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ACNB Corporation

ACNB Financial Banks Regional

ACNB Corporation’s revenue for fiscal 2025 (year ended December 2025) was $191.8 million, up 45.1% from fiscal 2024. In the quarter to June 2026, revenue grew 4.47%, EPS grew 35.1%, free cash flow fell 125.1% and total debt fell 15.8%, each against the same quarter a year earlier. Revenue growth for three consecutive years; insiders bought in the last twelve months.

63.24 0.06 +0.09%
Market cap
$642.5M
P/E
12.0×
Fwd P/E
10.1×
Dividend yield
1.87%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.02
Total sells 0.61
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy 1 1 — — 1 — — — — — 1 —
Sell — 2 1 1 — — — — — 1 — —
Insider Ownership 4.04%

Capital & Financial Ratios $m

Market Cap 642.53
Revenue 201.10
Net Income 54.59
Free Cash Flow 58.82
Net Debt 133.05
Current Ratio 0.94
Debt/Equity 0.51
P/E ratio 11.95
Fwd P/E 10.10
P/S ratio 3.20
P/B ratio 1.52
Past 5Y EPS Growth 11.07%
This Y EPS Growth 11.17%
Next Y EPS Growth 0.56%
Next Y revenue growth (11.69%) (below 0%: weak)
Next 5Y EPS Growth 11.52%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 55.07%
10-year low 10-year high
P/S against its own 10 years 80.94%
10-year low 10-year high
P/B against its own 10 years 88.50%
10-year low 10-year high

Dividends

Payout Ratio 0.22
Annual Dividend Rate 1.18
Annual Dividend Yield 1.87%
total individual payouts
2027 Powerpack
2026 2.14
0.38
0.50
0.42
2025 1.38
0.32
0.34
0.34
0.38
2024 1.26
0.30
0.32
0.32
0.32
2023 1.14
0.28
0.28
0.28
0.30
2022 1.06
0.26
0.26
0.26
0.28
2021 1.01
0.25
0.25
0.25
0.26
2020 1.00
0.25
0.25
0.25
0.25
2019 0.98
0.23
0.25
0.25
0.25
2018 0.89
0.20
0.23
0.23
0.23
2017 0.80
0.20
0.20
0.20
0.20
2016 0.80
0.20
0.20
0.20
0.20
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 66 47 66 82
Receivables — — — —
Inventory — — — —
Other — — — —
1,674 1,713 2,401 2,489
2023 2024 2025 Q'26
Payables 1,862 1,793 2,450 2,536
ST’ Debt — — — —
Other — — — —
1,919 1,808 2,515 2,644

Compound Annual Growth %

10y 5y 3y
Sales 13.97% 12.73% 20.79%
Cash Flow 14.07% 16.06% 11.02%
Earnings 12.89% 15.03% 1.20%
Book Value 13.86% 10.24% 19.67%

Revenue $m

Mar Jun Sep Dec Year
’26 51 53 — — —
’25 43 50 51 47 192
’24 32 33 34 33 132
’23 29 29 31 26 115
’22 23 27 29 30 109
’21 25 27 25 24 101
’20 25 26 26 27 105
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 24 (3) — — —
’25 (1) 16 27 13 54
’24 11 10 14 6 40
’23 15 10 8 9 41
’22 7 9 13 10 39
’21 9 16 9 8 42
’20 8 8 2 7 25
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 24 (4) — — —
’25 (2) 16 26 13 53
’24 11 9 13 5 39
’23 15 10 7 8 39
’22 8 9 13 9 38
’21 9 16 9 7 41
’20 8 8 2 8 26
Fiscal quarters ending in the months shown.

EPS $

Mar Jun Sep Dec Year
’26 1.32 1.49 — — —
’25 (0.03) 1.11 1.42 1.04 3.60
’24 0.80 1.32 0.84 0.77 3.73
’23 1.06 1.12 1.06 0.48 3.71
’22 0.76 0.99 1.20 1.20 4.15
’21 0.86 0.98 0.84 0.52 3.19
’20 (0.14) 0.67 0.79 0.81 2.13
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 20.65 24.45 27.30 32.29 19.00 24.06 28.40 27.00 30.24 35.70

Analyst estimates 2026–2028

Powerpack
High 32.85 32.50 41.45 41.00 37.75 33.74 41.28 48.55 50.72 53.41
People
People Employees 303 358 361 374 396 397 397 413 416 537
Revenue/emp, $m 0.18 0.18 0.22 0.23 0.27 0.25 0.27 0.28 0.32 0.36
Income, $m
Income, $m Revenue 54 66 80 88 105 101 109 115 132 192
Gross margin, % 92.68 91.76 90.80 88.44 88.40 93.15 96.67 92.77 81.96 79.08
EBT 15 16 27 29 23 35 45 40 40 46
EBT margin, % 27.25 24.91 33.22 33.47 21.54 34.69 41.29 34.63 30.58 24.22
Net income 11 10 22 24 18 28 36 32 32 37
Depreciation 2 3 3 3 5 5 6 4 5 8
Per share, $
Per share, $ Revenue 8.88 10.08 11.43 12.42 12.20 11.58 12.62 13.53 15.55 18.70
Earnings 1.80 1.50 3.09 3.36 2.13 3.19 4.15 3.72 3.75 3.61
Cash flow 2.00 2.60 4.20 3.64 2.95 4.83 4.55 4.77 4.68 5.23
Capex 0.10 (0.22) (0.16) (0.16) 0.04 (0.13) (0.08) (0.14) (0.11) (0.10)
Free cash flow 2.11 2.38 4.04 3.49 2.99 4.70 4.46 4.63 4.57 5.12
Book value 19.84 23.53 23.90 26.84 29.86 31.22 28.42 32.61 35.66 40.94
Shares, m 6 7 7 7 9 9 9 9 9 10
Valuation, ×
Valuation, × P/E 17.47 19.70 12.70 11.26 11.74 9.78 9.28 12.48 10.62 13.62
P/S 3.54 2.95 3.43 3.04 2.05 2.70 3.05 3.43 2.56 2.59
P/B 1.59 1.26 1.64 1.41 0.84 1.00 1.36 1.42 1.12 1.18
EV/Sales 4.57 3.87 3.96 2.50 (1.23) (3.99) 1.70 4.56 4.14 3.58
EV/FCF 19.26 16.36 11.22 8.90 (5.02) (9.84) 4.81 13.30 14.08 13.05
Cash, $m
Cash, $m Operating cash flow 12 17 30 26 25 42 39 41 40 54
Capex 1 (1) (1) (1) 0 (1) (1) (1) (1) (1)
Free cash flow 13 16 28 25 26 41 38 39 39 53
Balance, $m
Balance, $m Working capital (88) (69) (53) (70) (196) (300) (552) (244) (95) (114)
Total debt 74 95 84 66 54 35 21 195 255 255
Net debt 55 60 43 (48) (346) (675) (147) 129 208 190
Shareholders’ equity 120 154 168 190 258 272 245 277 303 420
Returns, %
Returns, % ROA 0.92 0.70 1.34 1.41 0.86 1.04 1.35 1.28 1.32 1.32
ROIC 5.22 4.79 7.92 12.97 0.00 0.00 28.70 6.12 4.94 4.76
ROE 9.26 7.14 13.50 13.26 8.22 10.50 13.83 12.13 10.97 10.25
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

ACNB Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
PFIS Peoples Financial Services Corp. $681.2M 12.0× 9.2× +3.78% (above 0%: growing) −12.94% (below 0%: shrinking) +54.41% (above 0%: growing) 70.19% 0.00% Compare
CARE Carter Bankshares, Inc. $671.8M 5.2× 4.6× +44.00% (above 0%: growing) +254.05% (above 0%: growing) −3,522.21% (below 0%: shrinking) 76.12% 0.00% Compare
MSBI Midland States Bancorp, Inc. $670.3M 20.7× 9.1× −7.83% (below 0%: shrinking) +86.36% (above 0%: growing) +9.48% (above 0%: growing) 74.46% 0.00% Compare
RRBI Red River Bancshares, Inc. $666.1M 14.5× 12.5× +6.30% (above 0%: growing) +18.54% (above 0%: growing) +237.31% (above 0%: growing) 76.50% 0.00% Compare
CCB Coastal Financial Corporation $656.9M — (loss-making) 16.0× +37.72% (above 0%: growing) n/m +16.72% (above 0%: growing) 85.92% 0.00% Compare
ACNB ACNB Corporation $642.5M 12.0× 10.1× +4.47% (above 0%: growing) +35.14% (above 0%: growing) −125.12% (below 0%: shrinking) 81.56% 0.00%
CBNK Capital Bancorp, Inc. $642.3M 11.5× 9.6× +8.53% (above 0%: growing) +10.13% (above 0%: growing) −18.20% (below 0%: shrinking) 77.43% 0.00% Compare
HIFS Hingham Institution for Savings $640.9M 9.7× — +33.46% (above 0%: growing) +168.29% (above 0%: growing) −29.97% (below 0%: shrinking) 59.45% 0.00% Compare
BHB Bar Harbor Bankshares, Inc. $638.6M 12.9× 10.1× +26.82% (above 0%: growing) +127.50% (above 0%: growing) +563.60% (above 0%: growing) 73.41% 0.00% Compare
Median of peers $661.5M 12.0× 9.6× +17.68% +86.36% +13.10% 75.29% 0.00%

All 323 Banks Regional stocks →

ACNB Corporation (ACNB) key facts

  • Strength: ACNB Corporation’s revenue for fiscal 2025 (year ended December 2025) was $191.8 million, up 45.1% from fiscal 2024.
  • Strength: Net income was $37.1 million, or $3.61 per share (basic), a net margin of 19.3%.
  • ACNB Corporation (ACNB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, ACNB traded at $63.24, a market capitalization of $642.5 million.
  • At that price the stock trades at 12.0× trailing-twelve-month earnings and 3.2× sales; its P/E is higher than 55% of its own readings over the past ten years.
  • ACNB Corporation pays an annual dividend of $1.18 per share, a yield of 1.87%, with a payout ratio of 22.4%.
  • Return on equity was 10.3% and debt-to-equity 0.51.
  • Its Piotroski F-score is 6 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

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stockrow.com/ACNB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com