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

Comparison

Company

Score

Quality

Valuation

Financial

Technical

MidWestOne Financial Group, Inc.

Peoples Financial Services Corp.

ACNB Corp.

CapStar Financial Holdings, Inc.

First Bank (Hamilton, New Jersey)

Sierra Bancorp

Macatawa Bank Corp.

Carter Bankshares, Inc.

MVB Financial Corp.

Bank of Marin Bancorp

Sterling Bancorp, Inc. (Michigan)

Why is ACNB Corp. ?

High Profitability with a Net Interest Margin of 9.83%

Positive results in Dec 25

NII(Q) Highest at USD 32.85 MM
OPERATING CASH FLOW(Y) Highest at USD 40.91 MM
NET PROFIT(HY) At USD 26.28 MM has Grown at 70.89%

With ROA of 0.66%, it has a fair valuation with a 1.22 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 15.19%, its profits have risen by 16.4%

High Institutional Holdings at 40.74%

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 hold?

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.

15.19%

1.93

25.33%

S&P 500

20.12%

1.04

19.28%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

13.86%

EBIT Growth (5y)

11.14%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

38.33%

Pledged Shares

Institutional Holding

40.74%

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

1.22

EV to EBIT

17.33

EV to EBITDA

14.55

EV to Capital Employed

1.15

EV to Sales

4.83

PEG Ratio

Dividend Yield

2.64%

ROCE (Latest)

6.66%

ROE (Latest)

9.19%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bearish

OBV

Mildly Bearish

Mildly Bullish

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

22What is working for the Company

NII(Q)

Highest at USD 32.85 MM

OPERATING CASH FLOW(Y)

Highest at USD 40.91 MM

NET PROFIT(HY)

At USD 26.28 MM has Grown at 70.89%

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 42.86 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 95.12%

-3What is not working for the Company

INTEREST(9M)

At USD 30.92 MM has Grown at 67.39%

Here's what is working for ACNB Corp.

NII

Highest at USD 32.85 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 42.86 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 Profit

At USD 26.28 MM has Grown at 70.89%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (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 Cash Flow

Highest at USD 40.91 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Credit Deposit Ratio

Highest at 95.12%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for ACNB Corp.

Interest

At USD 30.92 MM has Grown at 67.39%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)