# ACNB Corporation (ACNB) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $66.17, market value $673 million.

## Valuation
- **P/E (trailing): 12.6×** (5-yr avg 10.2×, 3-yr avg 11.4×). ACNB Corporation trades at 12.6× trailing earnings, well above its own five-year average of 10.2×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.6×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 3.3×**. Each dollar of revenue is priced at 3.3×.
- **Price / book: 1.6×**. The shares trade at 1.6× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 8.2%** (5-yr avg 12.8%). Free cash flow equals 8.2% of the market value, below its five-year average of 12.8%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.0%**. The inverse of the P/E: 8.0% of the price is earned each year.

## Profitability
- **Net margin: 19.3%**. 19.3% of each dollar of sales reaches the bottom line.
- **Return on equity: 8.8%**. 8.8% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 1.7%**. Each dollar of assets produces 1.7% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 45.1%** (3-yr 20.8%/yr). Revenue grew 45.1% over the last year.
- **EPS growth (1 yr): -3.5%** (3-yr -4.6%/yr, 5-yr 11.1%/yr). Earnings per share fell 3.5%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 12.0%/yr**. Free cash flow has compounded at 12.0% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $66 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.78%** ($1.60 per share, trailing). ACNB Corporation yields 2.78%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 39%** (37% of free cash flow). 39% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 18**. 18 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 6.7%/yr** (1-yr 9.5%). The dividend has grown 6.7% a year over five years.

## Analyst view
- **Analyst consensus: buy** (3 analysts). 3 analysts cover ACNB Corporation; the consensus is buy, with an average price target of $70.33 (+6% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 53.4%** (YTD 42.3%, 3-mo 4.0%). The shares are up 53.4% over twelve months including dividends.
- **From 52-week high: -2.1%** (55.3% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 70**. An RSI of 70 is in overbought territory; short-term pullbacks are common from here.
- **Beta (1 yr): 0.29** (volatility 23%). Beta of 0.29 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=ACNB · Page: https://foliofundamentals.com/stocks/acnb

Not investment advice.