📊 ACNB Key Takeaways
Is Acnb Corp. (ACNB) a Good Investment?
ACNB demonstrates solid fundamental growth with revenue up 17.5% YoY and net income up 16.3% YoY, supported by strong free cash flow generation at 27.4% FCF margin. However, the 8.8% ROE and critically low 1.2x interest coverage ratio signal moderate profitability and elevated financial leverage concerns that warrant monitoring.
ACNB shows solid fundamental momentum, with double-digit revenue and net income growth alongside healthy operating profitability and strong free cash flow generation. Financial health appears sound with moderate leverage and positive returns on assets and equity, but the declining diluted EPS and thin interest coverage suggest some caution on growth quality and balance sheet flexibility.
Why Buy Acnb Corp. Stock? ACNB Key Strengths
- Strong revenue growth of 17.5% YoY demonstrating solid business expansion
- Excellent free cash flow generation at 52.6M (27.4% FCF margin) indicating quality earnings
- Conservative debt-to-equity ratio of 0.61x showing reasonable leverage for a bank
- Operating margin of 24.2% reflects effective cost management
- Revenue and net income are growing at a healthy double-digit pace, indicating improving core earnings power
- Profitability is solid for a regional bank, with 24.2% operating margin, 19.3% net margin, and 1.1% ROA
- Free cash flow is strong at $52.57M with low capital spending requirements, supporting internal capital generation
ACNB Stock Risks: Acnb Corp. Investment Risks
- Critically low interest coverage ratio of 1.2x suggests limited ability to service debt obligations from operating income
- Modest ROE of 8.8% and ROA of 1.1% indicate below-average returns on shareholder capital and assets
- Diluted EPS declined 3.5% YoY despite net income growth, suggesting equity dilution from share issuance
- High insider trading activity (32 Form 4 filings in 90 days) may indicate executive portfolio adjustments
- Diluted EPS declined year over year despite higher net income, which may indicate dilution or weaker per-share earnings quality
- Interest coverage of 1.2x is thin and suggests limited earnings cushion relative to interest burden
- ROE of 8.8% is respectable but not especially strong, which may limit upside if profitability stalls
Key Metrics to Watch
- Interest coverage ratio trend - must improve above 1.5x for sustainable debt service
- Return on equity progression - target 10%+ for competitive performance in banking sector
- Net interest margin and loan yield trends driving revenue growth sustainability
- Non-performing asset ratio and credit quality metrics
- Capital adequacy ratios and regulatory compliance
- Diluted EPS trend versus net income growth
- Interest coverage and overall funding cost pressure
Acnb Corp. (ACNB) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 27.4% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
ACNB Profit Margin, ROE & Profitability Analysis
ACNB vs Finance Sector: How Acnb Corp. Compares
How Acnb Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Acnb Corp. Stock Overvalued? ACNB Valuation Analysis 2026
Based on fundamental analysis, Acnb Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Acnb Corp. Balance Sheet: ACNB Debt, Cash & Liquidity
ACNB Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Acnb Corp.'s revenue has grown significantly by 45% over the 5-year period, indicating strong business expansion. The most recent EPS of $3.71 reflects profitable operations.
ACNB Revenue Growth, EPS Growth & YoY Performance
ACNB Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $34.1M | -$272.0K | $0.84 |
| Q2 2025 | $33.3M | -$272.0K | $1.11 |
| Q1 2025 | $31.6M | -$272.0K | $-0.03 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Acnb Corp. Dividends, Buybacks & Capital Allocation
ACNB SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Acnb Corp. (CIK: 0000715579)
📋 Recent SEC Filings
❓ Frequently Asked Questions about ACNB
What is the AI rating for ACNB?
Acnb Corp. (ACNB) has a Combined AI Rating of BUY from Claude (BUY) and ChatGPT (BUY) with 72% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are ACNB's key strengths?
Claude: Strong revenue growth of 17.5% YoY demonstrating solid business expansion. Excellent free cash flow generation at 52.6M (27.4% FCF margin) indicating quality earnings. ChatGPT: Revenue and net income are growing at a healthy double-digit pace, indicating improving core earnings power. Profitability is solid for a regional bank, with 24.2% operating margin, 19.3% net margin, and 1.1% ROA.
What are the risks of investing in ACNB?
Claude: Critically low interest coverage ratio of 1.2x suggests limited ability to service debt obligations from operating income. Modest ROE of 8.8% and ROA of 1.1% indicate below-average returns on shareholder capital and assets. ChatGPT: Diluted EPS declined year over year despite higher net income, which may indicate dilution or weaker per-share earnings quality. Interest coverage of 1.2x is thin and suggests limited earnings cushion relative to interest burden.
What is ACNB's revenue and growth?
Acnb Corp. reported revenue of $191.8M.
Does ACNB pay dividends?
Acnb Corp. pays dividends, with $14.4M distributed to shareholders in the trailing twelve months.
Where can I find ACNB SEC filings?
Official SEC filings for Acnb Corp. (CIK: 0000715579) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is ACNB's EPS?
Acnb Corp. has a diluted EPS of $3.60.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is ACNB a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Acnb Corp. has a BUY rating with 72% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is ACNB stock overvalued or undervalued?
Valuation metrics for ACNB: ROE of 8.8% (sector avg: 12%), net margin of 19.3% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy ACNB stock in 2026?
Our dual AI analysis gives Acnb Corp. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is ACNB's free cash flow?
Acnb Corp.'s operating cash flow is $53.6M, with capital expenditures of $1.1M. FCF margin is 27.4%.
How does ACNB compare to other Finance stocks?
Vs Finance sector averages: Net margin 19.3% (avg: 25%), ROE 8.8% (avg: 12%), current ratio N/A (avg: 1.2).