Is ACNB Corp. overvalued or undervalued?

As of 21 November 2025, the valuation grade for ACNB Corp. has moved from expensive to fair, indicating a more favorable assessment of its market position. Based on the current metrics, ACNB Corp. appears fairly valued. The P/E ratio stands at 13, the Price to Book Value is 1.17, and the EV to EBITDA ratio is 14.34, which suggest that the company is competitively positioned within its industry.
In comparison to its peers, ACNB Corp.'s P/E ratio of 13.51 is lower than that of Carter Bankshares, Inc. at 14.43, but higher than Peoples Financial Services Corp. at 10.84, highlighting a mixed competitive landscape. Notably, the company has outperformed the S&P 500 in the year-to-date return, achieving 20.91% compared to the index's 12.26%, which reinforces the narrative of its fair valuation amidst a challenging market.