ACNB (ACNB) Stock Price, News & Analysis

Company Overview

ACNB Corporation, a financial holding company, offers banking, insurance, and financial services to individual, business, and government customers in the United States. The company provides checking, savings, and money market deposit accounts, as well as time deposits and debit cards. It also offers commercial lending products, such as commercial mortgages, real estate development and construction loans, accounts receivable and inventory financing, and agricultural and governmental loans; consumer lending products, including home equity loans and lines of credit, automobile and recreational vehicle loans, manufactured housing loans, and personal lines of credit; and mortgage lending programs include personal residential mortgages, and residential construction and investment mortgage loans. In addition, the company provides other services that are related to testamentary trusts, life insurance trusts, charitable remainder trusts, guardianships, powers of attorney, custodial accounts, and investment management and advisory accounts; and retail brokerage services. Further, it acts as a trustee to invest in, protect, manage, and distribute financial assets. Additionally, the company offers property and casualty, health, life, and disability insurance products to commercial and personal clients; and online, telephone, and mobile banking, as well as automated teller machine services. ACNB Corporation was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.

Key Stats

• Today's Range: $40.33 to $42.74
• 50-Day Range: $41.52 to $50.72
• 52-Week Range: $30.24 to $50.72
• Volume: 50,487 shs
• Average Volume: 16,511 shs
• Market Capitalization: $354.61 million
• P/E Ratio: 12.06
• Dividend Yield: 3.09%
• Price Target: $45.00
• Consensus Rating: Moderate Buy

ACNB Stock Analysis - MarketRank™

ACNB scored higher than 28% of companies evaluated by MarketBeat, and ranked 818th out of 937 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

ACNB has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on 2 buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

ACNB has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: -9.55%

Earnings Growth

Earnings for ACNB are expected to decrease by -9.55% in the coming year, from $3.56 to $3.22 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of ACNB is 12.06, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 115.46.

Price to Earnings Ratio vs. Sector

The P/E ratio of ACNB is 12.06, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 29.57.

Price to Book Value per Share Ratio

ACNB has a P/B Ratio of 1.27. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

2.78% of the float of ACNB has been sold short.

Short Interest Ratio / Days to Cover

ACNB has a short interest ratio ("days to cover") of 13.3, which indicates bearish sentiment.

Change versus previous month

Short interest in ACNB has recently decreased by 2.55%, indicating that investor sentiment is improving.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

ACNB pays a meaningful dividend of 2.99%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

ACNB does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of ACNB is 37.21%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, ACNB will have a dividend payout ratio of 39.75% next year. This indicates that ACNB will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

2.78% of the float of ACNB has been sold short.

Short Interest Ratio / Days to Cover

ACNB has a short interest ratio ("days to cover") of 13.3, which indicates bearish sentiment.

Change versus previous month

Short interest in ACNB has recently decreased by 2.55%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: 0.67

News Sentiment

ACNB has a news sentiment score of 0.67. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.78 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for ACNB this week, compared to 1 article on an average week.

MarketBeat Follows

Only 1 people have added ACNB to their MarketBeat watchlist in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, ACNB insiders have bought more of their company's stock than they have sold. Specifically, they have bought $2,733.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 3.58% of the stock of ACNB is held by insiders.

Percentage Held by Institutions

Only 32.35% of the stock of ACNB is held by institutions.

ACNB Stock Analysis - Frequently Asked Questions

How have ACNB shares performed this year?

ACNB's stock was trading at $44.76 at the beginning of 2024. Since then, ACNB shares have decreased by 7.3% and is now trading at $41.48.
View the best growth stocks for 2024 here.

How were ACNB's earnings last quarter?

ACNB Co. (NASDAQ:ACNB) announced its quarterly earnings results on Thursday, October, 24th. The bank reported $0.84 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $0.88 by $0.04. The bank had revenue of $34.07 million for the quarter, compared to analysts' expectations of $27.51 million. ACNB had a trailing twelve-month return on equity of 10.18% and a net margin of 23.43%.

Who are ACNB's major shareholders?

Top institutional shareholders of ACNB include FMR LLC (6.68%), Geode Capital Management LLC (2.24%), State Street Corp (1.66%) and The Manufacturers Life Insurance Company (1.36%). Insiders that own company stock include Alan J Stock, David L Sites, James Helt, Frank Elsner III, Scott L Kelley, Donald Arthur Seibel Jr, Lynda L Glass, Daniel W Potts, Thomas R Stone and Brett D Fulk.
View institutional ownership trends.

How do I buy shares of ACNB?

Shares of ACNB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.
Compare Top Brokerages Here.

What other stocks do shareholders of ACNB own?

Based on aggregate information from My MarketBeat watchlists, some other companies that ACNB investors own include Humana (HUM), American Water Works (AWK), Waste Connections (WCN), Voyager Therapeutics (VYGR), The RMR Group (RMR), iShares Micro-Cap ETF (IWC) and DiamondRock Hospitality (DRH).

Company Calendar

• Last Earnings: 10/24/2024
• Ex-Dividend for 12/13 Dividend: 11/29/2024
• Dividend Payable: 12/13/2024
• Today: 12/21/2024
• Fiscal Year End: 12/31/2024

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:ACNB
• CUSIP: N/A
• CIK: 715579
• Web: www.acnb.com
• Phone: (717) 334-3161
• Fax: 717-334-8670
• Employees: 400
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $45.00
• High Stock Price Target: $53.00
• Low Stock Price Target: $37.00
• Potential Upside/Downside: +8.5%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 3 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $3.44
• Trailing P/E Ratio: 12.06
• Forward P/E Ratio: 11.65
• P/E Growth: N/A
• Net Income: $31.69 million
• Net Margins: 23.43%
• Pretax Margin: 29.48%
• Return on Equity: 10.18%
• Return on Assets: 1.21%

Debt

• Debt-to-Equity Ratio: 0.83
• Current Ratio: 0.94
• Quick Ratio: 0.94

Sales & Book Value

• Annual Sales: $103.89 million
• Price / Sales: 3.41
• Cash Flow: $3.73 per share
• Price / Cash Flow: 11.12
• Book Value: $32.61 per share
• Price / Book: 1.27

Miscellaneous

• Outstanding Shares: 8,549,000
• Free Float: 8,243,000
• Market Cap: $354.61 million
• Optionable: Optionable
• Beta: 0.63