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

Carter Bankshares, Inc.

MidWestOne Financial Group, Inc.

CapStar Financial Holdings, Inc.

ACNB Corp.

Peoples Financial Services Corp.

Macatawa Bank Corp.

MVB Financial Corp.

Sierra Bancorp

First Bank (Hamilton, New Jersey)

Bank of Marin Bancorp

Sterling Bancorp, Inc. (Michigan)

Why is ACNB Corp. ?

High Profitability with a Net Interest Margin of 9.83%

With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26

The company has declared positive results for the last 4 consecutive quarters
OPERATING CASH FLOW(Y) Highest at USD 70.42 MM
NET SALES(HY) At USD 85.09 MM has Grown at 33.64%
NET PROFIT(HY) At USD 24.98 MM has Grown at 65.84%

With ROA of 0.88%, it has a fair valuation with a 1.21 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 37.04%, its profits have risen by 41.2% ; the PEG ratio of the company is 0.7

High Institutional Holdings at 42.23%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 1.49% over the previous quarter.

Market Beating Performance

The stock has generated a return of 37.04% in the last 1 year, much higher than market (S&P 500) returns of 22.93%

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?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

ACNB Corp.

37.04%

3.39

24.84%

S&P 500

22.93%

1.75

13.09%

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)

10.95%

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

42.23%

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

1.21

EV to EBIT

14.69

EV to EBITDA

12.52

EV to Capital Employed

1.14

EV to Sales

4.38

PEG Ratio

0.66

Dividend Yield

3.00%

ROCE (Latest)

7.76%

ROE (Latest)

11.24%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

No Trend

Mildly Bearish

OBV

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

18What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 70.42 MM

NET SALES(HY)

At USD 85.09 MM has Grown at 33.64%

NET PROFIT(HY)

At USD 24.98 MM has Grown at 65.84%

ROCE(HY)

Highest at 1.56%

DIVIDEND PER SHARE(HY)

Highest at USD 0

GROSS NPA (%)

-4What is not working for the Company

INTEREST(9M)

At USD 30.08 MM has Grown at 38.16%

ROCE(HY)

Lowest at 1.56%

Here's what is working for ACNB Corp.

Non Performing Loans (%)

Lowest at 0.41%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Net Sales

At USD 85.09 MM has Grown at 33.64%

Year on Year (YoY)

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Net Profit

At USD 24.98 MM has Grown at 65.84%

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 70.42 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Here's what is not working for ACNB Corp.

Interest

At USD 30.08 MM has Grown at 38.16%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)