ACNB Corp. (ACNB) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Peoples Financial Services Corp.

MidWestOne Financial Group, Inc.

ACNB Corp.

CapStar Financial Holdings, Inc.

First Bank (Hamilton, New Jersey)

Bank of Marin Bancorp

Macatawa Bank Corp.

Sierra Bancorp

MVB Financial Corp.

Carter Bankshares, Inc.

Sterling Bancorp, Inc. (Michigan)

Why is ACNB Corp. ?

High Profitability with a Net Interest Margin of 8.55%

With a growth in Interest of NAN%, the company declared Very Positive results in Jun 25

DIVIDEND PER SHARE(HY) Highest at USD 0
NET SALES(Q) Highest at USD 41.58 MM
NII(Q) Highest at USD 31.01 MM

With ROA of 0.63%, it has a expensive valuation with a 1.17 Price to Book Value

The stock is trading at a fair value compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 1.39%, its profits have risen by 17%

High Institutional Holdings at 37.67%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Real-Time Research Report

Verdict Report

How much should you buy?

Overall Portfolio exposure to ACNB Corp. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is ACNB Corp. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

ACNB Corp.

9.87%

2.11

27.05%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

11.26%

EBIT Growth (5y)

9.49%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

33.78%

Pledged Shares

Institutional Holding

37.67%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.17

EV to EBIT

17.09

EV to EBITDA

14.34

EV to Capital Employed

1.12

EV to Sales

5.04

PEG Ratio

Dividend Yield

2.61%

ROCE (Latest)

6.58%

ROE (Latest)

8.90%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

Mildly Bullish

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

20What is working for the Company

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 41.58 MM

NII(Q)

Highest at USD 31.01 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 30.61%

CASH AND EQV(HY)

Highest at USD 56.25 MM

OPERATING PROFIT(Q)

Highest at USD 16.83 MM

PRE-TAX PROFIT(Q)

Highest at USD 16.85 MM

NET PROFIT(Q)

Highest at USD 13.17 MM

-6What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 36.44 MM

INTEREST(9M)

At USD 26.03 MM has Grown at 72.67%

Here's what is working for ACNB Corp.

Net Sales

Highest at USD 41.58 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Net Sales

At USD 41.58 MM has Grown at 41.2%

over average net sales of the previous four periods of USD 29.45 MM

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

NII

Highest at USD 31.01 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Operating Profit

Highest at USD 16.83 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Pre-Tax Profit

Highest at USD 16.85 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 16.85 MM has Grown at 62.84%

over average net sales of the previous four periods of USD 10.35 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 13.17 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit

At USD 13.17 MM has Grown at 53.02%

over average net sales of the previous four periods of USD 8.6 MM

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Cash and Eqv

Highest at USD 56.25 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Dividend Payout Ratio

Highest at 30.61%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Here's what is not working for ACNB Corp.

Interest

At USD 26.03 MM has Grown at 72.67%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Operating Cash Flow

Lowest at USD 36.44 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)