Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
ACNB
BuyPremium GrowerFLAGACNB Corporation · Financial Services · United States · $656M · Avg Vol: $5M/d
ACNB Corporation has strong momentum M67 and quality Q59 with a buyback retiring 0.72% of shares, but value at V45 is below the calibrated floor, so stage one fails.
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 (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 104.8M | 106.4M | 108.3M | 151.7M | 13.1% | 161.0M | 168.7M | 173.6M | 7.0% |
| EPS | 3.19 | 4.15 | 3.72 | 3.75 | 3.61 | 3.1% | 5.29 | 4.01 | 4.03 | 5.7% |
| Shares | — | 8.5M | 8.5M | 8.6M | 10.4M | +21.8% | 10.2M | — | — | — |
| Debt | — | 24.2M | 224.8M | 258.1M | 304.8M | 132.8% | 331.4M | — | — | — |
| Equity | — | 245.0M | 277.5M | 303.3M | 420.0M | 19.7% | — | — | — | — |
| Op CF | — | 39.2M | 40.6M | 39.8M | 53.6M | 11.0% | 60.3M | — | — | — |
| Inv CF | — | -331.7M | 15.4M | 2.4M | 64.6M | — | — | — | — | — |
| Fin CF | — | -249.4M | -158.2M | -60.9M | -99.9M | — | — | — | — | — |
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) | $656M | 75 | Buy |
| PFIS | Peoples Financial Services Corp. | $697M | 76 | Buy |
| CBNK | Capital Bancorp, Inc. | $595M | 74 | Buy |
| TCBX | Third Coast Bancshares, Inc. | $752M | 76 | Buy |
| HIFS | Hingham Institution for Savings | $650M | 72 | Buy |
| WASH | Washington Trust Bancorp, Inc. | $753M | 77 | Buy |
| CIVB | Civista Bancshares, Inc. | $571M | 73 | Buy |
| SHBI | Shore Bancshares, Inc. | $772M | 73 | Buy |
| COFS | ChoiceOne Financial Services, Inc. | $499M | 76 | Buy |
| ORRF | Orrstown Financial Services, Inc. | $825M | 78 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%