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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 0.17
ACNB's Cash-to-Debt is ranked lower than
89% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. ACNB: 0.17 )
Ranked among companies with meaningful Cash-to-Debt only.
ACNB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.09  Med: 0.2 Max: No Debt
Current: 0.17
Equity-to-Asset 0.10
ACNB's Equity-to-Asset is ranked higher than
50% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. ACNB: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
ACNB' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.1 Max: 0.11
Current: 0.1
0.08
0.11
Interest Coverage 3.72
ACNB's Interest Coverage is ranked higher than
72% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. ACNB: 3.72 )
Ranked among companies with meaningful Interest Coverage only.
ACNB' s Interest Coverage Range Over the Past 10 Years
Min: 0.37  Med: 1.64 Max: 3.83
Current: 3.72
0.37
3.83
Beneish M-Score: -2.43
WACC vs ROIC
3.93%
5.44%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating Margin % 29.41
ACNB's Operating Margin % is ranked lower than
56% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. ACNB: 29.41 )
Ranked among companies with meaningful Operating Margin % only.
ACNB' s Operating Margin % Range Over the Past 10 Years
Min: 19.51  Med: 25.2 Max: 30.78
Current: 29.41
19.51
30.78
Net Margin % 21.84
ACNB's Net Margin % is ranked lower than
53% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. ACNB: 21.84 )
Ranked among companies with meaningful Net Margin % only.
ACNB' s Net Margin % Range Over the Past 10 Years
Min: 16.42  Med: 19.9 Max: 22.95
Current: 21.84
16.42
22.95
ROE % 9.18
ACNB's ROE % is ranked higher than
55% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. ACNB: 9.18 )
Ranked among companies with meaningful ROE % only.
ACNB' s ROE % Range Over the Past 10 Years
Min: 7.95  Med: 9.1 Max: 9.8
Current: 9.18
7.95
9.8
ROA % 0.92
ACNB's ROA % is ranked higher than
52% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. ACNB: 0.92 )
Ranked among companies with meaningful ROA % only.
ACNB' s ROA % Range Over the Past 10 Years
Min: 0.71  Med: 0.87 Max: 0.98
Current: 0.92
0.71
0.98
3-Year Revenue Growth Rate 2.70
ACNB's 3-Year Revenue Growth Rate is ranked lower than
58% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. ACNB: 2.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ACNB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -1.6  Med: 5.5 Max: 125
Current: 2.7
-1.6
125
3-Year EBITDA Growth Rate 5.50
ACNB's 3-Year EBITDA Growth Rate is ranked lower than
52% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. ACNB: 5.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
ACNB' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -12.7  Med: 4.7 Max: 13.3
Current: 5.5
-12.7
13.3
3-Year EPS without NRI Growth Rate 4.90
ACNB's 3-Year EPS without NRI Growth Rate is ranked lower than
56% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. ACNB: 4.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
ACNB' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -12.1  Med: 3.05 Max: 11.2
Current: 4.9
-12.1
11.2
GuruFocus has detected 5 Warning Signs with ACNB Corp $ACNB.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» ACNB's 10-Y Financials

Financials (Next Earnings Date: 2017-07-28 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

ACNB Guru Trades in Q1 2016

Charles Brandes 12,840 sh (unchged)
» More
Q2 2016

ACNB Guru Trades in Q2 2016

Jim Simons 11,800 sh (New)
Charles Brandes 19,075 sh (+48.56%)
» More
Q3 2016

ACNB Guru Trades in Q3 2016

Charles Brandes 19,075 sh (unchged)
Jim Simons 10,300 sh (-12.71%)
» More
Q4 2016

ACNB Guru Trades in Q4 2016

Jim Simons 15,300 sh (+48.54%)
Charles Brandes 26,421 sh (+38.51%)
» More
» Details

Insider Trades

Latest Guru Trades with ACNB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:HBMD, NAS:UNB, NAS:INBK, NAS:ORRF, OTCBB:CZFS, NAS:FGBI, NAS:FFNW, NAS:BCBP, NAS:OSHC, NAS:CHMG, NAS:PMBC, NAS:SMBK, NAS:ISTR, OTCPK:CARE, NAS:CFFI, AMEX:EVBN, NAS:UNTY, NAS:SBCP, NAS:PWOD, NAS:ESXB » details
Headquarter Location:USA
ACNB Corp through its subsidiaries, offers banking and financial services to individuals and businesses, including commercial and retail banking, trust and investment management, and insurance.

ACNB Corp was incorporated on November 9, 1982 in the state of Pennsylvania. The Corporation is a financial holding company for its subsidiaries ACNB Bank, Russell Insurance Group, Inc. The Corporation along with its banking and nonbanking subsidiaries provides banking and financial services to individuals and businesses, including commercial and retail banking, trust and investment management, and insurance. Through ACNB Bank, the Corporation provides consumer, commercial and fiduciary services to individuals, businesses, public entities, and community organizations. ACNB Bank serves a network of 19 retail banking offices located across Adams County, PA, as well as in Dillsburg and Hanover, York County, PA, and in Newville, Cumberland County, PA. In addition, the Bank operates loan offices in Hanover, York County, and Chambersburg, Franklin County, PA. Through Russell Insurance Group, Inc., the Corporation offers commercial and personal insurance lines with licenses in 36 states, including Maryland and Pennsylvania. The insurance agency is based in Westminster, Carroll County, MD, and has a second location in Germantown, Montgomery County, MD.

Ratios

vs
industry
vs
history
PE Ratio 16.81
ACNB's PE Ratio is ranked lower than
57% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. ACNB: 16.81 )
Ranked among companies with meaningful PE Ratio only.
ACNB' s PE Ratio Range Over the Past 10 Years
Min: 7.59  Med: 11.38 Max: 17.86
Current: 16.81
7.59
17.86
PE Ratio without NRI 16.81
ACNB's PE Ratio without NRI is ranked lower than
57% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. ACNB: 16.81 )
Ranked among companies with meaningful PE Ratio without NRI only.
ACNB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.59  Med: 11.38 Max: 17.86
Current: 16.81
7.59
17.86
PB Ratio 1.53
ACNB's PB Ratio is ranked lower than
65% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. ACNB: 1.53 )
Ranked among companies with meaningful PB Ratio only.
ACNB' s PB Ratio Range Over the Past 10 Years
Min: 0.59  Med: 1.03 Max: 1.62
Current: 1.53
0.59
1.62
PS Ratio 3.68
ACNB's PS Ratio is ranked lower than
52% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. ACNB: 3.68 )
Ranked among companies with meaningful PS Ratio only.
ACNB' s PS Ratio Range Over the Past 10 Years
Min: 1.24  Med: 2.44 Max: 6.55
Current: 3.68
1.24
6.55
Price-to-Free-Cash-Flow 18.72
ACNB's Price-to-Free-Cash-Flow is ranked lower than
73% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. ACNB: 18.72 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
ACNB' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.89  Med: 11.17 Max: 27.73
Current: 18.72
4.89
27.73
Price-to-Operating-Cash-Flow 15.09
ACNB's Price-to-Operating-Cash-Flow is ranked lower than
67% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. ACNB: 15.09 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
ACNB' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.37  Med: 9.13 Max: 22.01
Current: 15.09
4.37
22.01
EV-to-EBIT 18.10
ACNB's EV-to-EBIT is ranked lower than
69% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. ACNB: 18.10 )
Ranked among companies with meaningful EV-to-EBIT only.
ACNB' s EV-to-EBIT Range Over the Past 10 Years
Min: 12.8  Med: 17.5 Max: 67
Current: 18.1
12.8
67
EV-to-EBITDA 16.11
ACNB's EV-to-EBITDA is ranked lower than
67% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. ACNB: 16.11 )
Ranked among companies with meaningful EV-to-EBITDA only.
ACNB' s EV-to-EBITDA Range Over the Past 10 Years
Min: 10.8  Med: 14.6 Max: 54.1
Current: 16.11
10.8
54.1
PEG Ratio 3.05
ACNB's PEG Ratio is ranked lower than
74% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. ACNB: 3.05 )
Ranked among companies with meaningful PEG Ratio only.
ACNB' s PEG Ratio Range Over the Past 10 Years
Min: 0.65  Med: 2.08 Max: 22.52
Current: 3.05
0.65
22.52
Shiller PE Ratio 18.82
ACNB's Shiller PE Ratio is ranked higher than
62% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. ACNB: 18.82 )
Ranked among companies with meaningful Shiller PE Ratio only.
ACNB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 4.45  Med: 10.49 Max: 20.06
Current: 18.82
4.45
20.06

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.64
ACNB's Dividend Yield % is ranked higher than
51% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. ACNB: 2.64 )
Ranked among companies with meaningful Dividend Yield % only.
ACNB' s Dividend Yield % Range Over the Past 10 Years
Min: 2.49  Med: 4.62 Max: 8.94
Current: 2.64
2.49
8.94
Dividend Payout Ratio 0.44
ACNB's Dividend Payout Ratio is ranked lower than
67% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. ACNB: 0.44 )
Ranked among companies with meaningful Dividend Payout Ratio only.
ACNB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.44  Med: 0.52 Max: 0.67
Current: 0.44
0.44
0.67
3-Year Dividend Growth Rate 1.70
ACNB's 3-Year Dividend Growth Rate is ranked lower than
72% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. ACNB: 1.70 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
ACNB' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -14.4  Med: 0.4 Max: 7.3
Current: 1.7
-14.4
7.3
Forward Dividend Yield % 2.64
ACNB's Forward Dividend Yield % is ranked lower than
52% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. ACNB: 2.64 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.81
ACNB's 5-Year Yield-on-Cost % is ranked lower than
55% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. ACNB: 2.81 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
ACNB' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.64  Med: 4.91 Max: 9.49
Current: 2.81
2.64
9.49
3-Year Average Share Buyback Ratio -0.40
ACNB's 3-Year Average Share Buyback Ratio is ranked higher than
66% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. ACNB: -0.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ACNB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -3.1  Med: 0 Max: 2.2
Current: -0.4
-3.1
2.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.62
ACNB's Price-to-Tangible-Book is ranked lower than
63% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. ACNB: 1.62 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
ACNB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.93  Med: 1.48 Max: 2.33
Current: 1.62
0.93
2.33
Price-to-Intrinsic-Value-Projected-FCF 0.89
ACNB's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
57% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. ACNB: 0.89 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
ACNB' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.49  Med: 0.65 Max: 1.52
Current: 0.89
0.49
1.52
Price-to-Intrinsic-Value-DCF (Earnings Based) 1.57
ACNB's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
83% of the 139 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. ACNB: 1.57 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.51
ACNB's Price-to-Median-PS-Value is ranked lower than
76% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. ACNB: 1.51 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ACNB' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.72  Med: 1.17 Max: 2.64
Current: 1.51
0.72
2.64
Price-to-Peter-Lynch-Fair-Value 2.59
ACNB's Price-to-Peter-Lynch-Fair-Value is ranked lower than
82% of the 426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. ACNB: 2.59 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
ACNB' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.68  Med: 1.75 Max: 2.68
Current: 2.59
0.68
2.68
Price-to-Graham-Number 1.10
ACNB's Price-to-Graham-Number is ranked lower than
56% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. ACNB: 1.10 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ACNB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.63  Med: 0.94 Max: 1.35
Current: 1.1
0.63
1.35
Earnings Yield (Greenblatt) % 5.52
ACNB's Earnings Yield (Greenblatt) % is ranked lower than
52% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. ACNB: 5.52 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
ACNB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.5  Med: 5.7 Max: 7.8
Current: 5.52
1.5
7.8
Forward Rate of Return (Yacktman) % 12.08
ACNB's Forward Rate of Return (Yacktman) % is ranked higher than
53% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. ACNB: 12.08 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
ACNB' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -8.9  Med: 13.4 Max: 26.2
Current: 12.08
-8.9
26.2

More Statistics

Revenue (TTM) (Mil) $49.77
EPS (TTM) $ 1.80
Beta0.42
Short Percentage of Float0.88%
52-Week Range $21.75 - 32.85
Shares Outstanding (Mil)6.06

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