Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
ACNB
HOLDREMOVEACNB Corporation · Financial Services · United States · $557M · Avg Vol: $3M/d
ACNB is a micro-cap community bank with no structural moat or exposure to our high-conviction global macro themes.
COMPANY DESCRIPTION
ACNB Corporation is a bank holding company for ACNB Bank, providing comprehensive community banking services across South Central Pennsylvania and Maryland. The company's competitive moat is built upon its long-standing presence, deep understanding of local markets, and a strong commitment to personalized customer relationships. ACNB offers a full suite of deposit, loan, and wealth management products, serving as a trusted financial partner within its operating regions.
FINANCIAL SUMMARY
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | — | 105M | 106M | 108M | 152M | 13.1% |
| EPS | 3.19 | 4.15 | 3.72 | 3.75 | — | 5.5% |
| Shares | — | 9M | 9M | 9M | 11M | +24.8% |
| Debt | — | 24M | 225M | 258M | 305M | 132.8% |
| Equity | — | 245M | 277M | 303M | 420M | 19.7% |
| Op CF | — | 39M | 41M | 40M | 54M | 11.0% |
| Inv CF | — | -332M | 15M | 2M | 65M | — |
| Fin CF | — | -249M | -158M | -61M | -100M | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of ACNB are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| ACNB | ACNB Corporation(you) | $557M | 59 | HOLD |
| MSBI | Midland States Bancorp, Inc. | $575M | 61 | HOLD |
| BHB | Bar Harbor Bankshares | $583M | 61 | HOLD |
| HBCP | Home Bancorp, Inc. | $507M | 57 | HOLD |
| FBIZ | First Business Financial Services, Inc. | $481M | 58 | HOLD |
| WASH | Washington Trust Bancorp, Inc. | $617M | 57 | HOLD |
| CIVB | Civista Bancshares, Inc. | $536M | 63 | HOLD |
| CWBC | Community West Bancshares | $653M | 61 | HOLD |
| NFBK | Northfield Bancorp, Inc. | $596M | 63 | HOLD |
| KRNY | Kearny Financial Corp. | $517M | 65 | HOLD |
Peer medians: ROE 10.8% · P/E 13.6x · Gross margin 0.0%