ACNB Corporation (ACNB) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
16.10
↑+39% vs avg
5yr avg: 11.57
30Y Low4.9·High25.5
P/FCF
↑
10.42
+19% vs avg
5yr avg: 8.74
30Y Low5.1·High64.5
P/B Ratio
↑
1.30
+7% vs avg
5yr avg: 1.21
30Y Low0.8·High2.3
ROE
↓
10.2%
-11% vs avg
5yr avg: 11.5%
30Y Low7%·High15%
Debt/EBITDA
↑
6.19
↑+43% vs avg
5yr avg: 4.33
30Y Low1.4·High19.6
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
ACNB Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
ACNB Corporation trades at 14.7x earnings, 32% above its 5-year average of 11.1x, sitting at the 77th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.3x, the stock trades at a premium of 10%. On a free-cash-flow basis, the stock trades at 10.4x P/FCF, 19% above the 5-year average of 8.7x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $548M | $498M | $340M | $382M | $339M | $273M | $216M | $267M | $276M | $193M | $189M |
| Enterprise Value | $856M | $806M | $567M | $571M | $237M | $-364356115 | $-88030000 | $257M | $353M | $290M | $279M |
| P/E Ratio → | 14.70 | 13.43 | 10.68 | 12.06 | 9.59 | 9.81 | 11.74 | 11.26 | 12.70 | 19.70 | 17.36 |
| P/S Ratio | 3.22 | 2.92 | 2.57 | 3.33 | 3.13 | 2.70 | 2.05 | 3.04 | 3.43 | 2.93 | 3.55 |
| P/B Ratio | 1.30 | 1.18 | 1.12 | 1.38 | 1.38 | 1.00 | 0.84 | 1.41 | 1.64 | 1.26 | 1.58 |
| P/FCF | 10.42 | 9.46 | 8.76 | 9.69 | 9.07 | 6.72 | 8.84 | 10.99 | 9.93 | 12.68 | 19.34 |
| P/OCF | 10.21 | 9.27 | 8.55 | 9.41 | 8.65 | 6.47 | 8.48 | 10.38 | 9.35 | 11.37 | 15.60 |
P/E links to full P/E history page with 30-year chart
ACNB EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
ACNB Corporation's enterprise value stands at 16.1x EBITDA, 39% above its 5-year average of 11.6x. The Financial Services sector median is 11.4x, placing the stock at a 41% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 4.73 | 4.29 | 4.98 | 2.19 | -3.61 | -0.84 | 2.93 | 4.39 | 4.40 | 5.24 |
| EV / EBITDA | 16.10 | 15.15 | 13.04 | 13.21 | 4.86 | -9.47 | -3.34 | 8.01 | 11.95 | 15.52 | 16.98 |
| EV / EBIT | 18.43 | 17.35 | 14.02 | 14.33 | 5.27 | -10.40 | -3.88 | 8.74 | 13.23 | 17.69 | 19.06 |
| EV / FCF | — | 15.33 | 14.60 | 14.48 | 6.34 | -8.99 | -3.60 | 10.56 | 12.71 | 19.04 | 28.54 |
ACNB Profitability
Margins and return-on-capital ratios measuring operating efficiency
ACNB Corporation earns an operating margin of 27.3%, above the Financial Services sector average of 21.4%. Operating margins have compressed from 34.7% to 27.3% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 10.2% is modest. ROIC of 5.3% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 73.7% | 73.7% | 84.0% | 92.0% | 96.7% | 93.1% | 79.7% | 87.8% | 88.8% | 91.8% | 92.6% |
| Operating Margin | 27.3% | 27.3% | 30.6% | 34.7% | 41.5% | 34.7% | 21.5% | 33.5% | 33.2% | 24.9% | 27.5% |
| Net Profit Margin | 21.7% | 21.7% | 24.1% | 27.6% | 33.0% | 27.6% | 17.5% | 27.0% | 27.0% | 14.8% | 20.4% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.2% | 10.2% | 11.0% | 12.1% | 13.8% | 10.5% | 8.2% | 13.3% | 13.5% | 7.1% | 9.3% |
| ROA | 1.3% | 1.3% | 1.3% | 1.3% | 1.3% | 1.0% | 0.9% | 1.4% | 1.3% | 0.7% | 0.9% |
| ROIC | 5.3% | 5.3% | 5.5% | 7.1% | 10.3% | 7.5% | 5.3% | 7.6% | 7.0% | 4.8% | 4.8% |
| ROCE | 2.5% | 2.5% | 7.4% | 10.2% | 14.7% | 10.7% | 7.5% | 10.9% | 10.2% | 7.1% | 7.2% |
ACNB Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
ACNB Corporation carries a Debt/EBITDA ratio of 6.2x, which is highly leveraged (50% above the sector average of 4.1x). Net debt stands at $308M ($329M total debt minus $21M cash). Interest coverage of just 1.2x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.78 | 0.78 | 0.90 | 0.92 | 0.27 | 0.27 | 0.37 | 0.55 | 0.70 | 0.85 | 0.91 |
| Debt / EBITDA | 6.19 | 6.19 | 6.30 | 5.90 | 1.36 | 1.90 | 3.62 | 3.24 | 4.00 | 7.03 | 6.62 |
| Net Debt / Equity | — | 0.73 | 0.75 | 0.68 | -0.42 | -2.34 | -1.18 | -0.05 | 0.46 | 0.63 | 0.75 |
| Net Debt / EBITDA | 5.80 | 5.80 | 5.22 | 4.37 | -2.09 | -16.56 | -11.54 | -0.32 | 2.61 | 5.19 | 5.47 |
| Debt / FCF | — | 5.87 | 5.84 | 4.79 | -2.73 | -15.71 | -12.45 | -0.43 | 2.78 | 6.37 | 9.20 |
| Interest Coverage | 1.16 | 1.16 | 1.69 | 4.79 | 12.40 | 5.06 | 1.86 | 2.90 | 3.61 | 3.02 | 3.72 |
ACNB Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.32x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.32 | 0.32 | 0.04 | 0.27 | 0.32 | 0.47 | 0.33 | 0.21 | 0.15 | 0.14 | 0.16 |
| Quick Ratio | 0.32 | 0.32 | 0.04 | 0.27 | 0.32 | 0.47 | 0.33 | 0.21 | 0.15 | 0.14 | 0.16 |
| Cash Ratio | 0.32 | 0.32 | 0.03 | 0.03 | 0.08 | 0.29 | 0.18 | 0.08 | 0.03 | 0.03 | 0.02 |
| Asset Turnover | — | 0.05 | 0.06 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
ACNB Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
ACNB Corporation returns 4.7% to shareholders annually — split between a 2.6% dividend yield and 2.0% buyback yield. The payout ratio of 38.8% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 6.8% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.6% | 2.9% | 3.2% | 2.5% | 2.7% | 3.3% | 4.0% | 2.6% | 2.3% | 2.7% | 2.6% |
| Payout Ratio | 38.8% | 38.8% | 33.6% | 30.6% | 25.5% | 32.2% | 47.2% | 29.2% | 28.8% | 53.5% | 44.5% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.8% | 7.4% | 9.4% | 8.3% | 10.4% | 10.2% | 8.5% | 8.9% | 7.9% | 5.1% | 5.8% |
| FCF Yield | 9.6% | 10.6% | 11.4% | 10.3% | 11.0% | 14.9% | 11.3% | 9.1% | 10.1% | 7.9% | 5.2% |
| Buyback Yield | 2.0% | 2.2% | 0.1% | 0.5% | 2.0% | 0.6% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 4.7% | 5.1% | 3.2% | 3.1% | 4.7% | 3.8% | 4.0% | 2.6% | 2.3% | 2.7% | 2.6% |
| Shares Outstanding | — | $10M | $9M | $9M | $9M | $9M | $9M | $7M | $7M | $7M | $6M |
Peer Comparison
Compare ACNB with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 ACNBYou | $548M | 14.7 | 16.1 | 10.4 | 73.7% | 27.3% | 10.2% | 5.3% | 6.2 |
 CZWI | $204M | 14.5 | 15.3 | 19.6 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 FUNC | $243M | 11.9 | 11.4 | 11.9 | 68.8% | 24.4% | 12.1% | 5.9% | 6.1 |
 NKSH | $232M | 14.6 | 11.8 | 15.3 | 65.1% | 22.5% | 9.3% | 8.4% | 0.1 |
 FXNC | $246M | 13.9 | 5.8 | 11.7 | 74.0% | 19.6% | 10.0% | 7.7% | 1.9 |
 MNSB | $175M | 13.3 | 11.5 | 16.5 | 54.4% | 14.0% | 7.3% | 5.0% | 3.7 |
 ORRF | $724M | 8.5 | 8.7 | 10.3 | 70.6% | 29.0% | 14.6% | 9.3% | 2.9 |
 FRAF | $258M | 12.1 | 17.1 | 10.5 | 64.3% | 19.7% | 13.3% | 5.2% | 8.2 |
 HAFC | $901M | 12.0 | 8.5 | 4.4 | 57.5% | 24.3% | 10.0% | 7.4% | 2.5 |
 NBTB | $2B | 13.4 | 10.3 | 10.7 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 FIS | $24B | 62.1 | 7.6 | 9.8 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
| Financial Services Median | — | 13.3 | 11.4 | 10.6 | 62.9% | 21.4% | 9.5% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonACNB — Frequently Asked Questions
Quick answers to the most common questions about buying ACNB stock.
What is ACNB Corporation's P/E ratio?
ACNB Corporation's current P/E ratio is 14.7x. The historical average is 12.9x. This places it at the 77th percentile of its historical range.
What is ACNB Corporation's EV/EBITDA?
ACNB Corporation's current EV/EBITDA is 16.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 14.3x.
What is ACNB Corporation's ROE?
ACNB Corporation's return on equity (ROE) is 10.2%. The historical average is 11.1%.
Is ACNB stock overvalued?
Based on historical data, ACNB Corporation is trading at a P/E of 14.7x. This is at the 77th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is ACNB Corporation's dividend yield?
ACNB Corporation's current dividend yield is 2.64% with a payout ratio of 38.8%.
What are ACNB Corporation's profit margins?
ACNB Corporation has 73.7% gross margin and 27.3% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does ACNB Corporation have?
ACNB Corporation's Debt/EBITDA ratio is 6.2x, indicating high leverage. A ratio above 4x may signal elevated financial risk.