ACNB Corporation (ACNB) is a Financials stock trading at $64.45 (as of 2026-08-21), with a market capitalization of $658.17M and a trailing P/E of 11.4. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
ACNB Corporation, a financial holding company, provides banking, insurance, and financial services to individual, business, and government customers in the United States. The company offers checking, savings, and money market deposit accounts, as well as time deposits and debit cards. It also provides 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 individual clients; and online, telephone, and mobile banking, as well as automated teller machine services. As of December 31, 2021, it operated through a network of 19 community banking offices located in Pennsylvania, including 12 offices in Adams county, five offices in York county, one office in Cumberland County, and one office in Franklin County; five community banking offices located in Frederick County; six community banking offices located in Carroll county, Maryland; and loan offices located in Lancaster and York, Pennsylvania, and Hunt Valley, Maryland. The company was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.
ACNB Corporation provides banking, insurance, and other financial services, including deposit accounts and commercial and consumer lending, to individual, business, and government customers in the United States.
ACNB's profitability appears to be driven by operating efficiency and credit performance, as indicated by its Efficiency Ratio and Net Charge-offs to Average Loans.
Business quality (Strong): In the latest quarter, ACNB reported a positive operating margin (34.2) alongside measured returns (Return on Average Assets (Annualized) 1.71, Return on Average Equity (Annualized) 12.97), with low net charge-offs (Net Charge-offs to Average Loans 0.02).
Valuation: At 12× earnings, ACNB trades 8% below the Banking average (13×). Note: one-time items can distort reported P/E.
| Price | $64.45 |
| Market Cap | $658.17M |
| P/E Ratio | 11.4 |
| EV / EBITDA | 11.3 |
| Price / Book | 1.55 |
| Price / Sales | 3.22 |
| FCF Yield | 16.4% |
| DCF Value (model) | $56.53 |
| DCF Upside vs Price | -12.3% |
| Revenue (TTM) | $191.82M |
| Net Margin | 19.3% |
| Revenue Growth (YoY) | 45.1% |
| EPS Growth (YoY) | -3.7% |
| FCF Growth (YoY) | 35.4% |
| Stock P/E | 11.4 |
| Sector P/E (Financials) | 15.1 |
| Industry P/E (Banking) | 13.0 |
| vs Sector | -24.2% |
| vs Industry | -11.7% |
| Top Institutional Holder | BlackRock, Inc. ($29.80M) |
| Institutional Holders Tracked | 10 |
| Sector | Financials |
| Industry | Banking |
| CEO | James Helt |
| Employees | 391 |
| Country | US |
| IPO Date | 1995-03-29 |
Data as of 2026-08-21.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.