ACNB (ACNB) Stock Price, News & Analysis

Company Overview

ACNB Corporation (NASDAQ: ACNB) is the bank holding company for ACNB Bank, a community-oriented financial institution headquartered in Clearfield, Pennsylvania. Established in 1879, the company provides a full range of banking and financial services to individuals, businesses, and nonprofit organizations. ACNB Bank’s offerings encompass retail and commercial deposit accounts, consumer and commercial loans, residential mortgage lending, wealth management, trust services, and treasury management solutions.

The company operates an extensive branch network across central Pennsylvania and the Southern Tier of New York. Through its branches, ACNB delivers relationship-based banking services tailored to local market needs, including small-business lending, agricultural financing, and personal lines of credit. The bank also extends its reach through digital banking platforms, enabling customers to access online and mobile banking tools for account management, bill payment, and mobile check deposit.

In addition to traditional banking products, ACNB offers comprehensive wealth management and trust services designed to help clients preserve and grow their assets. These services include investment advisory, estate planning, retirement planning, fiduciary management, and charitable giving strategies. The company’s experienced team of financial advisors, trust officers, and investment professionals work closely with clients to develop customized financial solutions.

ACNB Corporation is led by a seasoned executive management team and a board of directors with deep roots in the region it serves. The leadership group emphasizes strong community involvement, local economic development, and prudent risk management. Over its long history, ACNB has maintained a focus on building lasting customer relationships and supporting the growth of the communities within its footprint.

Key Stats

• Today's Range: $42.84 to $43.78
• 50-Day Range: $40.29 to $44.72
• 52-Week Range: $35.37 to $50.72
• Volume: 14,985 shs
• Average Volume: 25,797 shs
• Market Capitalization: $448.53 million
• P/E Ratio: 14.77
• Dividend Yield: 3.17%
• Price Target: $48.40
• Consensus Rating: Buy

ACNB Stock Analysis - MarketRank™

ACNB scored higher than 76% of companies evaluated by MarketBeat, and ranked 358th out of 936 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.5 / 5
• Analyst Rating: Buy

Consensus Rating

ACNB has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 4 buy ratings, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

ACNB has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 42.86%

Earnings Growth

Earnings for ACNB are expected to grow by 42.86% in the coming year, from $3.22 to $4.60 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of ACNB is 14.77, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.91.

Price to Earnings Ratio vs. Sector

The P/E ratio of ACNB is 14.77, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.04.

Price to Book Value per Share Ratio

ACNB has a P/B Ratio of 1.21. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

1.50% of the float of ACNB has been sold short.

Short Interest Ratio / Days to Cover

ACNB has a short interest ratio ("days to cover") of 5.1.

Change versus previous month

Short interest in ACNB has recently increased by 34.91%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

ACNB pays a meaningful dividend of 3.08%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

ACNB has been increasing its dividend for 8 years.

Dividend Coverage

The dividend payout ratio of ACNB is 46.90%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, ACNB will have a dividend payout ratio of 29.57% next year. This indicates that ACNB will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.50% of the float of ACNB has been sold short.

Short Interest Ratio / Days to Cover

ACNB has a short interest ratio ("days to cover") of 5.1.

Change versus previous month

Short interest in ACNB has recently increased by 34.91%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: 1.18

News Sentiment

ACNB has a news sentiment score of 1.18. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.95 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for ACNB this week, compared to 2 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, ACNB insiders have bought more of their company's stock than they have sold. Specifically, they have bought $246.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 3.53% of the stock of ACNB is held by insiders.

Percentage Held by Institutions

Only 32.35% of the stock of ACNB is held by institutions.

ACNB Stock Analysis - Frequently Asked Questions

How have ACNB shares performed this year?

ACNB's stock was trading at $39.83 on January 1st, 2025. Since then, ACNB stock has increased by 7.6% and is now trading at $42.84.

How were ACNB's earnings last quarter?

ACNB Corporation (NASDAQ:ACNB) announced its earnings results on Thursday, April, 24th. The bank reported $1.03 EPS for the quarter, topping the consensus estimate of $0.94 by $0.09. The bank earned $34.27 million during the quarter, compared to analysts' expectations of $32.65 million. ACNB had a net margin of 17.22% and a trailing twelve-month return on equity of 10.95%.

How do I buy shares of ACNB?

Shares of ACNB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of ACNB own?

Based on aggregate information from My MarketBeat watchlists, some other companies that ACNB investors own include Humana (HUM), American Water Works (AWK), Waste Connections (WCN), Voyager Therapeutics (VYGR), The RMR Group (RMR), iShares Micro-Cap ETF (IWC) and DiamondRock Hospitality (DRH).

Company Calendar

• Last Earnings: 4/24/2025
• Record date for 6/12 Dividend: 5/30/2025
• Ex-Dividend for 6/12 Dividend: 5/30/2025
• Dividend Payable: 6/12/2025
• Today: 7/11/2025
• Next Earnings (Estimated): 7/23/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHWEST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:ACNB
• CIK: 715579
• Web: www.acnb.com
• Phone: (717) 334-3161
• Fax: 717-334-8670
• Employees: 400
• Year Founded: N/A

Price Target and Rating

• Average Price Target for ACNB: $48.40
• High Price Target: $53.00
• Low Price Target: $45.00
• Potential Upside/Downside: +11.5%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.90
• Trailing P/E Ratio: 14.97
• Forward P/E Ratio: 13.48
• P/E Growth: N/A
• Net Income: $31.85 million
• Net Margins: 17.22%
• Pretax Margin: 21.76%
• Return on Equity: 10.95%
• Return on Assets: 1.34%

Debt

• Debt-to-Equity Ratio: 0.66
• Current Ratio: 0.95
• Quick Ratio: 0.94

Sales & Book Value

• Annual Sales: $132.20 million
• Price / Sales: 3.44
• Cash Flow: $4.21 per share
• Price / Cash Flow: 10.30
• Book Value: $35.48 per share
• Price / Book: 1.22

Miscellaneous

• Outstanding Shares: 10,470,000
• Free Float: 10,104,000
• Market Cap: $454.45 million
• Optionable: Optionable
• Beta: 0.84