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16.75 (1y: +12%)
Market Cap 99.4 M P/E(ttm) 11.00
Enterprise Value 194.56 M P/B 1.00
ACNB- NAS (USA)
ACNB Corporation
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
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Top Ranked Predictable Companies
$16.75
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Valuation Ratios|Valuation and Quality|Per share data|Common Size Ratios|Income Statment|Balance Sheet|Cashflow Statement
Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) 5.5  3.8  0.1 
EBITDA Growth (%) -2.2  8.5  8.1 
Free Cash Flow Growth (%) -2.5  -4.1  13.9 
Book Value Growth (%) 4.1  4.9  3.4 

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.
   Trendline:
Export: Download financial data to Excel Download financial data to CSV  Print This Table Print helpSee this page for the explanation of the data and charts * All numbers are in millions except for per share data
Per Share DataAnnualsQuarterly
Fiscal Period
 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Revenue per Share ($)
5.37
5.07
5.72
5.81
5.88
6.59
7.40
7.96
7.77
7.76
7.76
1.93
1.96
1.93
1.95
1.92
EBITDA per Share
2.99
2.50
2.00
1.99
1.98
1.61
1.83
2.16
2.17
2.22
2.26
0.56
0.53
0.57
0.56
0.60
Free Cashflow per Share
2.29
1.84
1.91
1.66
0.75
2.08
1.43
1.32
2.73
1.22
2.05
0.24
0.89
0.39
-0.30
1.07
Earnings per Share ($)
1.80
1.55
1.23
1.22
1.32
1.13
1.22
1.42
1.43
1.49
1.52
0.38
0.35
0.39
0.37
0.41
Dividends Per Share
0.76
0.76
0.76
0.76
0.57
0.76
0.76
0.76
0.76
0.76
0.76
0.19
0.19
0.19
0.19
0.19
Book Value per Share
12.07
12.42
12.38
12.93
14.16
14.10
14.88
15.82
16.42
17.01
17.15
16.58
16.79
17.07
16.98
17.15
Month End Stock Price
24.22
23.49
18.05
19.00
15.20
12.40
12.95
15.69
13.83
16.18
16.65
14.50
14.55
15.99
16.18
16.65
RatiosAnnualsQuarterly
Fiscal Period
 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Return on Equity %
14.90
12.50
10.00
9.40
9.30
8.00
8.20
9.00
8.70
8.80
9.60
9.20
8.40
9.20
8.80
9.60
Return on Assets %
1.20
1.00
0.80
0.80
0.90
0.70
0.80
0.90
0.80
0.80
0.80
0.80
0.80
0.80
0.80
0.80
Return on Capital - Joel Greenblatt %
408
21.30
16.10
17.00
37.80
9.70
18.70
36.10
28.20
101
112
38.80
--
392
103
112
Debt to Equity
1.61
2.64
2.50
2.66
1.89
2.26
1.54
1.29
1.20
1.06
0.93
1.26
1.23
1.21
1.06
0.93
   
Operating Margin %
43.20
38.00
25.70
26.50
27.80
19.80
19.50
22.20
23.10
24.20
26.80
24.40
22.90
25.20
24.50
26.80
Net Margin %
33.50
30.60
21.60
21.00
22.40
17.10
16.40
17.80
18.40
19.20
21.10
19.50
18.30
20.00
19.10
21.10
   
Debt to Revenue
3.63
6.47
5.41
5.91
4.55
4.83
3.09
2.56
2.54
2.32
8.29
10.87
10.55
10.68
9.24
8.29
Interest Exp. to Revenue %
70.69
80.73
73.93
71.48
70.71
73.55
73.38
74.21
74.54
74.32
74.34
75.42
73.65
74.19
74.04
74.34
   
Asset Turnover
0.04
0.03
0.04
0.04
0.04
0.04
0.05
0.05
0.05
0.04
0.01
0.01
0.01
0.01
0.01
0.01
Buyback Ratio
--
--
--
--
--
--
--
--
-3.00
-3.30
-3.70
-2.40
-4.10
-3.40
-3.40
-3.70
Dividend Payout Ratio
0.42
0.49
0.62
0.63
0.43
0.68
0.63
0.54
0.53
0.51
0.47
0.51
0.53
0.49
0.51
0.47
Income StatementAnnuals (USD $) View: Quarterly
Fiscal Period
 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Net Interest Income
22.74
24.57
25.28
24.84
25.02
29.02
32.25
35.02
34.37
34.34
34.24
8.64
8.57
8.54
8.60
8.53
Non Interest Income
9.43
5.87
8.92
9.91
10.36
10.44
11.70
12.17
11.74
11.87
12.00
2.82
3.07
2.97
3.01
2.95
Revenue
32.17
30.43
34.19
34.75
35.38
39.46
43.96
47.19
46.11
46.21
46.23
11.46
11.63
11.51
11.61
11.48
   
Selling, General, &Admin. Expense
9.90
9.88
12.88
13.58
14.41
15.33
18.80
18.49
18.26
21.24
21.58
5.08
5.13
4.92
6.10
5.43
Credit Losses Provision
0.27
0.30
0.52
0.87
0.50
5.57
4.75
6.41
5.44
4.68
4.20
1.13
1.13
1.13
1.30
0.65
Other Expenses
4.05
5.23
8.85
8.41
8.57
8.91
9.55
9.47
9.54
7.06
6.93
1.95
2.20
2.06
0.85
1.83
Earnings Before DDA
17.95
15.02
11.95
11.89
11.91
9.65
10.86
12.82
12.87
13.25
13.52
3.30
3.18
3.40
3.36
3.58
   
Depreciation, Depletion and Amortization
4.04
3.46
3.16
2.68
2.06
1.83
2.28
2.34
2.22
2.04
2.04
0.51
0.51
0.50
0.51
0.51
   
Operating Income
13.91
11.56
8.79
9.22
9.85
7.82
8.58
10.48
10.66
11.21
11.49
2.79
2.67
2.90
2.85
3.07
Net Income
10.77
9.31
7.38
7.29
7.94
6.74
7.22
8.42
8.50
8.89
9.07
2.24
2.13
2.30
2.22
2.42
   
Earnings per Share ($)
1.80
1.55
1.23
1.22
1.32
1.13
1.22
1.42
1.43
1.49
1.52
0.38
0.35
0.39
0.37
0.41
Total Shares Outstanding
6.00
6.00
5.98
5.98
6.01
5.99
5.94
5.93
5.94
5.95
5.97
5.95
5.95
5.96
5.96
5.97
Balance SheetAnnuals (USD $) View: Quarterly
Fiscal Period
 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Cash and cash equivalents
33.41
22.70
19.27
20.66
19.21
16.93
24.14
24.17
22.62
51.39
46.29
30.20
67.23
64.50
51.39
46.29
Money Market Investments
--
--
--
--
--
--
9.17
8.42
7.15
5.32
4.77
6.80
6.48
5.89
5.32
4.77
Net Loan
411
437
489
519
544
631
633
653
679
698
691
690
679
690
698
691
Securities & Investments
395
406
368
353
290
253
220
201
219
216
214
217
217
224
216
214
Property, Plant and Equipment
7.05
11.99
14.70
14.87
14.53
14.46
14.76
14.12
14.48
15.13
15.02
14.71
14.72
14.53
15.13
15.02
Intangible Assets
--
--
--
--
--
--
10.33
9.66
9.36
8.72
8.56
9.20
9.04
8.88
8.72
8.56
Other Assets
25.83
46.42
54.22
56.99
58.90
61.46
50.72
58.41
52.63
55.50
56.46
52.84
54.23
55.62
55.50
56.46
Total Assets
873
924
945
965
927
977
962
969
1,005
1,050
1,036
1,021
1,047
1,063
1,050
1,036
   
Total Deposits
639
647
679
670
671
690
729
747
783
834
832
788
818
831
834
832
Current Portion of Long-Term Debt
29.77
64.97
59.31
59.98
30.77
83.45
55.29
39.09
45.96
47.30
42.27
44.42
42.60
52.93
47.30
42.27
Long-Term Debt
87.00
132
126
146
130
107
80.29
81.50
71.19
59.95
52.89
80.13
80.07
70.02
59.95
52.89
Other liabilities
44.18
5.83
6.66
12.24
9.88
11.54
9.49
7.80
7.40
7.30
6.99
9.66
6.77
7.05
7.30
6.99
Total Liabilities
800
850
871
887
842
892
874
875
907
949
934
922
947
961
949
934
   
Common Stock
13.59
13.59
13.59
14.27
14.98
14.98
14.98
14.98
15.02
15.07
15.08
15.03
15.05
15.06
15.07
15.08
Retained Earnings
58.71
63.13
65.56
62.85
61.44
62.92
65.62
69.54
73.53
77.89
79.17
74.63
75.63
76.80
77.89
79.17
Additional Paid-In Capital
--
--
--
4.74
8.79
8.79
8.79
8.79
9.00
9.25
9.32
9.04
9.12
9.18
9.25
9.32
Treasury Stock
--
--
--
--
--
-0.44
-0.73
-0.73
-0.73
-0.73
-0.73
-0.73
-0.73
-0.73
-0.73
-0.73
Total Equity
72.39
74.52
74.01
77.30
85.13
84.44
88.30
93.75
97.47
101
102
98.56
99.91
102
101
102
Cashflow StatementAnnuals (USD $) View: Quarterly
Fiscal Period
 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Net Income
10.77
9.31
7.38
7.29
7.94
6.74
7.22
8.42
8.50
8.89
9.07
2.24
2.13
2.30
2.22
2.42
Depreciation, Depletion and Amortization
4.04
3.46
3.16
2.68
2.06
1.83
2.28
2.34
2.22
2.04
2.04
0.51
0.51
0.50
0.51
0.51
Cash Flow from Others
-1.10
-1.73
0.86
-0.02
-5.48
3.86
0.91
-1.85
7.43
-1.62
2.83
-0.77
3.05
-0.36
-3.54
3.69
Cash Flow from Operations
13.71
11.03
11.39
9.95
4.51
12.43
10.41
8.91
18.15
9.30
13.94
1.98
5.69
2.45
-0.81
6.61
   
Investment for Property, Plant & Equipement
--
--
--
--
--
--
-1.95
-1.09
-1.94
-2.05
-1.71
-0.57
-0.37
-0.15
-0.96
-0.23
Cash Flow from Acquisitions
--
--
--
--
-0.64
-3.02
-0.04
-0.03
-0.34
-2.11
-2.11
--
--
-2.11
--
--
Cash Flow from Investing
-132
-64.64
-30.49
-14.73
42.19
-58.78
18.19
-7.37
-48.29
-17.80
-7.89
-5.88
4.25
-17.77
1.61
4.02
   
Net Issuance of Stock
--
--
--
--
--
-0.44
-0.29
--
0.26
0.30
0.33
0.05
0.09
0.08
0.08
0.09
Net Issuance of Debt
80.23
40.29
-11.88
20.42
-44.49
24.84
-54.82
-15.00
-3.43
-9.90
-29.39
7.40
-1.88
0.27
-15.68
-12.10
Cash Flow for Dividends
-4.84
-4.89
-4.95
-4.57
-4.57
--
-4.51
-4.51
-4.51
-4.52
-4.53
-1.13
-1.13
-1.13
-1.13
-1.13
Other Financing
56.77
7.48
32.51
-9.69
0.91
19.66
38.23
18.00
36.27
51.38
43.63
5.16
30.01
13.39
2.83
-2.59
Cash Flow from Financing
132
42.88
15.68
6.16
-48.14
44.06
-21.39
-1.50
28.58
37.26
10.04
11.49
27.09
12.60
-13.92
-15.73
   
Net Change in Cash
14.32
-10.72
-3.42
1.38
-1.44
-2.29
7.21
0.04
-1.55
28.76
16.09
7.58
37.02
-2.72
-13.12
-5.10
   
Free Cash Flow
13.71
11.03
11.39
9.95
4.51
12.43
8.46
7.82
16.21
7.25
12.23
1.40
5.32
2.30
-1.77
6.38
Valuation Ratios (Daily)AnnualsQuarterly
Fiscal Period
 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
PE Ratio(ttm) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Price to Tangible Book Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Price-to-Free-Cash-Flow ratio Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
PS Ratio Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
EV-to-Revenue Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
EV-to-EBITDA Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
EV-to-EBIT Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Earnings Yield (Joel Greenblatt) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Forward Rate of Return Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Shiller PE Ratio Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Valuation and QualityAnnualsQuarterly
Fiscal Period
 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Market Cap Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Enterprise Value Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Month End Stock Price Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Net Cash (per share) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Net Current Asset Value (per share) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
DCF (per share) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Median PS (per share) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Peter Lynch Fair Value (per share) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Graham Number (per share) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Altman Z-Score Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
Piotroski F-Score Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
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