📊 ACNB Key Takeaways
Is Acnb Corp. (ACNB) a Good Investment?
ACNB demonstrates strong earnings growth (+16.3% YoY) and excellent cash flow generation (47.5% FCF margin), but is plagued by alarmingly low returns on equity (3.2%) and assets (0.4%), far below industry standards for financial institutions. This capital inefficiency, combined with a tight interest coverage ratio of 1.8x, suggests potential asset quality deterioration or structural operational issues that warrant caution.
ACNB shows solid fundamental momentum, with double-digit revenue and net income growth alongside healthy operating profitability and strong free cash flow generation. Financial health appears sound with moderate leverage and positive returns on assets and equity, but the declining diluted EPS and thin interest coverage suggest some caution on growth quality and balance sheet flexibility.
Acnb Corp. Key Strengths (ACNB)
- Strong revenue growth (+17.5% YoY) and net income expansion (+16.3% YoY)
- Excellent free cash flow generation ($24.0M) with 47.5% FCF margin despite capital-light operations
- Moderate leverage with Debt/Equity ratio of 0.51x providing financial flexibility
- Revenue and net income are growing at a healthy double-digit pace, indicating improving core earnings power
- Profitability is solid for a regional bank, with 24.2% operating margin, 19.3% net margin, and 1.1% ROA
- Free cash flow is strong at $52.57M with low capital spending requirements, supporting internal capital generation
ACNB Stock Risks: Acnb Corp. Investment Risks
- Critically low ROE of 3.2% and ROA of 0.4%—substantially below banking sector norms, suggesting asset quality or credit loss issues
- Tight interest coverage ratio of 1.8x leaves minimal cushion for adverse economic conditions or rate pressures
- EPS declining 3.5% YoY despite 16.3% net income growth indicates shareholder dilution and potential capital structure deterioration
- Diluted EPS declined year over year despite higher net income, which may indicate dilution or weaker per-share earnings quality
- Interest coverage of 1.2x is thin and suggests limited earnings cushion relative to interest burden
- ROE of 8.8% is respectable but not especially strong, which may limit upside if profitability stalls
Key Metrics to Watch
- Return on Equity trend—must improve materially above 3.2% to demonstrate productive capital deployment
- Non-performing assets and loan loss provision rates—likely driver of depressed ROE/ROA
- Interest coverage ratio trajectory—critical for financial stability under stress scenarios
- Diluted EPS trend versus net income growth
- Interest coverage and overall funding cost pressure
Acnb Corp. (ACNB) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 47.5% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
ACNB Profit Margin, ROE & Profitability Analysis
ACNB vs Finance Sector: How Acnb Corp. Compares
How Acnb Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Acnb Corp. Stock Overvalued? ACNB Valuation Analysis 2026
Based on fundamental analysis, Acnb Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Acnb Corp. Balance Sheet: ACNB Debt, Cash & Liquidity
ACNB Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Acnb Corp.'s revenue has grown significantly by 45% over the 5-year period, indicating strong business expansion. The most recent EPS of $3.71 reflects profitable operations.
ACNB Revenue Growth, EPS Growth & YoY Performance
ACNB Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $43.5M | -$272.0K | $-0.03 |
| Q3 2025 | $34.1M | -$272.0K | $0.84 |
| Q2 2025 | $33.3M | -$272.0K | $1.11 |
| Q1 2025 | $31.6M | -$272.0K | $-0.03 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Acnb Corp. Dividends, Buybacks & Capital Allocation
ACNB SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Acnb Corp. (CIK: 0000715579)
📋 Recent SEC Filings
❓ Frequently Asked Questions about ACNB
What is the AI rating for ACNB?
Acnb Corp. (ACNB) has a Combined AI Grade of B from Claude (C) and ChatGPT (A) with 72% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are ACNB's key strengths?
Claude: Strong revenue growth (+17.5% YoY) and net income expansion (+16.3% YoY). Excellent free cash flow generation ($24.0M) with 47.5% FCF margin despite capital-light operations. ChatGPT: Revenue and net income are growing at a healthy double-digit pace, indicating improving core earnings power. Profitability is solid for a regional bank, with 24.2% operating margin, 19.3% net margin, and 1.1% ROA.
What are the risks of investing in ACNB?
Claude: Critically low ROE of 3.2% and ROA of 0.4%—substantially below banking sector norms, suggesting asset quality or credit loss issues. Tight interest coverage ratio of 1.8x leaves minimal cushion for adverse economic conditions or rate pressures. ChatGPT: Diluted EPS declined year over year despite higher net income, which may indicate dilution or weaker per-share earnings quality. Interest coverage of 1.2x is thin and suggests limited earnings cushion relative to interest burden.
What is ACNB's revenue and growth?
Acnb Corp. reported revenue of $50.5M.
Does ACNB pay dividends?
Acnb Corp. pays dividends, with $3.9M distributed to shareholders in the trailing twelve months.
Where can I find ACNB SEC filings?
Official SEC filings for Acnb Corp. (CIK: 0000715579) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is ACNB's EPS?
Acnb Corp. has a diluted EPS of $1.32.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is ACNB's fundamental grade?
Based on our AI fundamental analysis in June 2026, Acnb Corp. has a B grade with 72% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is ACNB stock overvalued or undervalued?
Valuation metrics for ACNB: ROE of 3.2% (sector avg: 12%), net margin of 27.1% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is ACNB's AI grade for 2026?
Our dual AI analysis gives Acnb Corp. a combined B grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is ACNB's free cash flow?
Acnb Corp.'s operating cash flow is $24.3M, with capital expenditures of $334.0K. FCF margin is 47.5%.
How does ACNB compare to other Finance stocks?
Vs Finance sector averages: Net margin 27.1% (avg: 25%), ROE 3.2% (avg: 12%), current ratio N/A (avg: 1.2).