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Upturn AI SWOT - About
ACNB 
ACNB Corporation (ACNB)
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Upturn Advisory Summary
10/29/2025: ACNB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $49.67
1 Year Target Price $49.67
| 2 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -15.6% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/29/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 464.45M USD | Price to earnings Ratio 16.31 | 1Y Target Price 49.67 |
Price to earnings Ratio 16.31 | 1Y Target Price 49.67 | ||
Volume (30-day avg) 4 | Beta 0.93 | 52 Weeks Range 35.06 - 49.21 | Updated Date 10/29/2025 |
52 Weeks Range 35.06 - 49.21 | Updated Date 10/29/2025 | ||
Dividends yield (FY) 2.96% | Basic EPS (TTM) 2.72 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-23 | When Before Market | Estimate 1.18 | Actual 1.44 |
Profitability
Profit Margin 24.03% | Operating Margin (TTM) 50.08% |
Management Effectiveness
Return on Assets (TTM) 1.16% | Return on Equity (TTM) 9.18% |
Valuation
Trailing PE 16.31 | Forward PE 9.75 | Enterprise Value 700754944 | Price to Sales(TTM) 3.4 |
Enterprise Value 700754944 | Price to Sales(TTM) 3.4 | ||
Enterprise Value to Revenue 5.73 | Enterprise Value to EBITDA - | Shares Outstanding 10423015 | Shares Floating 10033820 |
Shares Outstanding 10423015 | Shares Floating 10033820 | ||
Percent Insiders 3.7 | Percent Institutions 38.46 |
Upturn AI SWOT
ACNB Corporation
Company Overview
History and Background
ACNB Corporation was founded in 1910 in Gettysburg, Pennsylvania. It has grown through organic expansion and acquisitions, evolving into a community banking organization serving southcentral Pennsylvania and central Maryland.
Core Business Areas
- Community Banking: Provides a full range of banking services, including deposit accounts, loans, and other financial products, to individuals, businesses, and organizations. Focuses on relationship banking within its local communities.
- Insurance Services: Offers a variety of insurance products and services through its affiliate, ACNB Insurance Services, Inc., including property and casualty insurance, and other insurance products.
- Wealth Management: Provides trust and investment management services to individuals and businesses.
Leadership and Structure
The leadership team is comprised of experienced banking professionals. The organizational structure includes a board of directors and executive management overseeing various departments and subsidiaries.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are offered to businesses for various purposes, including working capital, equipment financing, and real estate development. Market share data is not publicly available at a granular level for ACNB specifically but competes with larger regional and national banks. Competitors: M&T Bank (MTB), PNC Financial Services (PNC).
- Residential Mortgages: Residential mortgages are offered to individuals for home purchases and refinancing. ACNB competes with national mortgage lenders and other community banks. Market share data specific to ACNB is not readily available. Competitors: Wells Fargo (WFC), Bank of America (BAC).
- Deposit Accounts: A range of deposit accounts are offered, including checking, savings, and money market accounts. Competitors: Fulton Financial Corporation (FULT), Santander Bank.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, economic fluctuations, and technological advancements. Community banks face challenges from larger institutions and fintech companies.
Positioning
ACNB Corporation positions itself as a relationship-focused community bank providing personalized service and local expertise. This differentiation helps it compete with larger banks. The community banking sector is quite fragmented, with many players vying for local market share.
Total Addressable Market (TAM)
The TAM for banking services in ACNB's operating region is substantial, including consumer and commercial banking needs. ACNB captures a share of this market by providing relationship-based services and local expertise.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Local market knowledge
- Personalized customer service
- Experienced management team
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Less technological resources compared to larger banks
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking services
- Growing demand for wealth management services
- Strategic acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- FULT
- MTB
- PNC
Competitive Landscape
ACNB's advantages include local market expertise and personalized service. Disadvantages are limited scale and geographic reach compared to larger regional and national banks.
Growth Trajectory and Initiatives
Historical Growth: ACNB has historically grown through organic expansion and strategic acquisitions.
Future Projections: Future growth is dependent on economic conditions, market competition, and strategic initiatives. Analyst estimates are not readily and universally available for smaller banks like ACNB.
Recent Initiatives: Recent initiatives may include investments in digital banking, expansion into new markets, and strategic acquisitions.
Summary
ACNB Corporation is a community bank with a long history and a strong local presence. Its strengths lie in its customer relationships and local market knowledge. It faces challenges from larger competitors and the need to adapt to technological changes. Future growth depends on its ability to expand its market reach and offer competitive financial services in the digital age.
Similar Stocks
Sources and Disclaimers
Data Sources:
- ACNB Corporation's Investor Relations Website
- SEC Filings (10-K, 10-Q)
- FDIC Data
- SNL Financial
- Yahoo Finance
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share data is based on estimates and may not be precise. Financial data should be verified with official company filings. The market share comparison is an approximation to show the relative market cap.
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.
About ACNB Corporation
Exchange NASDAQ | Headquaters 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 391 | Website https://www.acnb.com |
Full time employees 391 | 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 include personal residential mortgages, and residential construction and investment mortgage loans. In addition, the company offers 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 wealth management and retail brokerage and 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 personal clients; and 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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