Acnb Corp

Finance
Major Banks
www.acnb.com

Earnings Score
Moat Score
Safety Score

Market Cap $414.51M
PE 17
Debt $299.53M
Cash $123.56M
EV $590.48M
FCF $27.35M

Earnings

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Sales & Net Margins

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Earnings	$24.81M
EBIT	$31.34M
ROE	6%
ROA	1%
FCF	$27.35M
Equity	$386.88M
Growth Stability	100%
PE	16.71
PEG	1.56
PB	1.07
P/FCF	15.15
P/S	2.88
Price/Cash	0.3
Debt/Equity	0.77
Debt/FCF	10.95
Net Margins	-1%
Op. Margins	22%
Earnings CAGR	16%
Sales Growth YoY	37%
FCF CAGR	17%
Equity CAGR	12%
Earnings Stability	0.75
Earnings Growth YoY	-104%

Earnings Growth QoQ	-104%
Earnings CAGR 5Y	11%
FCF CAGR 5Y	7%
Equity CAGR 5Y	5%
FCF CAGR 3Y	-3%
Equity CAGR 3Y	15%
Market Cap	$414.51M
Revenue	$144.03M
Dividend Yield	3%
Payout Ratio	47%
Assets	$3.27B
Total Debt	$299.53M
Cash	$123.56M
Shares Outstanding	9.81M
EV	590.48M
Earnings Score	92%
Moat Score	42%
Safety Score	76%
Final Score	70%
Shares Growth 3y	2%
Equity Growth QoQ	28%
Equity Growth YoY	38%

Assets & ROA

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Stockholders Equity & ROE

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ACNB Corp provides banking, insurance, and financial services to businesses and consumers, through its wholly-owned subsidiaries, ACNB Bank and ACNB Insurance Services, Inc. The corporation has two reporting segments, the Bank and ACNB Insurance Services. ACNB Insurance Services is managed separately from the Banking segment, which includes the Bank and related financial services that the corporation offers through its banking subsidiary. ACNB Insurance Services, Inc. offers a broad range of property and casualty, life, and health insurance to both commercial and individual clients. The corporation's primary source of revenue is interest income on loans and investment securities and fee income on its products and services.

SEC Filings

Direct access to Acnb Corp (ACNB) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2025
- 10-Q Mar 31
2024
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Acnb Corp compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Acnb Corp compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 16%

Stability 75%

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Acnb Corp Discounted Cash Flow

Fully customizable DCF calculator online for Acnb Corp.

Years

Calculation mode

= $881M

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$27M	$32M	$37M	$44M	$51M	$59M	$69M	$81M	$94M	$110M	$129M	$1.3B
DCF		$29M	$31M	$33M	$35M	$37M	$39M	$41M	$44M	$47M	$50M	$496M
Value	$881M

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Net Margins	-	-	-	-	-	-	-	33%	28%	24%	-1%
ROA	-	-	-	-	-	-	1%	2%	2%	2%	1%
ROE	-	9%	6%	13%	13%	7%	10%	15%	11%	11%	6%

Bad Net Margins (-0.63%)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Debt over FCF	-	11.13	8.62	4.25	4.1	3.78	1.72	1.68	6.39	6.98	10.95
Debt over Equity	0.97	0.91	0.85	0.7	0.53	0.36	0.26	0.26	0.91	0.89	0.77
Growth Stability	-	-	-	100%	100%	100%	100%	100%	100%	100%	100%

Bad Debt/FCF ratio (10.95)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Good Debt/Equity ratio (0.77)

The company is not overleveraged and has a good balance between equity and debt.

Good Graham’s Stability (100%)

The company has a good stability in its earnings, which is a sign of a good competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	CAGR 5Y
Revenue YoY growth	-	-	-	-	-	-	-	-	6%	15%	-
Earnings YoY growth	-	-1%	-10%	122%	9%	-22%	51%	28%	-11%	0%	11%
Equity YoY growth	-	5%	28%	9%	13%	36%	5%	-10%	13%	9%	5%
FCF YoY growth	-	-23%	56%	82%	-13%	1%	66%	-8%	5%	-2%	7%