US · ACNB
ACNB Corporation
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Gettysburg, PA 17325
- Website
- acnb.com
Price · as of 2024-12-31
$51.53
Market cap 523.39M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $45.97 | -10.79% |
| Intrinsic Value(DCF) | $70.35 | +36.52% |
| Graham-Dodd Method(GD) | $30.30 | -41.2% |
| Graham Formula(GF) | $84.90 | +64.77% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $9.00 | $23.48 | $14.15 | $10.51 | $11.00 |
| 2011 | $8.80 | $26.74 | $10.15 | $11.12 | $3.70 |
| 2012 | $10.68 | $102.93 | $24.04 | $12.01 | $8.71 |
| 2013 | $12.33 | $29.36 | $17.81 | $13.21 | $4.03 |
| 2014 | $14.41 | $73.44 | $18.60 | $14.30 | $14.27 |
| 2015 | $16.14 | $30.55 | $19.78 | $15.13 | $23.61 |
| 2016 | $22.77 | $47.01 | $20.78 | $15.78 | $19.07 |
| 2017 | $22.24 | $32.87 | $25.33 | $16.02 | $46.21 |
| 2018 | $28.66 | $47.43 | $25.69 | $23.22 | $90.18 |
| 2019 | $25.59 | $36.64 | $27.88 | $26.16 | $56.23 |
| 2020 | $28.47 | $24.18 | $65.50 | $20.55 | $58.45 |
| 2021 | $28.91 | $19.05 | $98.09 | $26.93 | $13.14 |
| 2022 | $31.56 | $29.74 | $99.34 | $28.52 | $63.86 |
| 2023 | $33.28 | $28.45 | $57.01 | $28.94 | $50.95 |
| 2024 | $40.06 | $45.97 | $33.15 | $30.30 | $84.90 |
AI valuation
Our deep-learning model estimates ACNB Corporation's (ACNB) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $45.97
- Current price
- $51.53
- AI upside
- -10.79%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$70.35
+36.52% upside
Graham-Dodd
$30.30
-41.2% upside
Graham Formula
$84.90
+64.77% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| ACNB | ACNB Corporation | $51.53 | 523.39M | -11% | +37% | -41% | +65% | 10.70 | 1.12 | 2.58 | 12.65 | 1984.13 | 1.36 | 84.05% | 30.58% | 24.09% | 10.97% | 12.09% | 1.32% | 0.90 | 1.69 | 0.04 | 0.04 | 5.22 | 54.00% | 1520.00% | -155.00% | 11.40% | 0.02 | 14.73% | 3.15% | 33.60% | 3.22% | 13.60 | 14.16 | 4.16 | -0.53 |
| AROW | Arrow Financial Corporati… | $33.31 | 547.7M | -29% | -8% | -55% | +27% | 14.30 | 1.06 | 1.91 | -3.72 | — | 1.13 | 60.35% | 16.75% | 13.32% | 7.61% | -15.97% | 0.70% | 0.08 | 0.45 | 0.16 | 0.16 | -2.83 | 0.00% | 1637.00% | 11388.00% | 6.79% | 0.01 | -15.52% | 4.30% | 61.60% | 17.66% | -4.26 | -5.51 | -0.71 | -0.72 |
| BWB | Bridgewater Bancshares, I… | $18.28 | 507.45M | +168% | -11% | +9% | +21% | 11.72 | 0.84 | 1.53 | 4.76 | — | 0.88 | 41.45% | 17.00% | 13.05% | 7.43% | 16.56% | 0.68% | 0.99 | 0.30 | 0.17 | 0.17 | 4.78 | -1890.00% | 1079.00% | 5639.00% | 10.99% | 0.01 | 21.34% | 1.05% | 12.40% | 19.53% | 5.10 | 5.15 | 0.87 | -0.59 |
| CBNK | Capital Bancorp, Inc. | $29.41 | 485.88M | +97% | -12% | -4% | +78% | 13.18 | 1.15 | 1.68 | 3.05 | — | 1.28 | 68.36% | 17.27% | 12.78% | 10.15% | 25.08% | 1.14% | 0.10 | 0.71 | 0.12 | 0.12 | -3.89 | -1686.00% | 1730.00% | -2760.00% | 8.03% | 0.01 | 26.53% | 1.29% | 17.00% | 42.49% | 3.21 | 4.09 | 0.55 | -0.61 |
| COFS | ChoiceOne Financial Servi… | $28.62 | 429.98M | +208% | +2,084% | +19% | +218% | 14.56 | 0.88 | 2.13 | 2.37 | — | 1.35 | 58.16% | 17.72% | 14.61% | 7.76% | 176.97% | 0.79% | 0.67 | 0.52 | 0.71 | 0.71 | 6.59 | -3815.00% | 3867.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 2.37 | — | 0.42 | 0.09 |
| FMNB | Farmers National Banc Cor… | $12.93 | 486.86M | +173% | +11% | +56% | -0% | 8.94 | 1.00 | 1.80 | 13.16 | 47.43 | 1.62 | 63.79% | 23.93% | 20.08% | 12.24% | 10.93% | 1.05% | 0.76 | 0.71 | 1.42 | 0.00 | 5.65 | 1885.00% | 88.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.61% | 13.16 | — | 3.15 | 0.16 |
| NRIM | Northrim BanCorp, Inc. | $23.49 | 518.91M | +304% | +2% | -62% | +121% | 11.02 | 1.52 | 2.08 | -1.84 | 23.00 | 2.18 | 77.53% | 23.98% | 18.87% | 14.73% | -10.24% | 1.26% | 0.15 | 1.15 | 0.24 | 0.24 | -0.43 | 4788.00% | 2377.00% | -12866.00% | -2.30% | 0.00 | 2.59% | 3.38% | 37.20% | 3.57% | -1.98 | 9.98 | -0.48 | -0.48 |
| PFIS | Peoples Financial Service… | $53.60 | 535.71M | +169% | +33% | +38% | +224% | 9.17 | 1.04 | 1.93 | 11.09 | 1.86 | 1.30 | 66.60% | 25.71% | 21.07% | 11.97% | 10.96% | 1.14% | 0.50 | 0.77 | 0.09 | 0.00 | 3.58 | 49394.00% | 2226.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 11.09 | — | 2.85 | -0.44 |
| SHBI | Shore Bancshares, Inc. | $18.58 | 621.07M | +150% | +111% | -26% | +209% | 10.36 | 0.84 | 1.39 | -0.25 | 4.83 | 1.05 | 60.33% | 17.98% | 13.44% | 8.34% | 48.52% | 0.72% | 0.25 | 0.47 | 0.11 | 0.11 | -4.34 | 21429.00% | 3694.00% | 14860.00% | 9.16% | 0.01 | 46.06% | 3.52% | 36.50% | 11.67% | -0.32 | -0.45 | -0.06 | -0.77 |
| UNTY | Unity Bancorp, Inc. | $53.19 | 534M | -6% | +19% | -20% | +24% | 10.23 | 1.43 | 2.60 | 8.06 | 178.61 | 1.44 | 62.55% | 33.35% | 25.42% | 14.88% | 12.34% | 1.58% | 0.78 | 0.95 | 0.10 | 0.10 | 0.88 | 573.00% | 819.00% | 292.00% | 11.15% | 0.02 | 14.07% | 1.18% | 12.10% | 31.32% | 8.44 | 9.71 | 2.81 | -0.50 |
About ACNB Corporation
ACNB 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.
- CEO
- James Helt
- Employees
- 391
- Beta
- 0.86
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($70.35 ÷ $51.53) − 1 = +36.52% (DCF, example).