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Upturn AI Summary - About
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
11/13/2026: ACNB (2-star) has a low Upturn Star Rating. Not recommended to BUY.
ACNB Corporation is a long-standing community-focused financial institution that provides banking, insurance, and wealth management services to customers in Pennsylvania and Maryland. The company benefits from a strong local brand, conservative credit management, and diversified revenue streams. Its primary growth opportunity lies in regional expansion and the continued adoption of digital tools to enhance service delivery. Risks include geographic concentration, interest rate volatility, and intense competition from both larger regional players and evolving digital-first providers. ACNB is generally well-suited for income-focused investors who value long-term stability and consistent dividend history, though they should monitor interest rate cycles and regional economic performance closely.
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 | ACNB operates in a stable, slow-growth regional banking industry rather than a high-growth sector. |
| Momentum investor | Mixed fit | The stock tends to track steady banking cycles rather than aggressive short-term price momentum, requiring a positive industry upturn signal. |
| Value investor | Strong fit | The stock often trades at valuations that reflect underlying book value, appealing to those seeking traditional banking value. |
| Dividend investor | Strong fit | The company has a long-standing history of paying dividends, providing consistent income for shareholders. |
| Low-risk investor | Strong fit | As a established community bank, it generally exhibits lower volatility compared to high-growth tech or cyclical stocks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock is generally less volatile than broader market indices due to its stable community banking model. |
| Valuation risk | Medium | Investors should monitor price-to-book and price-to-earnings ratios to ensure the stock isn't trading at a significant premium. |
| Competition risk (Regional Banking) | Medium / high | The sector faces constant pressure from both larger national banks and agile local competitors. |
| Business quality | Medium | The company's focus on conservative lending is a positive, though size constraints limit competitive moat. |
| Dividend income | Strong | The dividend record provides a reliable income stream, though payout ratios should be periodically reviewed. |
| Execution risk | Medium | Success depends on effectively managing loan quality and integrating new services within a regional footprint. |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 683.04M USD | Price to earnings Ratio 12.49 | 1Y Target Price 70.33 |
Price to earnings Ratio 12.49 | 1Y Target Price 70.33 | ||
Volume (30-day avg) 55.4K shares | Beta 0.9 | 52 Weeks Range 43.58 - 68.85 | Updated Date 11/14/2026 |
52 Weeks Range 43.58 - 68.85 | Updated Date 11/14/2026 | ||
Dividends yield (FY) 2.39% | Basic EPS (TTM) 5.38 |
Sector & Industry Intelligence
Sector
Financial Services
Constructive- Sentiment
- Bullish
- Momentum
- BUY Breadth Improving
- BUY participation
- 50.4%
- Active BUY / eligible
- 61 / 121
- 30-Day BUY Count Change
- +45
- Market state
- Bullish
More qualifying stocks are receiving or maintaining BUY advisories, indicating improving market participation.
Industry
Banks - Regional
- BUY participation
- 53.8%
- Active BUY / eligible
- 21 / 39
- 30-Day BUY Count Change
- +20
Sector signal summarizes BUY breadth conditions for the sector. It does not override this stock’s BUY, SELL, or PASS advisory.
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 13.79% | Avg. Invested days 42 | 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 11/13/2026 |
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
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | This is the core profit driver representing the spread between loan interest income and deposit costs. |
| Non-Interest Income | Fees from insurance services, wealth management, and traditional banking services. | This adds stability by providing income that is not directly tied to interest rate fluctuations. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-22 | When Before Market | Estimate 1.48 | Actual 1.55 |
Profitability
Profit Margin 34.24% | Operating Margin (TTM) 46.39% |
Management Effectiveness
Return on Assets (TTM) 1.69% | Return on Equity (TTM) 13.38% |
Valuation
Trailing PE 12.49 | Forward PE 9.75 | Enterprise Value 926.81M | Price to Sales(TTM) 4.22 |
Enterprise Value 926.81M | Price to Sales(TTM) 4.22 | ||
Enterprise Value to Revenue 6.01 | Enterprise Value to EBITDA - | Shares Outstanding 10.16M | Shares Floating 9.75M |
Shares Outstanding 10.16M | Shares Floating 9.75M | ||
Percent Insiders 4.11 | Percent Institutions 46.09 |
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.
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