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ACNB

NAQ:ACNB · US0008681092
BanksSmall

360

45
Profit price56
Cash yield93
Price/Sales42
EV / Gross Profit27
Price/Book23
Returns on capital44
Profit margins—
Cash Conversion86
Accruals69
Owner Earnings Margin80
Sales growth60
Profit Growth31
Owner Earnings Growth96
Reinvestment47
Price momentum70
Debt load8
Debt serviceability69
Liquidity97
Analyst ratings60
Opinion Changes14
Price Target Upside24
Market mood45
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

ACNB generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQCM
Websiteacnb.com
ISINUS0008681092
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)
Themes
BankingFinanceFinancial Services

Description

ACNB Corporation operates as the financial holding company for ACNB Bank, providing banking and financial services to customers primarily in the southcentral Pennsylvania and northern Maryland regions of the United States. The company serves its mar…

Analysis

Middle-of-the-road

ACNB Corporation sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 10.1×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is sturdy. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
49
20232026

All-time high

57

Jan 2023

All-time low

18

Mar 2026

Average rank

41

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
42
—
—
44
Price/Earnings
52
—
—
46
Price/Book
23
—
—
30
Dividend Yield
93
—
—
53
Value (overall)
57
—
—
43

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →