ACNBNasdaqState Commercial BanksFiscal year ends December 31
ACNB CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$62.89−0.45 (-0.71%)
Close on Oct 19, 2026
- Market cap
- $642.25M
- P/E (TTM)
- 11.9
- Dividend yield
- 2.19%
ACNB statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | ACNB | Industry median |
|---|---|---|
| Market Cap | $639.59M | $679.86M |
| Enterprise Value | $666.01M | $408.94M |
| PE Ratio | 11.93 | 11.99 |
| PS Ratio | 3.18 | 3.59 |
| PB Ratio | 1.51 | 1.18 |
| P/TBV Ratio | 1.89 | 1.41 |
| P/FCF Ratio | 10.87 | 10.89 |
| P/OCF Ratio | 10.61 | 10.01 |
Enterprise value
| Measure | ACNB | Industry median |
|---|---|---|
| EV / Sales | 3.31 | 2.76 |
| EV / EBITDA | 5.78 | 6.13 |
| EV / FCF | 11.32 | 8.23 |
Income (trailing twelve months)
| Measure | ACNB | Industry median |
|---|---|---|
| Revenue | $201.10M | $170.85M |
| Pretax Income | $68.60M | $70.12M |
| Net Income | $54.59M | $54.33M |
| EBITDA | $115.14M | $92.75M |
| EPS (Diluted) | $5.27 | $2.91 |
Margins
| Measure | ACNB | Industry median |
|---|---|---|
| Pretax Margin | 34.1% | 36.5% |
| Profit Margin | 27.1% | 29.1% |
| EBITDA Margin | 57.3% | 32.4% |
| FCF Margin | 29.2% | 33.2% |
Returns
| Measure | ACNB | Industry median |
|---|---|---|
| Return on Equity (ROE) | 13.3% | 10.6% |
| Return on Assets (ROA) | 1.66% | 1.12% |
Growth
| Measure | ACNB | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 24.9% | 11.8% |
| Net Income Growth (YoY) | 116.9% | 23.2% |
| EPS Growth (YoY) | 95.9% | 23.1% |
| FCF Growth (YoY) | 81.3% | 28.5% |
| Revenue Growth (3Y CAGR) | 20.8% | 5.82% |
| Revenue Growth (5Y CAGR) | 15.5% | 6.17% |
| EPS Growth (3Y CAGR) | -4.63% | 1.31% |
Balance sheet
| Measure | ACNB | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $81.84M | $205.54M |
| Total Debt | $108.26M | $177.19M |
| Net Cash (Debt) | -$26.42M | $164.40M |
| Net Cash Per Share | -$2.60 | $8.13 |
| Equity (Book Value) | $423.28M | $563.88M |
| Book Value Per Share | $41.62 | $28.47 |
| Tangible Book Value | $338.48M | $475.36M |
Financial position
| Measure | ACNB | Industry median |
|---|---|---|
| Debt / Equity | 0.26 | 0.20 |
| Debt / EBITDA | 0.94 | 3.95 |
| Debt / FCF | 1.84 | 1.81 |
| Net Debt / EBITDA | 0.23 | 2.15 |
Cash flow (trailing twelve months)
| Measure | ACNB | Industry median |
|---|---|---|
| Operating Cash Flow | $60.27M | $61.52M |
| Capital Expenditures | -$1.45M | -$4.08M |
| Free Cash Flow | $58.82M | $52.15M |
| FCF Per Share | $5.78 | $3.05 |
Efficiency
| Measure | ACNB | Industry median |
|---|---|---|
| Asset Turnover | 0.06 | 0.04 |
| Revenue Per Employee | $374.48K | $353.78K |
| Profits Per Employee | $101.66K | $107.28K |
| Employee Count | 537 | 489 |
Dividends and yields
| Measure | ACNB | Industry median |
|---|---|---|
| Earnings Yield | 8.54% | 8.13% |
| FCF Yield | 9.20% | 8.91% |
| Dividend Yield | 2.19% | 2.48% |
| Buyback Yield | 2.65% | 1.55% |
| Shareholder Yield | 4.85% | 3.13% |
| Dividend Per Share | $1.38 | $0.93 |
| Dividend Growth (YoY) | 9.52% | 4.26% |
| Years of Dividend Growth | 8 | 2 |
| Payout Ratio | 37.9% | 29.3% |
| FCF Payout Ratio | 35.2% | 26.0% |
Shares
| Measure | ACNB | Industry median |
|---|---|---|
| Shares Outstanding | 10,169,900 | 18,839,100 |
| Shares Change (YoY) | 10.7% | 0.40% |
| Shares Change (QoQ) | -1.63% | 0.00% |
| Float | 9,747,500 | 17,061,900 |
| Shares Held by Insiders | 4.15% | 5.89% |
| Shares Held by Institutions | 40.7% | 61.9% |
Scores
| Measure | ACNB | Industry median |
|---|---|---|
| Graham Number | $70.25 | $45.31 |
| Graham Upside | 11.7% | 21.9% |
| Altman Z-Score | 0.31 | 0.21 |
| Piotroski F-Score | 5 | 6 |
Calculated by StockData from ACNB's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.