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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.24
ACNB's Cash to Debt is ranked higher than
56% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.86 vs. ACNB: 0.24 )
ACNB' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 0.24

Equity to Asset 0.10
ACNB's Equity to Asset is ranked higher than
69% of the 2312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. ACNB: 0.10 )
ACNB' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.11
Current: 0.1

0.08
0.11
Interest Coverage 3.67
ACNB's Interest Coverage is ranked higher than
85% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. ACNB: 3.67 )
ACNB' s 10-Year Interest Coverage Range
Min: 0.37   Max: 3.67
Current: 3.67

0.37
3.67
F-Score: 5
Z-Score: 0.28
WACC vs ROIC
2.52%
5.03%
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 (%) 29.30
ACNB's Operating margin (%) is ranked higher than
73% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.22 vs. ACNB: 29.30 )
ACNB' s 10-Year Operating margin (%) Range
Min: -429.3   Max: 47.67
Current: 29.3

-429.3
47.67
Net-margin (%) 22.33
ACNB's Net-margin (%) is ranked higher than
74% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.12 vs. ACNB: 22.33 )
ACNB' s 10-Year Net-margin (%) Range
Min: 16.42   Max: 352.63
Current: 22.33

16.42
352.63
ROE (%) 9.38
ACNB's ROE (%) is ranked higher than
77% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. ACNB: 9.38 )
ACNB' s 10-Year ROE (%) Range
Min: 7.95   Max: 15.08
Current: 9.38

7.95
15.08
ROA (%) 0.96
ACNB's ROA (%) is ranked higher than
78% of the 2433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. ACNB: 0.96 )
ACNB' s 10-Year ROA (%) Range
Min: 0.71   Max: 1.54
Current: 0.96

0.71
1.54
ROC (Joel Greenblatt) (%) 37.47
ACNB's ROC (Joel Greenblatt) (%) is ranked higher than
61% of the 2392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 89.92 vs. ACNB: 37.47 )
ACNB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -341.83   Max: 266.02
Current: 37.47

-341.83
266.02
Revenue Growth (3Y)(%) -0.60
ACNB's Revenue Growth (3Y)(%) is ranked higher than
66% of the 2094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. ACNB: -0.60 )
ACNB' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 126.1
Current: -0.6

0
126.1
EBITDA Growth (3Y)(%) 5.80
ACNB's EBITDA Growth (3Y)(%) is ranked higher than
71% of the 1872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. ACNB: 5.80 )
ACNB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 13.2
Current: 5.8

0
13.2
EPS Growth (3Y)(%) 6.10
ACNB's EPS Growth (3Y)(%) is ranked higher than
70% of the 1904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. ACNB: 6.10 )
ACNB' s 10-Year EPS Growth (3Y)(%) Range
Min: -12.2   Max: 11.2
Current: 6.1

-12.2
11.2
» ACNB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

ACNB Guru Trades in

ACNB Guru Trades in

ACNB Guru Trades in

Q2 2013

ACNB Guru Trades in Q2 2013

Tom Russo Sold Out
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» 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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Ratios

vs
industry
vs
history
P/E(ttm) 11.70
ACNB's P/E(ttm) is ranked higher than
86% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. ACNB: 11.70 )
ACNB' s 10-Year P/E(ttm) Range
Min: 7.6   Max: 17.03
Current: 11.7

7.6
17.03
Forward P/E 10.74
ACNB's Forward P/E is ranked higher than
88% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ACNB: 10.74 )
N/A
PE(NRI) 11.70
ACNB's PE(NRI) is ranked higher than
87% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. ACNB: 11.70 )
ACNB' s 10-Year PE(NRI) Range
Min: 7.59   Max: 17.02
Current: 11.7

7.59
17.02
P/B 1.09
ACNB's P/B is ranked higher than
78% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. ACNB: 1.09 )
ACNB' s 10-Year P/B Range
Min: 0.59   Max: 2.04
Current: 1.09

0.59
2.04
P/S 2.63
ACNB's P/S is ranked higher than
76% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.73 vs. ACNB: 2.63 )
ACNB' s 10-Year P/S Range
Min: 1.24   Max: 6.54
Current: 2.63

1.24
6.54
POCF 11.47
ACNB's POCF is ranked higher than
82% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 194.36 vs. ACNB: 11.47 )
ACNB' s 10-Year POCF Range
Min: 4.38   Max: 21.92
Current: 11.47

4.38
21.92
EV-to-EBIT 15.33
ACNB's EV-to-EBIT is ranked higher than
77% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.17 vs. ACNB: 15.33 )
ACNB' s 10-Year EV-to-EBIT Range
Min: 12.8   Max: 67
Current: 15.33

12.8
67
PEG 2.05
ACNB's PEG is ranked higher than
88% of the 3226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ACNB: 2.05 )
ACNB' s 10-Year PEG Range
Min: 0.64   Max: 7.8
Current: 2.05

0.64
7.8
Shiller P/E 13.14
ACNB's Shiller P/E is ranked higher than
92% of the 3226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ACNB: 13.14 )
ACNB' s 10-Year Shiller P/E Range
Min: 5.78   Max: 15.03
Current: 13.14

5.78
15.03

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.84
ACNB's Dividend Yield is ranked higher than
76% of the 2288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.49 vs. ACNB: 3.84 )
ACNB' s 10-Year Dividend Yield Range
Min: 2.61   Max: 8.94
Current: 3.84

2.61
8.94
Dividend Payout 0.45
ACNB's Dividend Payout is ranked higher than
73% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. ACNB: 0.45 )
ACNB' s 10-Year Dividend Payout Range
Min: 0.08   Max: 2.38
Current: 0.45

0.08
2.38
Dividend growth (3y) 0.40
ACNB's Dividend growth (3y) is ranked higher than
67% of the 1377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. ACNB: 0.40 )
ACNB' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 50.5
Current: 0.4

0
50.5
Yield on cost (5-Year) 3.94
ACNB's Yield on cost (5-Year) is ranked higher than
67% of the 2296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.82 vs. ACNB: 3.94 )
ACNB' s 10-Year Yield on cost (5-Year) Range
Min: 2.64   Max: 9.03
Current: 3.94

2.64
9.03
Share Buyback Rate -0.40
ACNB's Share Buyback Rate is ranked higher than
80% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. ACNB: -0.40 )
ACNB' s 10-Year Share Buyback Rate Range
Min: 2.1   Max: -3
Current: -0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.17
ACNB's Price/Tangible Book is ranked higher than
79% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. ACNB: 1.17 )
ACNB' s 10-Year Price/Tangible Book Range
Min: 0.66   Max: 2.08
Current: 1.17

0.66
2.08
Price/DCF (Projected) 0.73
ACNB's Price/DCF (Projected) is ranked higher than
86% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. ACNB: 0.73 )
ACNB' s 10-Year Price/DCF (Projected) Range
Min: 0.4   Max: 1.54
Current: 0.73

0.4
1.54
Price/Median PS Value 1.10
ACNB's Price/Median PS Value is ranked higher than
76% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. ACNB: 1.10 )
ACNB' s 10-Year Price/Median PS Value Range
Min: 0.58   Max: 6.71
Current: 1.1

0.58
6.71
Price/Graham Number 0.79
ACNB's Price/Graham Number is ranked higher than
85% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. ACNB: 0.79 )
ACNB' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 1.96
Current: 0.79

0.5
1.96
Earnings Yield (Greenblatt) 6.50
ACNB's Earnings Yield (Greenblatt) is ranked higher than
70% of the 2417 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. ACNB: 6.50 )
ACNB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.5   Max: 7.8
Current: 6.5

1.5
7.8
Forward Rate of Return (Yacktman) 10.39
ACNB's Forward Rate of Return (Yacktman) is ranked higher than
68% of the 1444 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.67 vs. ACNB: 10.39 )
ACNB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -10.8   Max: 28.5
Current: 10.39

-10.8
28.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.
» More Articles for ACNB

Headlines

Articles On GuruFocus.com
comment on ACNB Mar 17 2012 
div Mar 13 2012 
High Yield Ex-Dividend Date Reminder for February 28, 2012 Feb 27 2012 

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