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ACNB Corp (ACNB)
Price$51.36
Favorite Metrics
Price vs S&P 500 (26W)12.84%
Price vs S&P 500 (4W)2.90%
Market Capitalization$533.83M
P/E Ratio (Annual)14.41x
Indicated Dividend Yield (Annual)2.94%
All Metrics
P/CF (Annual)9.95x
Book Value / Share (Quarterly)$40.49
P/TBV (Annual)1.26x
Indicated Dividend (Annual)$1.36
Revenue Growth (3Y)7.76%
Cash Flow / Share (Quarterly)$5.07
Payout Ratio (TTM)29.49%
Price vs S&P 500 (YTD)2.79%
Net Profit Margin (TTM)33.22%
EPS (TTM)$3.55
10-Day Avg Trading Volume0.07M
EPS Excl Extra (TTM)$3.55
Revenue Growth (5Y)10.95%
EPS (Annual)$3.60
Dividend / Share (Annual)$1.52
ROI (Annual)8.05%
Net Profit Margin (5Y Avg)28.77%
Cash / Share (Quarterly)$2.67
P/E Basic Excl Extra (TTM)14.41x
Revenue Growth QoQ (YoY)3.64%
EPS Growth (5Y)10.97%
P/E Normalized (Annual)14.41x
ROA (Last FY)1.15%
Revenue Growth TTM (YoY)19.08%
EBITD / Share (TTM)$5.17
ROE (5Y Avg)11.11%
Operating Margin (TTM)42.10%
Cash Flow / Share (Annual)$5.07
P/B Ratio1.27x
P/B Ratio (Quarterly)1.20x
Net Income / Employee (Annual)$0
ROA (TTM)1.14%
EPS Growth QoQ (YoY)34.76%
EV / EBITDA (TTM)11.64x
EPS Incl Extra (Annual)$3.60
3-Month Avg Trading Volume0.04M
52-Week Price Return28.13%
EV / Free Cash Flow (Annual)11.77x
P/E Incl Extra (TTM)14.41x
Tangible BV / Share (Quarterly)$38.33
P/S Ratio (Annual)3.18x
52-Week High$53.89
Operating Margin (5Y Avg)35.83%
EPS Excl Extra (Annual)$3.60
CapEx CAGR (5Y)0.49%
Tangible BV CAGR (5Y)9.66%
26-Week Price Return21.59%
13-Week Price Return6.07%
Total Debt / Equity (Annual)0.10x
Enterprise Value$618.943
Revenue / Share Growth (5Y)5.73%
Book Value / Share Growth (5Y)6.43%
Revenue / Employee (Annual)$265,068
Pretax Margin (Annual)42.72%
Cash / Share (Annual)$4.71
3-Month Return Std Dev26.04%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)15.08%
EBITDA Interim CAGR (5Y)9.04%
ROE (Last FY)8.82%
EPS Basic Excl Extra (Annual)$3.60
P/FCF (TTM)10.02x
EV / Free Cash Flow (TTM)11.77x
Total Debt / Equity (Quarterly)0.20x
EPS Incl Extra (TTM)$3.55
ROI (TTM)8.01%
Dividend Growth Rate (5Y)6.68%
P/S Ratio (TTM)2.94x
Pretax Margin (5Y Avg)35.83%
Revenue / Share (Annual)$12.22
Tangible BV / Share (Annual)$38.33
Forward P/E10.05x
Free OCF CAGR (5Y)16.57%
Price vs S&P 500 (52W)-6.97%
P/E Ratio (TTM)14.41x
EPS Growth TTM (YoY)-5.07%
Year-to-Date Return6.93%
5-Day Price Return0.80%
EPS Normalized (Annual)$3.60
ROA (5Y Avg)1.24%
Net Profit Margin (Annual)33.97%
Month-to-Date Return8.00%
Cash Flow / Share (TTM)$4.85
EBITD / Share (Annual)$5.17
EPS Growth (3Y)-4.72%
Operating Margin (Annual)42.72%
LT Debt / Equity (Annual)0.05x
P/CF (TTM)9.95x
ROI (5Y Avg)9.74%
P/E Excl Extra (TTM)14.41x
LT Debt / Equity (Quarterly)0.05x
EPS Basic Excl Extra (TTM)$3.55
P/TBV (Quarterly)1.26x
Payout Ratio (Annual)38.82%
P/B Ratio (Annual)1.20x
Dividend / Share (TTM)$1.52
Pretax Margin (TTM)42.10%
Book Value / Share (Annual)$40.49
Price vs S&P 500 (13W)3.21%
Net Margin Growth (5Y)12.34%
Dividend Yield (TTM)2.69%
Beta0.90x
P/FCF (Annual)10.16x
Revenue / Share (TTM)$13.35
ROE (TTM)9.20%
52-Week Low$39.75
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.10
4.00
4.00
4.00
Industry Peers — State Banks(184)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
ACNBACNB Corp | 1.20x | 9.20% | 1.14% | — | $51.36 |
ITUBItau Unibanco Holding S.A. American Depositary Shares | 2.03x | 20.76% | 1.50% | — | $9.28 |
BNSBank of Nova Scotia | 1.45x | 10.41% | 0.62% | — | $76.78 |
BKBank of New York Mellon Corporation | 1.83x | 12.66% | 1.20% | — | $135.37 |
FITBFifth Third Bancorp | 1.23x | 8.86% | 0.93% | — | $50.98 |
FITBIFifth Third Bancorp Depositary Shares | 1.23x | 8.86% | 0.93% | — | $25.31 |
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M | 1.23x | 8.86% | 0.93% | — | $25.88 |
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K | 1.23x | 8.86% | 0.93% | — | $19.50 |
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A | 1.23x | 8.86% | 0.93% | — | $24.18 |
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | 1.04x | 9.84% | 0.81% | — | $4.19 |
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value) | 1.04x | 9.84% | 0.81% | — | $3.73 |
About
ACNB Corp is a diversified financial services company operating through two subsidiaries: ACNB Bank and ACNB Insurance Services. The banking segment, which generates the majority of revenue, provides retail and commercial banking, wealth management, trust services, and retail brokerage. The insurance segment offers comprehensive property and casualty, life, and health insurance products to both individual and commercial clients.