ACNB Financial Services

ACNB Corporation

$66.17-1.42%

Price as of close on Nov 3, 2026 · Financials updated Nov 3, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 672.6M USD
Full-time employees: 501

Overall health

Strength: more profitable than most peersmore profitable than peers
About average: valuation

Ranks #103 of 791 banks & insurance companies (top 14%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Shareholders being diluted. Shares outstanding up 19% from December 2022 to July 2026.
ACNB had 19% more shares at July 2026 than at December 2022, mostly from issuing stock (for pay, acquisitions or fundraising). Each existing share now owns a smaller slice of the business.ACNB had 19% more shares at July 2026 than at December 2022, mostly from issuing stock. Each existing share now owns a smaller slice of the business.
Fast revenue growth. Revenue grew 25% in the 12 months to June 2026 vs the 12 months before, faster than 83% of peers.
Revenue grew 25% in the 12 months to June 2026 vs the 12 months before, faster than 83% of its peers.

StockQuotient Score

68/ 100▲ 1 since Oct 27 close

Oct 5 69 → Nov 4 68 (-1)

Valuation

Is the price right?

44/100

Moderate▲ 1 since Oct 27 close

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 43 → 44

Share price +1.3%-1
Company's reported figures updated+3
Peer companies moved-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Held back by:

▼ P/B

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield64.6%

SEC filings · latest balance sheetReported value40% base weight · Z-score -0.53Sector median: 0.7950 · MAD: 0.2843

Earnings yield8.3%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score 0.17Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield9.0%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

93/100

Strong

1/1 inputs reported · High confidence

Since last quarter: No major change

Why

Stronger than most peers on:

▲ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth123.2%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score 6.04Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth13.1%

Yahoo Finance fallback · SEC figure unavailable or out of date · 3 fiscal years to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth24.9%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

66/100

Moderate

2/2 inputs reported · High confidence

Since last quarter: No major change

Why

Stronger than most peers on:

▲ ROA
▲ ROE

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets1.6%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 0.75Sector median: 0.0117 · MAD: 0.0062

Return on equity12.9%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 0.55Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about ACNB

Is ACNB getting weaker?: Its latest SEC filing (Aug 6, 2026) showed no major changes. Its overall score is 68/100, up 1 since Oct 28, 2026.
How is ACNB valued vs its peers?: Priced about in line with its peers. Valuation scores 44/100 against 950 banks & insurance peers. Book yield 64.6% vs a peer median of 79.5% (weaker than 65% of peers).Book yield 64.6% vs peers 79.5% (weaker than 65% of peers).
Is ACNB growing?: Yes, faster than most of its peers. Growth scores 93/100 against 950 banks & insurance peers. Earnings per share growth 123.2% vs a peer median of 16.0% (stronger than 93% of peers).Earnings per share growth 123.2% vs peers 16.0% (stronger than 93% of peers).
How profitable is ACNB?: More profitable than most of its peers. Profitability scores 66/100 against 950 banks & insurance peers. Return on assets 1.6% vs a peer median of 1.2% (stronger than 70% of peers).Return on assets 1.6% vs peers 1.2% (stronger than 70% of peers).
How risky is ACNB?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 6, 2026 · compared with the quarter ended Mar 31, 2026

No major changes

	Previous quarter	Latest quarter	Change
Revenue (12 months)	198.9M USD	201.1M USD	+1.1%
Net income (12 months)	51.0M USD	54.6M USD	+7.0%
Free cash flow (12 months)	78.6M USD	58.8M USD	−25.1%
Debt	279.2M USD	323.1M USD	+15.7%
Cash	93.6M USD	81.8M USD	−12.6%
Shares outstanding	10.2M	10.2M	−0.4%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Net margin	—	32.8%	27.5%	24.1%	19.3%	▼ 4.8 pts
Return on assets (ROA)	1.0%	1.4%	1.3%	1.3%	1.1%	▼ 0.2 pts
Return on equity (ROE)	10.2%	14.6%	11.4%	10.5%	8.8%	▼ 1.7 pts
Debt to equity	0.26×	0.26×	0.91×	0.89×	0.76×	▼ 15%

ACNB price history

Price history is added with the daily price update and will appear after the next one.

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Bringing the fundamentals into focus…

Overall health

Strength: more profitable than most peersmore profitable than peers

About average: valuation

Ranks #103 of 791 banks & insurance companies (top 14%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Shareholders being diluted. Shares outstanding up 19% from December 2022 to July 2026.

ACNB had 19% more shares at July 2026 than at December 2022, mostly from issuing stock (for pay, acquisitions or fundraising). Each existing share now owns a smaller slice of the business.ACNB had 19% more shares at July 2026 than at December 2022, mostly from issuing stock. Each existing share now owns a smaller slice of the business.

Fast revenue growth. Revenue grew 25% in the 12 months to June 2026 vs the 12 months before, faster than 83% of peers.

Revenue grew 25% in the 12 months to June 2026 vs the 12 months before, faster than 83% of its peers.

Questions investors ask about ACNB

Is ACNB getting weaker?

Its latest SEC filing (Aug 6, 2026) showed no major changes. Its overall score is 68/100, up 1 since Oct 28, 2026.

How is ACNB valued vs its peers?

Priced about in line with its peers. Valuation scores 44/100 against 950 banks & insurance peers. Book yield 64.6% vs a peer median of 79.5% (weaker than 65% of peers).Book yield 64.6% vs peers 79.5% (weaker than 65% of peers).

Is ACNB growing?

Yes, faster than most of its peers. Growth scores 93/100 against 950 banks & insurance peers. Earnings per share growth 123.2% vs a peer median of 16.0% (stronger than 93% of peers).Earnings per share growth 123.2% vs peers 16.0% (stronger than 93% of peers).

How profitable is ACNB?

More profitable than most of its peers. Profitability scores 66/100 against 950 banks & insurance peers. Return on assets 1.6% vs a peer median of 1.2% (stronger than 70% of peers).Return on assets 1.6% vs peers 1.2% (stronger than 70% of peers).

How risky is ACNB?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Revenue (12 months)

198.9M USD

201.1M USD

+1.1%

Net income (12 months)

51.0M USD

54.6M USD

+7.0%

Free cash flow (12 months)

78.6M USD

58.8M USD

−25.1%

Debt

279.2M USD

323.1M USD

+15.7%

Cash

93.6M USD

81.8M USD

−12.6%

Shares outstanding

10.2M

10.2M

−0.4%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Net margin

—

32.8%

27.5%

24.1%

19.3%

▼ 4.8 pts

Return on assets (ROA)

1.0%

1.4%

1.3%

1.1%

▼ 0.2 pts

Return on equity (ROE)

10.2%

14.6%

11.4%

10.5%

8.8%

▼ 1.7 pts

Debt to equity

0.26×

0.91×

0.89×

0.76×

▼ 15%