$48.00
▼ $-0.05
(-0.10%)
Vol 37K
11
Quality Score
ok
Deep Check
2/5
ok
Rev ✓
NI ✓
>IPO ✗
Mkt Cap
$502.1M
P/E
15.3
ROE
8.8%
Margin
33.2%
D/E
12.44
Beta
0.87
Div Yield
3.14%
52W
$36–$53
Wall Street Consensus
10 analysts · Apr 20262
Strong Buy
6
Buy
2
Hold
0
Sell
0
Strong Sell
80.0%
Buy Rating
Price Chart
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Earnings
Beat rate: 75.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $1.25 | $1.32 | +$0.07 |
| Sep 2025 | $1.20 | $1.45 | +$0.25 |
| Jun 2025 | $1.18 | $1.29 | +$0.11 |
| Mar 2025 | $0.95 | $0.76 | $-0.19 |
Quarterly Revenue & Earnings
| Quarter | 2024-0… | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|---|
| Revenue | — | $26.9M | $34.3M | $39.7M | $40.5M | $37.2M |
| Net Income | — | $6.6M | -$272K | $11.6M | $14.9M | $10.8M |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 7.2% | 7.2% | 7.2% | 8.8% | 8.8% | 8.8% |
| P/E (TTM) | 17.82 | 18.56 | 18.18 | 14.40 | 15.15 | 15.29 |
| Net Margin | — | 33.2% | 33.2% | 33.2% | 33.2% | 33.2% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 9.72 | 75.51 | 9.72 | 82.18 | 12.44 | 12.44 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
1.1%
P/S (TTM)
2.94
P/B
1.1
EPS (TTM)
$3.28
CF/Share
$4.85
Rev Growth 3Y
+7.8%
52W High
$53.41
52W Low
$35.70
$35.70
52-Week Range
$53.41
Financial Health
Free Cash Flow
$12.6M
Net Debt
$239.2M
Cash
$65.6M
Total Debt
$304.8M
As of Dec 31, 2025
How does ACNB compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
ACNB valuation vs Banking peers
P/E ratio
15.3
▲
22%
above
peers
(12.6)
vs Peers
vs Industry
Overvalued
P/S ratio
2.9
▲
27%
above
peers
(2.3)
vs Peers
vs Industry
Overvalued
P/B ratio
1.1
▲
7%
above
peers
(1.1)
vs Peers
vs Industry
Fair value
Div yield
3.1%
▲
5%
above
peers
(3.0%)
vs Peers
vs Industry
In line
ACNB profitability vs Banking peers
ROE
8.8%
▼
2%
below
peers
(9.0%)
vs Peers
vs Industry
In line
Net margin
33.2%
▲
16%
above
peers
(28.6%)
vs Peers
vs Industry
Below avg
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
1.1%
▲
14%
above
peers
(1.0%)
vs Peers
vs Industry
In line
ACNB financial health vs Banking peers
D/E ratio
12.4
▼
10%
below
peers
(13.8)
vs Peers
vs Industry
In line
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.9
▲
26%
above
peers
(0.7)
vs Peers
vs Industry
More volatile
ACNB fundamentals radar
ACNB
Peer median
Industry
ACNB profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
ACNB vs peers: key metrics
Related Signals
Insider Activity
NeutralBuys
0
Sells
0
ELSNER FRANK III
Director · Mar 13
5 shs
STOCK ALAN J
Chairman of the Board · Mar 13
296 shs
POTTS DANIEL W
Director · Mar 13
221 shs
LOTT JAMES J
Director · Mar 13
221 shs
NEWELL DONNA M
Director · Mar 13
296 shs
KELLEY SCOTT L
Director · Mar 13
221 shs
FULK BRETT D
Officer of Subsidiary Company · Mar 13
3239 shs
HELT JAMES P
Chief Executive Officer · Mar 13
8419 shs
ELSNER FRANK III
Director · Mar 13
221 shs
LAUB LAURIE A
Officer of Subsidiary Company · Mar 13
3277 shs
Last 90 days
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As of Dec 31, 2025
Dividends
$1.44
/ year
Feb 27, 2026
$0.3800
Dec 01, 2025
$0.3800
Aug 29, 2025
$0.3400
May 30, 2025
$0.3400
Feb 28, 2025
$0.3200
Nov 29, 2024
$0.3200
Aug 30, 2024
$0.3200
May 31, 2024
$0.3200
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