Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.02 | 10.05 | 9.96 | 9.07 | 11.62 | 7.75 | 9.65 | — | 12.93 | 13.00 | 6.87 | 11.75 | 23.31 | 7.46 | 7.40 | 7.68 | 8.29 | 6.26 | 7.50 | 11.50 | 15.04 |
| — | +29.6% | +3.3% | — | -10.1% | -40.3% | +40.5% | — | -44.5% | +74.3% | -7.2% | +53.1% | +181.1% | +19.1% | -1.2% | -33.2% | -44.8% | -24.9% | +5.3% | +35.0% | +94.9% | |
| P/S Ratio | 4.09 | 3.62 | 3.54 | 3.04 | 3.48 | 2.84 | 2.83 | 2.95 | 3.16 | 3.36 | 2.83 | 3.05 | 4.24 | 2.41 | 2.54 | 2.47 | 2.92 | 2.27 | 2.50 | 3.53 | 2.95 |
| — | +27.3% | +25.1% | +3.1% | +10.3% | -15.5% | +0.1% | -3.2% | -25.5% | +39.3% | +11.4% | +23.3% | +45.3% | +6.1% | +1.6% | -30.0% | -1.2% | -13.3% | +0.7% | +28.5% | +34.5% | |
| P/B Ratio | 1.61 | 1.51 | 1.43 | 1.17 | 1.20 | 1.13 | 1.14 | 1.05 | 1.12 | 1.22 | 1.07 | 1.14 | 1.37 | 1.06 | 1.10 | 1.08 | 1.38 | 1.11 | 1.05 | 1.19 | 1.00 |
| — | +33.7% | +26.0% | +11.6% | +6.6% | -7.4% | +6.2% | -8.6% | -18.3% | +15.1% | -2.7% | +5.4% | -0.7% | -4.8% | +5.1% | -8.5% | +38.7% | +22.7% | +14.6% | +19.7% | +18.3% | |
| P/FCF | 8.60 | 3.40 | — | 5.17 | 11.20 | 5.06 | 6.26 | — | 15.94 | 7.00 | 8.22 | 7.45 | 12.50 | 9.07 | 7.44 | 4.67 | 9.29 | 5.13 | 7.29 | 11.11 | 9.34 |
| — | -32.8% | — | — | -29.7% | -27.8% | -23.9% | — | +27.5% | -22.8% | +10.6% | +59.6% | +34.6% | +76.8% | +2.0% | -58.0% | -0.6% | -29.7% | +91.2% | +56.0% | +19.0% | |
| EV / EBITDA | 13.14 | 11.96 | 10.87 | 9.06 | 13.57 | 8.45 | 9.73 | 163.53 | 15.74 | 15.03 | 8.83 | 14.58 | 25.67 | 7.28 | 6.48 | 4.93 | 4.29 | -0.54 | -1.70 | -3.04 | -14.31 |
| — | +41.5% | +11.6% | -94.5% | -13.8% | -43.8% | +10.2% | +1021.5% | -38.7% | +106.5% | +36.3% | +195.8% | +498.3% | +1457.4% | +480.7% | +262.3% | +130.0% | +94.4% | +69.7% | +17.7% | -541.8% | |
| EV / EBIT | 21.05 | 11.96 | 11.76 | 9.94 | 15.38 | 9.24 | 10.89 | — | 17.21 | 16.21 | 9.30 | 15.89 | 30.01 | 7.79 | 6.93 | 5.31 | 4.63 | -0.58 | -1.85 | -3.36 | -16.53 |
| — | +29.5% | +8.0% | — | -10.6% | -43.0% | +17.1% | — | -42.7% | +108.1% | +34.1% | +199.2% | +548.5% | +1454.7% | +474.7% | +258.0% | +128.0% | +94.5% | +69.5% | +16.6% | -572.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 96.4% | 97.9% | 99.0% | 100.0% | 98.5% | 101.8% | 101.5% | 84.0% | 98.9% | 99.6% | 111.9% | 99.7% | 97.6% | 99.7% | 100.5% | 98.7% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| — | -3.8% | -2.5% | +19.1% | -0.5% | +2.2% | -9.3% | -15.8% | +1.4% | -0.2% | +11.3% | +1.1% | -2.4% | -0.3% | +0.5% | -1.3% | 0.0% | 0.0% | 0.0% | +0.2% | +4.4% | |
| Operating Margin | 35.7% | 44.9% | 45.0% | 42.3% | 36.6% | 46.7% | 37.6% | -1.6% | 30.6% | 33.9% | 52.0% | 32.5% | 21.1% | 41.5% | 43.3% | 40.7% | 44.1% | 46.0% | 42.0% | 38.3% | 24.0% |
| — | -3.7% | +19.7% | +2742.2% | +19.5% | +37.7% | -27.8% | -104.9% | +44.8% | -18.3% | +20.2% | -20.2% | -52.0% | -9.8% | +3.0% | +6.3% | +83.2% | +15.1% | -4.5% | -5.4% | -32.2% | |
| Net Margin | 28.4% | 35.9% | 35.5% | 33.6% | 30.0% | 36.7% | 29.3% | -0.8% | 24.5% | 25.9% | 41.2% | 25.8% | 18.2% | 32.3% | 34.2% | 32.1% | 35.1% | 36.4% | 33.3% | 30.7% | 19.6% |
| — | -2.1% | +21.1% | +4333.2% | +22.4% | +41.4% | -28.7% | -103.1% | +34.3% | -19.6% | +20.5% | -19.8% | -48.0% | -11.3% | +2.5% | +4.8% | +79.5% | +15.1% | -3.9% | -4.6% | -31.3% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.2% | 3.7% | 3.6% | 3.2% | 2.6% | 3.7% | 3.0% | -0.1% | 2.2% | 2.4% | 4.0% | 2.4% | 1.5% | 3.5% | 3.7% | 3.6% | 4.3% | 4.3% | 3.4% | 2.5% | 1.7% |
| — | +0.8% | +20.3% | +4213.7% | +20.6% | +53.1% | -24.8% | -103.2% | +40.7% | -31.5% | +6.7% | -32.6% | -64.0% | -18.1% | +8.2% | +44.2% | +157.6% | +56.9% | +5.7% | -13.8% | -39.4% | |
| ROA | 1.3% | 0.5% | 0.5% | 0.4% | 0.3% | 0.5% | 0.4% | -0.0% | 0.3% | 0.3% | 0.5% | 0.3% | 0.2% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.3% | 0.2% | 0.2% |
| — | +4.0% | +29.4% | +4493.8% | +21.8% | +54.7% | -22.9% | -103.4% | +60.7% | -22.2% | +16.4% | -23.4% | -56.7% | -1.9% | +25.1% | +53.3% | +144.4% | +44.6% | +0.2% | -16.8% | -42.2% | |
| ROIC | 5.3% | 2.0% | 2.0% | 1.8% | 1.3% | 2.0% | 1.6% | -0.1% | 1.0% | 1.2% | 1.9% | 1.2% | 0.8% | 2.2% | 2.5% | 2.7% | 3.1% | 3.2% | 2.6% | 1.9% | 1.2% |
| — | -0.0% | +23.0% | +2836.5% | +26.0% | +66.3% | -13.4% | -105.5% | +38.9% | -45.6% | -25.2% | -55.6% | -75.9% | -33.0% | -5.1% | +42.7% | +166.5% | +65.6% | +15.1% | -6.4% | -35.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.78 | 0.80 | 0.77 | 0.67 | 0.78 | 0.83 | 0.77 | 0.79 | 0.90 | 0.96 | 1.06 | 0.98 | 0.92 | 0.61 | 0.53 | 0.31 | 0.27 | 0.30 | 0.23 | 0.25 | 0.27 |
| — | -4.3% | +0.7% | -15.5% | -13.3% | -13.4% | -27.5% | -19.7% | -1.6% | +57.5% | +100.8% | +217.1% | +240.3% | +105.7% | +130.2% | +25.1% | +0.3% | -10.7% | -30.6% | -36.1% | -27.2% | |
| Debt / EBITDA | 6.19 | 17.04 | 15.71 | 14.98 | 22.03 | 16.47 | 18.18 | 340.76 | 30.44 | 29.07 | 20.43 | 29.60 | 45.92 | 12.54 | 10.51 | 6.44 | 4.79 | 4.93 | 4.79 | 6.96 | 11.46 |
| — | +3.4% | -13.6% | -95.6% | -27.6% | -43.3% | -11.0% | +1051.2% | -33.7% | +131.8% | +94.3% | +359.4% | +858.8% | +154.5% | +119.5% | -7.4% | -58.2% | -44.2% | -36.6% | -28.4% | +16.5% | |
| Current Ratio | 0.32 | 0.23 | 0.26 | 0.04 | 0.32 | 0.22 | 0.22 | 0.22 | 0.04 | 0.26 | 0.27 | 0.26 | 0.27 | 0.25 | 0.27 | 0.30 | 0.32 | 0.36 | 0.39 | 0.43 | 0.47 |
| — | +5.5% | +18.9% | -81.4% | +787.7% | -14.9% | -18.6% | -13.2% | -86.7% | +3.4% | +0.5% | -12.6% | -16.2% | -30.4% | -31.2% | -31.6% | -30.9% | -21.5% | -6.5% | +15.7% | +40.6% | |
| Quick Ratio | 0.32 | 0.23 | 0.26 | 0.04 | 0.32 | 0.22 | 0.22 | 0.22 | 0.04 | 0.26 | 0.27 | 0.26 | 0.27 | 0.25 | 0.27 | 0.30 | 0.32 | 0.36 | 0.39 | 0.43 | 0.47 |
| — | +5.5% | +18.9% | -81.4% | +787.7% | -14.9% | -18.6% | -13.2% | -86.7% | +3.4% | +0.5% | -12.6% | -16.2% | -30.4% | -31.2% | -31.6% | -30.9% | -21.5% | -6.5% | +15.7% | +40.6% | |
| Interest Coverage | 1.16 | 1.93 | 1.99 | 1.78 | 1.32 | 1.83 | 1.41 | -0.06 | 1.31 | 1.49 | 2.41 | 1.58 | 1.25 | 4.67 | 9.86 | 13.98 | 15.13 | 15.14 | 12.19 | 8.04 | 4.17 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying ACNB stock.
ACNB Corporation's current P/E is 12.0x. The average P/E over the last 4 quarters is 10.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
ACNB Corporation's current operating margin is 35.7%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking ACNB Corporation's business trajectory between earnings reports.