ACNB Corp (ACNB) stock
ACNBNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 15/3019% above fair value
$67.20+0.28 (+0.42%)
Close on Nov 13, 2026Market cap $683.42MP/E 12.4Yield 2.05%
ACNB statistics
97 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 21, 2027 (estimated, before the open)
- Last ex-dividend date
- Dec 1, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 2.03
- 1.52
- P/OCF Ratio
- 8.50
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 3.49
- 2.95
- EV / FCF
- 9.02
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- 4.62%
- 0.33%
- Shares Change (QoQ)
- -0.06%
- 0.00%
- Float
- 10M
- 17M
- Shares Held by Insiders
- 4.15%
- 6.05%
- Shares Held by Institutions
- 40.7%
- 61.3%
Short sellingIndustry
- Short Interest
- 566,888
- –
- Short Interest Change
- -0.49%
- -4.13%
- Short % of Float
- 5.82%
- 3.58%
- Short % of Shares Outstanding
- 5.57%
- 3.18%
- Days to Cover
- 9.87
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $68.85
- –
- 52-Week Low
- $44.62
- –
- 20-Day Moving Average
- $65.67
- –
- 50-Day Moving Average
- $64.52
- –
- 200-Day Moving Average
- $57.59
- –
- Average True Range (14)
- $1.46
- –
- Price Change (1 Week)
- 2.53%
- 0.69%
- Price Change (1 Month)
- 6.36%
- 3.79%
- Price Change (3 Months)
- 4.40%
- -2.72%
- Price Change (6 Months)
- 29.2%
- 12.2%
- Price Change (YTD)
- 39.0%
- 19.9%
- Price Change (1 Year)
- 40.4%
- 25.7%
- Price Change (3 Years)
- 73.2%
- 65.1%
- Price Change (5 Years)
- 138.1%
- 26.9%
- Price Change (10 Years)
- 122.1%
- 66.8%
- Average Volume (10 Days)
- 54,833
- –
- Average Volume (20 Days)
- 57,798
- –
- Average Volume (90 Days)
- 66,228
- –
- Relative Volume
- 0.61
- 0.68
- Relative Strength Index (14)
- 61.9
- 53.1
- Volatility (1 Year)
- 23.2%
- 24.4%
- Beta (5 Years)
- 0.56
- 0.63
MarginsIndustry
- Pretax Margin
- 34.0%
- 37.0%
- EBITDA Margin
- 56.6%
- 32.4%
- FCF Margin
- 38.6%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 13.4%
- 10.7%
- Return on Assets (ROA)
- 1.69%
- 1.16%
Financial positionIndustry
- Debt / Equity
- 0.28
- 0.21
- Debt / EBITDA
- 1.01
- 3.82
- Debt / FCF
- 1.48
- 1.48
- Net Debt / EBITDA
- 0.24
- 1.91
GrowthIndustry
- Revenue Growth (YoY)
- 14.8%
- 11.7%
- Net Income Growth (YoY)
- 68.8%
- 22.6%
- EPS Growth (YoY)
- 65.1%
- 21.6%
- FCF Growth (YoY)
- 73.0%
- 27.2%
- Revenue Growth (3Y CAGR)
- 20.8%
- 5.82%
- Revenue Growth (5Y CAGR)
- 15.5%
- 6.17%
- EPS Growth (3Y CAGR)
- -4.63%
- 1.31%
EfficiencyIndustry
- Asset Turnover
- 0.06
- 0.04
- Revenue Per Employee
- $380.22K
- $358.92K
- Profits Per Employee
- $103.26K
- $110.51K
- Employee Count
- 537
- 492
- WACC
- 8.50%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $69.37M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- -$28.15M
- $165.09M
- Net Cash Per Share
- -$2.77
- $8.07
- Equity (Book Value)
- $420.48M
- $570.13M
- Book Value Per Share
- $41.34
- $28.12
- Tangible Book Value
- $336.69M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$1.51M
- -$4.24M
- FCF Per Share
- $7.76
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 8.11%
- 8.29%
- FCF Yield
- 11.5%
- 9.18%
- Dividend Yield
- 2.05%
- 2.44%
- Buyback Yield
- 2.18%
- 1.82%
- Shareholder Yield
- 4.24%
- 3.26%
- Dividend Per Share
- $1.38
- $0.92
- Dividend Growth (YoY)
- 9.52%
- 4.26%
- Years of Dividend Growth
- 8
- 2
- Payout Ratio
- 38.6%
- 28.5%
- FCF Payout Ratio
- 27.1%
- 24.8%
Taxes and interestIndustry
- Interest Expense
- $39.58M
- $24.37M
Scores and fair valueIndustry
- Graham Number
- $70.88
- $45.07
- Graham Upside
- 5.47%
- 18.8%
- Altman Z-Score
- 0.32
- 0.22
- Piotroski F-Score
- 5
- 6
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | ACNB | S&P 500 | Difference | ACNB per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +7.2% | -3.0% | +10.2 pts | ||
| 3 months | +4.2% | -2.8% | +7.0 pts | ||
| Year to date | +43.4% | +11.5% | +31.9 pts | ||
| 1 year | +45.9% | +13.5% | +32.4 pts | ||
| 3 years | +108.6% | +77.7% | +30.9 pts | +27.8% | +21.1% |
| 5 years | +181.7% | +72.6% | +109.1 pts | +23.0% | +11.5% |
| 10 years | +201.7% | +308.2% | −106.5 pts | +11.7% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
1M ACNB shares were sold short on Oct 30, 2026, down 0.5% from the previous report, or 5.82% of the shares available to trade. At recent volumes it would take 9.9 days to buy them back. Over the last 20 sessions, 71.4% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 566,888 | -0.5% | 57,415 | 9.9 |
| Oct 15, 2026 | 569,692 | +1.9% | 48,457 | 11.8 |
| Sep 30, 2026 | 559,120 | +29.6% | 68,808 | 8.1 |
| Sep 15, 2026 | 431,401 | +5.3% | 69,968 | 6.2 |
| Aug 31, 2026 | 409,589 | +22.2% | 84,056 | 4.9 |
| Aug 14, 2026 | 335,284 | +12.3% | 50,724 | 6.6 |
| Jul 31, 2026 | 298,559 | +12.4% | 82,972 | 3.6 |
| Jul 15, 2026 | 265,533 | +12.8% | 60,629 | 4.4 |
| Jun 30, 2026 | 235,441 | +58.0% | 102,359 | 2.3 |
| Jun 15, 2026 | 149,018 | +13.8% | 54,499 | 2.7 |
| May 29, 2026 | 130,940 | +2.1% | 47,465 | 2.8 |
| May 15, 2026 | 128,268 | -2.6% | 44,407 | 2.9 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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