ACNB CorporationAA

ACNB Corporation

41.17USDR
+0.01+0.02%
Last update at Mar 6, 21:04 GMT
41.05USD
−0.12−0.29%
No tradesPre-marketLast update at 10:32 GMT
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ACNB fundamentals

Key facts

Market capitalization‪435.96 M‬USD
Founded1982
CEOJames P. Helt
Websiteacnb.com
About

ACNB Corp. is a holding company. The firm engages in the provision of banking, financial and wealth management services. It operates through the following segments: Bank and RIG. The Bank segment offers bank and related financial services. The RIG segment offers property and casualty, life and health insurance to both commercial and individual clients. The company was founded in 1982 and is headquartered in Gettysburg, PA.

Ownership
‪‪10.59 M‬‬
Free Float shares
‪‪10.15 M‬‬ (95.84%)
Closely held shares
‪‪440.80 K‬‬ (4.16%)
Free Float shares
‪‪10.15 M‬‬ (95.84%)
Closely held shares
‪‪440.80 K‬‬ (4.16%)
Capital structure
Market cap
‪‪435.96 M‬‬
Debt
‪‪273.92 M‬‬
Cash & equivalents
‪‪16.35 M‬‬
Enterprise value
‪‪693.53 M‬‬

Valuation

Fundamental metrics to determine fair value of the stock

Summary
‪‪435.96 M‬‬
Price to earning ratio (P/E)
11.03x
Price to sales ratio (P/S)
2.66x
Market Cap
Net income
Revenue
Price to earning ratio (P/E)
11.03x
Price to sales ratio (P/S)
2.66x
Valuation ratios
‪0.00‬
‪0.90‬
‪1.80‬
‪2.70‬
‪3.60‬
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪0.00‬
‪3.50‬
‪7.00‬
‪10.50‬
‪14.00‬
P/E
P/S

Growth and Profitability

Company’s recent performance and margins

Performance
‪15%‬
‪20%‬
‪25%‬
‪30%‬
‪35%‬
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪0.00‬
‪‪9.00 M‬‬
‪‪18.00 M‬‬
‪‪27.00 M‬‬
‪‪36.00 M‬‬
Total revenue
Net income
Net margin %
Revenue to profit conversion
Total revenue
Int. expense & PCL
Non-int. expense
Op income
Unusual income/ expense
Pretax income
Taxes & Other
Net income
‪0.00‬
‪‪9.00 M‬‬
‪‪18.00 M‬‬
‪‪27.00 M‬‬
‪‪36.00 M‬‬
Total revenue
Int. & Non-int. expenses
Op income
Expenses & adjustments
Net income
‪0.00‬
‪‪9.00 M‬‬
‪‪18.00 M‬‬
‪‪27.00 M‬‬
‪‪36.00 M‬‬

Revenue breakdown

Revenue streams and regions a business earns money from

By source/business
Period: 2024
Banking
Insurance
By country
Period: 2024
United States

Estimates

Revenue and Earnings forecasts and estimates accuracy

Revenue
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
‪‪9.00 M‬‬
‪‪18.00 M‬‬
‪‪27.00 M‬‬
‪‪36.00 M‬‬
Actual
Estimate
Earnings
Next:Apr 24, 2025
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
‪0.35‬
‪0.70‬
‪1.05‬
‪1.40‬
Actual
Estimate

Dividends

Dividend yield, history and sustainability

Dividend summary
33.78%
Earnings retained
Payout ratio (TTM)
Dividend yield TTM
3.11%
Last payment
0.32
Last ex-date
Feb 28, 2025
Dividend history
‪2.5%‬
‪2.9%‬
‪3.3%‬
‪3.7%‬
‪4.1%‬
2020
2021
2022
2023
2024
‪0.00‬
‪0.35‬
‪0.70‬
‪1.05‬
‪1.40‬
Dividends per share (FY)
Dividend yield (FY) %

Financial health

Financial position and solvency of the company

Loans and customer deposits
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪‪−700.00 M‬‬
‪0.00‬
‪‪700.00 M‬‬
‪‪1.40 B‬‬
‪‪2.10 B‬‬
Net loans
Total deposits
Loan loss allowances
Capital adequacy analysis
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪0.00‬
‪5.00‬
‪10.00‬
‪15.00‬
‪20.00‬
Common equity Tier 1 ratio
Tier 1 capital ratio
Total capital ratio