ACNB
ACNB Corporation
ACNB has slightly lower modeled downside risk, despite its lower overall score.
GS
The Goldman Sachs Group, Inc.
GS has the edge over ACNB overall, supported by stronger modeled upside.
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.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
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 has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, 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.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
GS has the edge over ACNB on the outlook, with more favorable revenue expectations.
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.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over ACNB on earnings, with more consistent year-over-year improvement.
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 has the edge over GS on sales, with more consistent year-over-year improvement.
| 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.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS has the edge over ACNB on profitability, with a higher operating margin.
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 has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
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.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over ACNB on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% 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.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over ACNB on leverage, with a lower net debt burden relative to earnings.
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).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
ACNB PE vs Financial Services Sector
| Metric | ACNB | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 5.8% below |
| PE % | 76 | 63 | 13 pts above |
ACNB has the edge over GS on valuation relative to its sector.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x 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 has the edge over GS on trend strength, trading above more of its moving averages.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% 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 the edge over GS on returns for 2026, with the stronger performance.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.