Is ACNB Corp. overvalued or undervalued?

As of 21 November 2025, the valuation grade for ACNB Corp. has moved from expensive to fair. The company appears fairly valued based on its current metrics. Key ratios include a P/E ratio of 13, a Price to Book Value of 1.17, and an EV to EBITDA of 14.34. In comparison, Peoples Financial Services Corp. is very attractive with a P/E of 10.84, while First Bank (Hamilton, New Jersey) is also fair with a P/E of 11.62.
In terms of recent performance, ACNB Corp. has outperformed the S&P 500 with a year-to-date return of 22.04% compared to the S&P 500's 12.26%. This strong performance reinforces the view that the stock is fairly valued relative to its peers and market conditions.