ACNB
ACNB Corporation
ACNB's fundamentals are strong: its operating margin rose 11 points to 34% and revenue grew 15%. Its PE isn't a useful guide right now because of how its recent earnings were reported.
ACNB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
ACNB's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like ACNB.
ACNB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.3x | $45.14 | -33% |
| Fair | 11x | $58.42 | -13% |
| Current | 12x | $66.92 | — |
| Forward | 12x | $66.92 | — |
| Expensive | 13x | $72.83 | +8.8% |
Historical ranges are pointers, not guarantees.
ACNB's PE is 12x, but its earnings don't support one, so it isn't a reliable read right now.
ACNB Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect ACNB's earnings to grow and its profitability to improve, with its revenue holding steady.
ACNB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $5.73 | +4.9% |
| Q3 2026 | $5.46 | +67% |
| Q2 2026 | $5.33 | +98% |
| Q1 2026 | $4.95 | +71% |
| Q4 2025 | $3.60 | -3.5% |
| Q3 2025 | $3.27 | -4.7% |
| Q2 2025 | $2.69 | -26% |
| Q1 2025 | $2.90 | -16% |
| Q4 2024 | $3.73 | +0.5% |
ACNB earned $5.46 per share over the past year, up 67% from the year before. Its recent earnings include one-off gains.
ACNB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $54M | +6.1% |
| Q2 2026 | $52.5M | +4.5% |
| Q1 2026 | $50.5M | +16% |
| Q4 2025 | $47.2M | +42% |
| Q3 2025 | $50.9M | +49% |
| Q2 2025 | $50.3M | +83% |
| Q1 2025 | $43.5M | +66% |
| Q4 2024 | $33.2M | +48% |
ACNB's revenue has grown year over year for nine quarters in a row: $54M last quarter, up 6.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 36% | -0.7 points |
| Q2 2026 | 37% | +7 points |
| Q1 2026 | 34% | +35 points |
| Q4 2025 | 28% | +3.1 points |
| Q3 2025 | 37% | +9.5 points |
| Q2 2025 | 30% | -22 points |
| Q1 2025 | -1.3% | -34 points |
| Q4 2024 | 25% | +3.7 points |
ACNB's operating margin was 36% last quarter, down 0.7 points from the same quarter a year ago.
ACNB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $46.6M | +105% |
| Q2 2026 | -$4M | -122% |
| Q1 2026 | $24M | +$24.7M |
| Q4 2025 | $12.6M | +136% |
| Q3 2025 | $22.8M | +71% |
| Q2 2025 | $17.9M | +91% |
| Q1 2025 | -$730K | -107% |
| Q4 2024 | $5.3M | -30% |
ACNB's free cash flow was $79M over the past year, up 75% from the year before. Free cash flow isn't a meaningful measure for financial services companies like ACNB.
ACNB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -44.4K shares |
| 1 year | -2.8% | -288K shares |
| 3 years | +19% | +1.6M shares |
| 5 years | +17% | +1.4M shares |
| Available history | +44% | +3.1M shares |
ACNB has 10M diluted shares, down 2.8% from a year ago, with $16M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $742,000 |
| Q2 2026 | $9.2M |
| Q1 2026 | $3.6M |
| Q4 2025 | $2.5M |
| Q3 2025 | $2.7M |
| Q2 2025 | $2.9M |
| Q1 2025 | $3.1M |
| Q4 2024 | — |
ACNB spent $16M buying back its own shares over the past year, up 84% from the year before.
ACNB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 3.2x | Elevated |
| Q2 2026 | 3.2x | Elevated |
| Q1 2026 | 2.6x | Moderate |
| Q4 2025 | 4.8x | High |
ACNB's net debt is about 3.2 years of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like ACNB.
ACNB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 70.6 | Overbought |
| Stochastic | 67.0 | Neutral |
ACNB's weekly RSI is 71 (overbought) and its Stochastic is 67 (neutral).
ACNB PE vs Financial Services Sector
| Metric | ACNB | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 5.8% below |
| PE % | 76 | 63 | 13 pts above |
ACNB is trading at 12x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
ACNB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $64.6 | 3.7% above |
| 20 week MA | $63.9 | 4.8% above |
| 50 week MA | $56.3 | 19% above |
| 100 week MA | $49.4 | 35% above |
| 200 week MA | $43.1 | 55% above |
ACNB is in an uptrend: it's above all five of its weekly moving averages, and 55% above its 200-week average.
ACNB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $37.4 | $25.1 | -33% |
| 2021 | $25.1 | $30.3 | +21% |
| 2022 | $30.3 | $40.3 | +33% |
| 2023 | $40.3 | $44.8 | +11% |
| 2024 | $44.8 | $39.6 | -11% |
| 2025 | $39.6 | $49.4 | +25% |
| 2026 YTD | $49.4 | $66.9 | +35% |
ACNB has finished higher in four of the last six years. It's up 35% so far in 2026.