profit from every $100 of sales.
$0$100
ACNB
$66.74-0.07% today
+38.1% in 1 year
1-year low $45.291-year high $67.51
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $18.31 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What ACNB sold, what it kept, and what it did with the cash.
Sales went from $105 million in 2022 to $152 million in 2025, with $37.1 million of profit last year.
SalesProfit
ACNB handed back 49% of the cash it generated last year.
Buybacks $11M$14M
Free cash flow 2025$53M
Bought back its own shares$11M
Paid as dividends$14M
Cash vs. debt$66M vs. $305M
ACNB vs. similar companies
ACNB grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| ACNB | 18.3× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads ACNB's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 105 | 106 | 108 | 152 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 36 | 32 | 32 | 37 | |
| 4.15 | 3.71 | 3.73 | 3.60 | |
| – | – | – | – | |
| – | – | – | – | |
| 34.1% | 29.8% | 29.4% | 24.4% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 2,526 | 2,419 | 2,395 | 3,228 |
| Cash | 168 | 66 | 47 | 66 |
| Total debt | 24 | 225 | 258 | 305 |
| Total liabilities | 2,280 | 2,141 | 2,092 | 2,808 |
| 245 | 277 | 303 | 420 | |
| 9 | 9 | 9 | 10 | |
| – | – | – | – | |
| 14.6% | 11.4% | 10.5% | 8.8% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 39 | 41 | 40 | 54 | |
| 2 | 1 | 1 | 1 | |
| 37 | 39 | 39 | 53 | |
| Dividends paid | 9 | 10 | 11 | 14 |
| 7 | 2 | 0 | 11 | |
| 1 | 1 | 1 | 1 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 18.3×
- 12.5×
- –
- 1.3×
- 4.5×
- 5.5%
- 2.8%
Profitability
- 24.4%
- 7.2%
- 7.2%
- 12.4%
- 1.6%
Growth
- +13.1%
- −4.6%
- +6.7%
- +4.2%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 38%of 748
Top 30%of 603
Bottom 35%of 873
Top 38%of 883
Top 33%of 933
What analysts expect
- Average price target
- $58.00
- Range
- $58.00 – $58.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 1.32 | 1.26 | +4.8% |
| Jan 22, 2026 | 1.35 | 1.26 | +7.1% |
| Oct 23, 2025 | 1.42 | 1.20 | +18.3% |
| Jul 24, 2025 | 1.11 | 1.14 | −2.6% |
| Apr 24, 2025 | 1.03 | 0.94 | +9.6% |
| Jan 23, 2025 | 0.77 | 0.83 | −7.2% |
| Oct 24, 2024 | 0.84 | 0.92 | −8.7% |
| Jul 24, 2024 | 1.32 | 0.84 | +57.1% |
2.8%of the share price, paid each year
On $1,000 invested$28a year at today's yield, before tax
+6.7%2020 to 2025
Raised8 yearsin a row, in our data
Paid per share, each year
$0.80 in 2015 → $1.38 in 2025
How safe it looks
38.8% of its profit
Room to growStretchedMore than it earns: 27.4%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
58No pass
Benjamin Graham
63Pass
Philip Fisher
59No pass
Peter Lynch
39No pass
Joel Greenblatt
15No pass
Charlie Munger
45No pass
Terry Smith
51No pass
Questions about ACNB
Is ACNB a good stock to buy?
A strong, very profitable business at a fair price. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the ACNB AI analysis
What does ACNB do?
ACNB Corporation, a financial holding company, provides banking, insurance, and financial services to individual, business, and government customers in the United States. It is in Banks - Regional.
Does ACNB pay a dividend?
Yes. At today's price the dividend is 2.8% a year, about 39% of its yearly profit. In 2025 it paid out $14.4 million in dividends.
Is ACNB stock halal?
No. ACNB does not pass our halal screen: its main business, banking, is not permitted. How we check
How has ACNB stock done over the past year?
Up 38.1% over the past twelve months, to $66.74. It traded between $45.29 and $67.51, close to its high.
Who are ACNB's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with ACNB's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.