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ACNB Corporation(ACNB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for ACNB
09/15/2026: ACNB (2-star) has a low Upturn Star Rating. Not recommended to BUY.
ACNB Corporation is a traditional regional bank holding company serving communities in Pennsylvania and Maryland. The company benefits from a long-standing reputation, a stable deposit base, and an integrated insurance subsidiary that provides diversified, non-interest income. Its primary investment story centers on steady growth through regional expansion and maintaining strong local relationships. Risks include geographic concentration, interest rate sensitivity, and competition from larger national players with advanced digital capabilities. The stock may best suit dividend-oriented investors seeking stable, long-term exposure to the regional banking sector, though investors should closely monitor regional economic health and future acquisition integration success.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company's focus is on stability and steady dividends rather than high-growth scaling. |
| Momentum investor | Weak fit | This stock typically lacks the high-volatility price swings required for active momentum trading strategies. |
| Value investor | Mixed fit | The stock may appeal to value investors looking for regional bank exposure if it trades at an attractive price-to-book ratio. |
| Dividend investor | Strong fit | ACNB's history of regular dividends makes it a suitable consideration for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, regional banking risks such as geographic concentration require investors to monitor the economic health of the local area. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock price is subject to shifts in regional economic expectations and broader interest rate trends. |
| Valuation risk | Medium | Investors should ensure they are not overpaying relative to book value during periods of market optimism. |
| Competition risk (regional banking) | High | Local market competition from larger, well-capitalized institutions can pressure margins. |
| Business quality | Medium | The company has a solid reputation but lacks the sheer scale and diversification of national financial entities. |
| Dividend income | Low | The dividend is generally viewed as stable due to the conservative business model. |
| Execution risk | Medium | Successful growth depends on managing loan quality and integrating regional acquisitions effectively. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 13.26% | Avg. Invested days 44 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/15/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 660.94M USD | Price to earnings Ratio 12.29 | 1Y Target Price 67.67 |
Price to earnings Ratio 12.29 | 1Y Target Price 67.67 | ||
Volume (30-day avg) 70.1K shares | Beta 0.86 | 52 Weeks Range 40.90 - 67.60 | Updated Date 09/15/2026 |
52 Weeks Range 40.90 - 67.60 | Updated Date 09/15/2026 | ||
Dividends yield (FY) 2.33% | Basic EPS (TTM) 5.29 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans (mortgages, commercial, consumer) minus interest paid on deposits. | This is the primary way the bank makes money; it thrives when the spread between loan interest and deposit costs is healthy. |
| Insurance Services | Fees and commissions from selling property, casualty, and employee benefit insurance. | This segment provides a stable, fee-based income stream that helps diversify the bank from pure lending risks. |
| Regional Geography | Operations concentrated in PA and MD. | The bank's health is tied to the regional economy; growth is dependent on the prosperity of these specific counties. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 12.29 | Forward PE 9.75 | Enterprise Value 904.57M | Price to Sales(TTM) 4.12 |
Enterprise Value 904.57M | Price to Sales(TTM) 4.12 | ||
Enterprise Value to Revenue 6.02 | Enterprise Value to EBITDA - | Shares Outstanding 10.17M | Shares Floating 9.76M |
Shares Outstanding 10.17M | Shares Floating 9.76M | ||
Percent Insiders 3.91 | Percent Institutions 41.35 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About ACNB Corporation
Exchange NASDAQ | Headquarters Gettysburg, PA, United States | ||
IPO Launch date 1996-01-02 | President, CEO & Director Mr. James P. Helt | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 501 | Website https://www.acnb.com |
Full time employees 501 | Website https://www.acnb.com | ||
ACNB Corporation, a financial holding company, offers 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 that include personal residential mortgages, residential construction loans, and investment mortgage loans. In addition, the company offers other services that are related to testamentary trusts, life insurance trusts, charitable, guardianships, powers of attorney, custodial accounts, investment management and advisory accounts, wealth management, and retail brokerage and services. Further, the company offers property and casualty, health, life, and disability insurance products to commercial and personal clients; online, telephone, and mobile banking; as well as automated teller machine services. ACNB Corporation was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.
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