ACNB Corporation (ACNB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
ACNB Corporation stock (ACNB) is currently trading at $47.20. ACNB Corporation PE ratio is 12.78. ACNB Corporation PS ratio (Price-to-Sales) is 3.25. Analyst consensus price target for ACNB is $56.67. WallStSmart rates ACNB as Moderate Buy.
- ACNB PE ratio analysis and historical PE chart
- ACNB PS ratio (Price-to-Sales) history and trend
- ACNB intrinsic value — DCF, Graham Number, EPV models
- ACNB stock price prediction 2025 2026 2027 2028 2029 2030
- ACNB fair value vs current price
- ACNB insider transactions and insider buying
- Is ACNB undervalued or overvalued?
- ACNB Corporation financial analysis — revenue, earnings, cash flow
- ACNB Piotroski F-Score and Altman Z-Score
- ACNB analyst price target and Smart Rating
ACNB Corporation
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ACNB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · ACNB Corporation (ACNB)
ACNB trades at a significant discount to its Graham intrinsic value of $168.48, offering a 69% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
ACNB Corporation (ACNB) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
ACNB Corporation (ACNB) Key Strengths (5)
Keeps $42 of every $100 in revenue after operating costs
Revenue surging 37.60% year-over-year
Earnings per share surging 34.80% year-over-year
Keeps $25 of every $100 in revenue as net profit
Trading at 1.14x book value, attractively priced
Supporting Valuation Data
ACNB Corporation (ACNB) Areas to Watch (4)
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 3.25x sales
Moderate institutional interest at 39.58%
ACNB Corporation (ACNB) Detailed Analysis Report
Overall Assessment
This company scores 71/100 in our Smart Analysis, earning a B grade. Out of 9 metrics analyzed, 5 register as strengths (avg 9.6/10) while 4 fall into concern territory (avg 5.5/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Revenue Growth, EPS Growth. Valuation metrics including Price/Book (1.14) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 41.90%, Profit Margin at 25.30%. Growth metrics are encouraging with Revenue Growth at 37.60%, EPS Growth at 34.80%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (3.25) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 10.20%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 10.20% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 37.60% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Revenue Growth makes a compelling case at current levels. The key risk is Market Cap, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
ACNB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
ACNB's Price-to-Sales ratio of 3.25x sits near its historical average of 3.64x (46th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 49% below its historical high of 6.38x set in Nov 2016, and 95% above its historical low of 1.67x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for ACNB Corporation (ACNB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
ACNB Corporation is a strong growth company balancing expansion with improving profitability. Revenue reached 147M with 38% growth year-over-year. Profit margins are strong at 25.3%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 38% YoY, reaching 147M. This pace significantly outperforms most BANKS - REGIONAL peers.
Profit margin of 25.3% and operating margin of 41.9% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Growth sustainability: can ACNB Corporation maintain 38%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact ACNB Corporation.
Bottom Line
ACNB Corporation offers an attractive blend of growth (38% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(40 last 3 months)
| Insider | Type | Shares |
|---|---|---|
HAYES, KEVIN J SVP/Secretary & Gen. Counsel | Sell | -750 |
| Insider | Type | Shares |
|---|---|---|
FULK, BRETT D ACNB Bank EVP | Sell | -1,486.128 |
Data sourced from SEC Form 4 filings
Last updated: 2:28:53 PM
About ACNB Corporation(ACNB)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
ACNB Corporation, a financial holding company, provides banking, insurance and financial services to individual, commercial and government clients in the United States. The company is headquartered in Gettysburg, Pennsylvania.