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ACNB Corporation ACNB NASDAQ

NASDAQ Capital Marke • Financial Services • Banks - Regional • US • USD

SharesGrow Score
63/100
4/7 Pass
SharesGrow Intrinsic Value
$91.95
+79.8%
Analyst Price Target
$52.00
+1.7%

ACNB Corporation (ACNB) is a Banks - Regional company in the Financial Services sector, currently trading at $51.15. It has a SharesGrow Score of 63/100, indicating a above average investment profile with 4 out of 7 criteria passed.

SharesGrow calculates the intrinsic value of ACNB = $91.95 (+79.8% from the current price, the stock appears undervalued). Analyst consensus target is ACNB = $52 (+1.7% upside).

Valuation: ACNB trades at a trailing Price-to-Earnings (P/E) of 14.3 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 12.71.

Financials: revenue is $170M, +16.6%/yr average growth. Net income is $37M, growing at +1.8%/yr. Net profit margin is 21.7% (strong). Gross margin is 73.7% (-23 pp trend).

Balance sheet: total debt is $329M against $420M equity (Debt-to-Equity (D/E) ratio 0.78, moderate). Current ratio is 0.32 (tight liquidity). Debt-to-assets is 10.2%. Total assets: $3.2B.

Analyst outlook: 2 / 2 analysts rate ACNB as buy (100%) — strong consensus.

SharesGrow 7-Criteria breakdown: Value 43/100 (Partial), Growth 63/100 (Pass), Past 100/100 (Pass), Health 17/100 (Fail), Moat 49/100 (Partial), Future 82/100 (Pass), Income 85/100 (Pass).

$52.00
▲ 1.66% Upside
Average Price Target
The 12-month price target for ACNB Corporation is $52.00.

ACNB SharesGrow Score Overview

63/100
SharesGrow Score
Above average fundamentals
View full scorecard →
VALUE 43/100
Valuation — P/E, PEG, Forward PEG
GROWTH 63/100
Financials — average growth
PAST 100/100
strong — trend
HEALTH 17/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 49/100
Gross margin is + market cap
FUTURE 82/100
Analyst outlook — as buy
INCOME 85/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — ACNB

~
VALUE Partial
43/100
ACNB trades at a trailing Price-to-Earnings (P/E) of 14.3 (S&P 500 average ~25). Forward PEG 12.71 — overvalued. Trailing PEG 1.74. Analyst consensus target is $52, implying +1.7% from the current price $51. Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
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GROWTH Pass
63/100
ACNB: +16.6%/yr revenue is, +1.8%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
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PAST Pass
100/100
ACNB: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.
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HEALTH Fail
17/100
Balance sheet ACNB: Debt-to-Equity (D/E) ratio 0.78 (moderate), Current ratio is 0.32 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
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~
MOAT Partial
49/100
ACNB: Gross margin is 73.7% (-23 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 49/100. ≥ 70 = Pass.
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FUTURE Pass
82/100
Analyst outlook: 2 / 2 analysts rate ACNB as buy (100%). Analyst consensus target is $52 (+1.7% upside). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
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INCOME Pass
85/100
ACNB: Net profit margin is 21.7%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
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Stock Chart & Stats

Market Data
52-Week Range36.4-53.89
Volume84.28K
Avg Volume (30D)46.79K
Market Cap$529.58M
Beta (1Y)0.86
Dividend Yield$1.4400
Share Statistics
EPS (TTM)3.61
Shares Outstanding$10.26M
IPO Date1994-04-04
Employees391
CEOJames Helt
Financial Highlights & Ratios
Revenue (TTM)$170.39M
Gross Profit$125.53M
EBITDA$53.19M
Net Income$37.05M
Operating Income$46.45M
Total Cash$20.61M
Total Debt$329.02M
Net Debt$308.41M
Total Assets$3.23B
Price / Earnings (P/E)14.2
Price / Sales (P/S)3.11
Analyst Forecast
1Y Price Target$52.00
Target High$52.00
Target Low$52.00
Upside+1.7%
Rating ConsensusBuy
Analysts Covering2
Buy 100% Hold 0% Sell 0%
Price Target Summary
Company Info
CountryUS
ExchangeNASDAQ Capital Marke
CurrencyUSD
ISINUS0008681092

Price Chart

ACNB
ACNB Corporation  ·  NASDAQ Capital Marke
Financial Services • Banks - Regional
36.40 52WK RANGE 53.89
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