ACNB Corporation (ACNB) 10-Year Financial Performance & Capital Metrics

ACNB • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingNortheast Community Banks

AboutACNB Corporation, a financial holding company, provides banking, insurance, and financial services to individual, business, and government customers in the United States. The company offers checking, savings, and money market deposit accounts, as well as time deposits and debit cards. It also provides commercial lending products, such as commercial mortgages, real estate development and construction loans, accounts receivable and inventory financing, and agricultural and governmental loans; consumer lending products, including home equity loans and lines of credit, automobile and recreational vehicle loans, manufactured housing loans, and personal lines of credit; and mortgage lending programs include personal residential mortgages, and residential construction and investment mortgage loans. In addition, the company provides other services that are related to testamentary trusts, life insurance trusts, charitable remainder trusts, guardianships, powers of attorney, custodial accounts, and investment management and advisory accounts; and retail brokerage services. Further, it acts as a trustee to invest in, protect, manage, and distribute financial assets. Additionally, the company offers property and casualty, health, life, and disability insurance products to commercial and individual clients; and online, telephone, and mobile banking, as well as automated teller machine services. As of December 31, 2021, it operated through a network of 19 community banking offices located in Pennsylvania, including 12 offices in Adams county, five offices in York county, one office in Cumberland County, and one office in Franklin County; five community banking offices located in Frederick County; six community banking offices located in Carroll county, Maryland; and loan offices located in Lancaster and York, Pennsylvania, and Hunt Valley, Maryland. The company was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.Show more

Net Interest Income $83M -6.1%
Total Revenue $132M +15.2%
Net Income $32M +0.5%
Return on Equity 10.97% -9.6%
Net Interest Margin 3.45% -5.1%
Efficiency Ratio 53.47% -6.7%
ROA 1.32% +3.2%
Equity / Assets 12.66% +10.4%
Book Value per Share 35.52 +9.3%
Tangible BV/Share 29.43 +12.1%
Debt/Equity 0.90 -1.6%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 53.5% efficiency ratio
✓Well capitalized: 12.7% equity/assets
✓Healthy dividend yield of 2.5%
✓Trading at only 1.4x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y10.34%

5Y8.55%

3Y9.41%

TTM-

Profit (Net Income) CAGR

10Y11.96%

5Y6.07%

3Y4.59%

TTM-19.28%

EPS CAGR

10Y8.11%

5Y2.11%

3Y5.35%

TTM-26.44%

ROCE

10Y Avg9.33%

5Y Avg10.1%

3Y Avg10.78%

Latest7.44%

Peer Comparison

Northeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
DCOMDime Community Bancshares, Inc.	1.37B	31.13	56.60	0.1%	4.5%	4.02%	6.79%	0.70
EBCEastern Bankshares, Inc.	4.4B	19.56	29.64	91.64%	11.17%	1.3%	6.14%	0.01
LYGLloyds Banking Group plc	80.5B	5.48	21.92	10.79%	11.75%	9.93%		1.76
CFGCitizens Financial Group, Inc.	26.03B	60.61	20.00	1.31%	12.22%	6.6%	7.22%	0.51
PFSProvident Financial Services, Inc.	2.65B	20.29	19.32	63.91%	10.13%	7.51%	16.04%	0.93
CBUCommunity Bank System, Inc.	3.3B	62.73	18.24	24.44%	19.4%	10.34%	6.71%	0.57
VLYValley National Bancorp	6.7B	12.02	17.42	6.51%	10.65%	6.53%	8.18%	0.50
INDBIndependent Bank Corp.	3.8B	76.62	16.95	6.89%	19.72%	7.76%	5.51%	0.23

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	35.3M	36.35M	46.1M	56.8M	59.09M	72.76M	71.01M	83.32M	87.99M	82.64M
NII Growth %	0.05%	0.03%	0.27%	0.23%	0.04%	0.23%	-0.02%	0.17%	0.06%	-0.06%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	39.16M	40.29M	51.53M	64.19M	69.23M	84.98M	77.93M	86.94M	96.31M	106.5M
Interest Expense	3.86M	3.93M	5.43M	7.4M	10.14M	12.22M	6.92M	3.62M	8.32M	23.85M
Loan Loss Provision	0	0	0	1.62M	600K	9.14M	50K	0	844K	-2.76M
Non-Interest Income+	12.71M	12.97M	14.4M	16.25M	18.5M	20.4M	23.01M	21.49M	18.44M	25.7M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	51.87M	53.26M	65.93M	80.44M	87.73M	105.38M	100.94M	108.44M	114.75M	132.19M
Revenue Growth %	0.05%	0.03%	0.24%	0.22%	0.09%	0.2%	-0.04%	0.07%	0.06%	0.15%
Non-Interest Expense	33.23M	34.69M	44.08M	44.7M	47.62M	61.32M	58.95M	59.86M	65.73M	70.69M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	14.78M	14.64M	16.42M	26.72M	29.37M	22.7M	35.02M	44.95M	39.85M	40.42M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.11%	-0.01%	0.12%	0.63%	0.1%	-0.23%	0.54%	0.28%	-0.11%	0.01%
Pretax Income+	14.78M	14.64M	16.42M	26.72M	29.37M	22.7M	35.02M	44.95M	39.85M	40.42M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	3.76M	3.77M	6.63M	4.97M	5.64M	4.31M	7.18M	9.2M	8.16M	8.57M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	11.02M	10.87M	9.79M	21.75M	23.72M	18.39M	27.83M	35.75M	31.69M	31.85M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.07%	-0.01%	-0.1%	1.22%	0.09%	-0.22%	0.51%	0.28%	-0.11%	0%
Net Income (Continuing)	11.02M	10.87M	9.79M	21.75M	23.72M	18.39M	27.83M	35.75M	31.69M	31.85M
EPS (Diluted)+	1.83	1.80	1.50	3.09	3.36	2.13	3.19	4.15	3.71	3.73
EPS Growth %	0.07%	-0.02%	-0.17%	1.06%	0.09%	-0.37%	0.5%	0.3%	-0.11%	0.01%
EPS (Basic)	1.83	1.80	1.50	3.09	3.36	2.13	3.19	4.15	3.72	3.75
Diluted Shares Outstanding	6.03M	6.05M	6.54M	7.04M	7.06M	8.64M	8.71M	8.52M	8.54M	8.54M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	18.76M	18.93M	34.44M	40.91M	114.36M	399.35M	710.13M	168.16M	65.96M	47.26M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	1.04B	1.1B	1.44B	1.48B	1.48B	1.98B	1.9B	2.15B	2.13B	2.13B
Investments Growth %	0.06%	0.05%	0.31%	0.03%	-0%	0.34%	-0.04%	0.13%	-0.01%	-0%
Long-Term Investments	915.51M	954.21M	1.28B	1.32B	1.28B	1.64B	1.46B	1.59B	1.67B	2.11B
Accounts Receivables	0	0	0	0	0	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	6.31M	6.31M	19.58M	19.58M	19.58M	42.11M	42.11M	44.19M	44.19M	44.19M
Intangible Assets	1.03M	688K	2.57M	4.41M	4.43M	7.26M	6.1M	10.33M	9.08M	7.84M
PP&E (Net)	18.04M	18.15M	26.77M	26.41M	29.23M	36.16M	34.25M	30.21M	28.9M	28.12M
Other Assets	62.58M	65.04M	73.38M	74.65M	77.44M	90.33M	94.3M	126.97M	144.2M	141.02M
Total Current Assets	144.45M	161.92M	193.49M	202.63M	305.19M	737.07M	1.15B	721.72M	517.65M	64.85M
Total Non-Current Assets	1B	1.04B	1.4B	1.45B	1.42B	1.82B	1.64B	1.8B	1.9B	2.33B
Total Assets+	1.15B	1.21B	1.6B	1.65B	1.72B	2.56B	2.79B	2.53B	2.42B	2.39B
Asset Growth %	0.05%	0.05%	0.32%	0.03%	0.04%	0.49%	0.09%	-0.09%	-0.04%	-0.01%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	111.7M	108.84M	131.51M	118.16M	103.98M	95.35M	73.17M	66.12M	254.79M	273.92M
Net Debt	92.94M	89.91M	97.07M	77.26M	-10.37M	-304M	-636.96M	-102.05M	188.83M	226.66M
Long-Term Debt	76.5M	74.25M	94.6M	83.52M	66.3M	53.74M	34.7M	21M	195.29M	255.33M
Short-Term Debt	35.2M	34.59M	36.91M	34.65M	34.19M	38.46M	35.2M	41.95M	56.88M	15.83M
Other Liabilities	8.53M	9.8M	11.47M	13.33M	14.49M	16.52M	15.31M	15.37M	24.78M	25.13M
Total Current Liabilities	948.18M	1B	1.34B	1.38B	1.45B	2.22B	2.46B	2.24B	1.92B	1.81B
Total Non-Current Liabilities	85.03M	84.05M	106.07M	96.85M	84.29M	73.4M	53.28M	39.54M	222.69M	283.23M
Total Liabilities	1.03B	1.09B	1.44B	1.48B	1.53B	2.3B	2.51B	2.28B	2.14B	2.09B
Total Equity+	114.72M	120.06M	153.97M	168.14M	189.52M	257.97M	272.11M	245.04M	277.46M	303.27M
Equity Growth %	0.04%	0.05%	0.28%	0.09%	0.13%	0.36%	0.05%	-0.1%	0.13%	0.09%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.1%	0.09%	0.07%	0.14%	0.13%	0.08%	0.11%	0.14%	0.12%	0.11%
Book Value per Share	19.04	19.84	23.53	23.90	26.84	29.86	31.22	28.78	32.50	35.52
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	15.26M	15.32M	17.72M	17.77M	17.86M	21.92M	21.98M	22.09M	22.23M	22.36M
Additional Paid-in Capital	10.39M	10.94M	37.78M	38.45M	39.58M	94.05M	94.69M	96.02M	97.6M	99.16M
Retained Earnings	94.53M	100.56M	106.29M	121.86M	138.66M	148.37M	167.24M	193.87M	213.49M	234.62M
Accumulated OCI	-4.73M	-6.02M	-7.09M	-9.22M	-5.85M	-5.64M	-9.54M	-58.01M	-44.91M	-41.67M
Treasury Stock	-728K	-728K	-728K	-728K	-728K	-728K	-2.25M	-8.93M	-10.95M	-11.2M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	14.38M	12.12M	17.01M	29.54M	25.72M	25.47M	42.13M	39.2M	40.6M	39.78M
Operating CF Growth %	0.33%	-0.16%	0.4%	0.74%	-0.13%	-0.01%	0.65%	-0.07%	0.04%	-0.02%
Net Income	11.02M	10.87M	9.79M	21.75M	23.72M	18.39M	27.83M	35.75M	31.69M	31.85M
Depreciation & Amortization	1.75M	1.8M	2.29M	2.85M	2.7M	3.65M	3.44M	3.8M	3.36M	3.03M
Deferred Taxes	392K	171K	1.71M	557K	120K	-1.04M	0	0	0	0
Other Non-Cash Items	-1.36M	-1.23M	-2.26M	2M	-2.69M	5.23M	8.51M	2.85M	4.38M	-3.25M
Working Capital Changes	2.58M	454K	5.35M	2.2M	1.56M	-1.19M	1.98M	-3.92M	164K	6.89M
Cash from Investing+	-64.14M	-59.44M	-51.95M	-53.62M	8.02M	-114.85M	60.52M	-331.72M	15.44M	2.43M
Purchase of Investments	-44.48M	-50.44M	-30.14M	-39.13M	-45.34M	-218.03M	-216.79M	-306.75M	-48.84M	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-173K	0	6.44M	-2.58M	-640K	34.72M	0	-7.38M	-174K	0
Other Investing	-53.81M	-53.08M	-71.59M	-61.21M	28.24M	-35.9M	169.7M	-82.26M	-93.91M	-56.38M
Cash from Financing+	48.85M	47.49M	50.46M	30.54M	39.71M	374.37M	208.13M	-249.45M	-158.24M	-60.91M
Dividends Paid	-4.82M	-4.84M	-5.23M	-6.26M	-6.92M	-8.69M	-8.97M	-9.12M	-9.7M	-10.71M
Share Repurchases	0	0	0	0	0	0	-1.52M	-6.68M	-2.03M	-249K
Stock Issued	499K	556K	482K	541K	892K	824K	60K	713K	721K	424K
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	1000K	-1000K	-1000K	-1000K	-1000K	-1000K	1000K	1000K
Other Financing	68.1M	54.64M	37.54M	49.6M	64.17M	399.21M	240.86M	-227.41M	-337.16M	-69.31M
Net Change in Cash+	-916K	174K	15.51M	6.46M	73.45M	285M	310.78M	-541.97M	-102.2M	-18.7M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	19.67M	18.76M	18.93M	34.44M	40.91M	114.36M	399.35M	710.13M	168.16M	65.96M
Cash at End	18.76M	18.93M	34.44M	40.91M	114.36M	399.35M	710.13M	168.16M	65.96M	47.26M
Interest Paid	3.82M	3.91M	5.11M	7.2M	8.83M	13.6M	8.24M	3.68M	7.16M	23.1M
Income Taxes Paid	1.98M	4.35M	3.85M	4.6M	5.2M	5.9M	7.4M	7.22M	10.03M	6.63M
Free Cash Flow+	12.64M	9.78M	15.25M	27.8M	24.3M	24.42M	40.55M	37.39M	39.43M	38.82M
FCF Growth %	0.65%	-0.23%	0.56%	0.82%	-0.13%	0.01%	0.66%	-0.08%	0.05%	-0.02%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	9.8%	9.26%	7.14%	13.5%	13.26%	8.22%	10.5%	13.83%	12.13%	10.97%
Return on Assets (ROA)	0.98%	0.92%	0.7%	1.34%	1.41%	0.86%	1.04%	1.35%	1.28%	1.32%
Net Interest Margin	3.08%	3.01%	2.89%	3.45%	3.43%	2.85%	2.55%	3.3%	3.64%	3.45%
Efficiency Ratio	64.07%	65.13%	66.85%	55.57%	54.28%	58.19%	58.4%	55.2%	57.29%	53.47%
Equity / Assets	9.99%	9.95%	9.65%	10.2%	11.02%	10.1%	9.76%	9.7%	11.47%	12.66%
Book Value / Share	19.04	19.84	23.53	23.9	26.84	29.86	31.22	28.78	32.5	35.52
NII Growth	4.81%	2.97%	26.81%	23.2%	4.04%	23.13%	-2.4%	17.33%	5.6%	-6.08%
Dividend Payout	43.75%	44.53%	53.46%	28.79%	29.17%	47.22%	32.22%	25.5%	30.62%	33.64%

Revenue by Segment

	2018	2019	2020	2021	2022	2023	2024
Fiduciary and Trust	2.36M	2.47M	2.67M	3.17M	3.16M	3.64M	4.23M
Fiduciary and Trust Growth	-	4.44%	8.22%	18.60%	-0.28%	15.32%	15.97%
Deposit Account	3.35M	3.9M	3.35M	3.51M	4.07M	3.96M	4.14M
Deposit Account Growth	-	16.51%	-14.04%	4.62%	15.84%	-2.66%	4.70%
ATM Service Charges and Debit Card Transactions	-	-	2.95M	3.39M	3.32M	3.35M	3.3M
ATM Service Charges and Debit Card Transactions Growth	-	-	-	14.97%	-1.92%	0.78%	-1.34%
Mortgage Banking	-	-	2.33M	3.39M	487K	56K	301K
Mortgage Banking Growth	-	-	-	45.56%	-85.65%	-88.50%	437.50%
Financial Service, Other	2.38M	2.44M	-	-	-	-	-
Financial Service, Other Growth	-	2.91%	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

ACNB Corporation (ACNB) has a price-to-earnings (P/E) ratio of 13.3x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

ACNB Corporation (ACNB) grew revenue by 15.2% over the past year. This is strong growth.

Yes, ACNB Corporation (ACNB) is profitable, generating $25.2M in net income for fiscal year 2024 (24.1% net margin).

Dividend & Returns

Yes, ACNB Corporation (ACNB) pays a dividend with a yield of 2.53%. This makes it attractive for income-focused investors.

ACNB Corporation (ACNB) has a return on equity (ROE) of 11.0%. This is reasonable for most industries.

Industry Metrics

ACNB Corporation (ACNB) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.

ACNB Corporation (ACNB) has an efficiency ratio of 53.5%. This is excellent, indicating strong cost control.

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