating income of $68.60M show growth is flowing through to the bottom line. TTM net income of $54.59M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 81.6%
EBITDA Margin: 38.6%
Op. Margin: 36.7%
Net Margin: 29.0%

Op. margin of 36.7% is up 7.0% YoY — cost efficiency is improving. Net margin at 29.0% and gross margin of 81.6% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.0x
P/S Ratio: 3.3x
P/B Ratio: 1.6x

At 12.0x P/E, the stock trades below typical market levels. P/S of 3.3x and P/B of 1.6x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 32% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $3.32B
Cash: $81.83M
Long-Term Debt: $214.88M
Book Value: $423.28M
D/E Ratio: 0.5
Debt/EBITDA: 10.6

With $3.32B in assets and $214.88M in long-term debt, D/E is 0.5and book value is $423.28M — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 21% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $-3.45M
TTM Free Cash Flow: $55.37M
FCF Margin: 27.5%
FCF / Net Income: 1.0

TTM FCF of $55.37M on $-3.45M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 54% — a weakening trend.