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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 lower than
80% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. ACNB: 0.24 )
Ranked among companies with meaningful Cash to Debt only.
ACNB' s 10-Year Cash to Debt Range
Min: 0.08  Med: 0.24 Max: No Debt
Current: 0.24
Equity to Asset 0.10
ACNB's Equity to Asset is ranked higher than
51% of the 1290 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 10-Year Equity to Asset Range
Min: 0.08  Med: 0.10 Max: 0.11
Current: 0.1
0.08
0.11
Interest Coverage 3.67
ACNB's Interest Coverage is ranked higher than
73% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. ACNB: 3.67 )
Ranked among companies with meaningful Interest Coverage only.
ACNB' s 10-Year Interest Coverage Range
Min: 0.37  Med: 0.75 Max: 3.67
Current: 3.67
0.37
3.67
F-Score: 5
WACC vs ROIC
2.70%
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 lower than
51% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. ACNB: 29.30 )
Ranked among companies with meaningful Operating margin (%) only.
ACNB' s 10-Year Operating margin (%) Range
Min: -502.89  Med: 26.00 Max: 47.67
Current: 29.3
-502.89
47.67
Net-margin (%) 22.33
ACNB's Net-margin (%) is ranked higher than
53% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. ACNB: 22.33 )
Ranked among companies with meaningful Net-margin (%) only.
ACNB' s 10-Year Net-margin (%) Range
Min: 16.42  Med: 22.48 Max: 396.99
Current: 22.33
16.42
396.99
ROE (%) 9.38
ACNB's ROE (%) is ranked higher than
59% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. ACNB: 9.38 )
Ranked among companies with meaningful ROE (%) only.
ACNB' s 10-Year ROE (%) Range
Min: 7.95  Med: 9.93 Max: 15.08
Current: 9.38
7.95
15.08
ROA (%) 0.96
ACNB's ROA (%) is ranked higher than
62% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. ACNB: 0.96 )
Ranked among companies with meaningful ROA (%) only.
ACNB' s 10-Year ROA (%) Range
Min: 0.71  Med: 0.96 Max: 1.54
Current: 0.96
0.71
1.54
ROC (Joel Greenblatt) (%) 37.47
ACNB's ROC (Joel Greenblatt) (%) is ranked lower than
70% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. ACNB: 37.47 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
ACNB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -253.28  Med: 28.73 Max: 266.02
Current: 37.47
-253.28
266.02
Revenue Growth (3Y)(%) -0.60
ACNB's Revenue Growth (3Y)(%) is ranked lower than
63% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. ACNB: -0.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ACNB' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 5.60 Max: 126.1
Current: -0.6
0
126.1
EBITDA Growth (3Y)(%) 5.80
ACNB's EBITDA Growth (3Y)(%) is ranked lower than
54% of the 1011 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. ACNB: 5.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ACNB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 2.65 Max: 13.2
Current: 5.8
0
13.2
EPS Growth (3Y)(%) 6.10
ACNB's EPS Growth (3Y)(%) is ranked lower than
59% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. ACNB: 6.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ACNB' s 10-Year EPS Growth (3Y)(%) Range
Min: -12.2  Med: 2.90 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
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 12.09
ACNB's P/E(ttm) is ranked higher than
65% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. ACNB: 12.09 )
Ranked among companies with meaningful P/E(ttm) only.
ACNB' s 10-Year P/E(ttm) Range
Min: 7.6  Med: 11.37 Max: 17.03
Current: 12.09
7.6
17.03
Forward P/E 10.89
ACNB's Forward P/E is ranked higher than
64% of the 750 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. ACNB: 10.89 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.90
ACNB's PE(NRI) is ranked higher than
65% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. ACNB: 11.90 )
Ranked among companies with meaningful PE(NRI) only.
ACNB' s 10-Year PE(NRI) Range
Min: 7.59  Med: 11.31 Max: 17.02
Current: 11.9
7.59
17.02
P/B 1.13
ACNB's P/B is ranked higher than
51% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. ACNB: 1.13 )
Ranked among companies with meaningful P/B only.
ACNB' s 10-Year P/B Range
Min: 0.59  Med: 1.02 Max: 1.95
Current: 1.13
0.59
1.95
P/S 2.71
ACNB's P/S is ranked higher than
58% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. ACNB: 2.71 )
Ranked among companies with meaningful P/S only.
ACNB' s 10-Year P/S Range
Min: 1.24  Med: 2.36 Max: 6.54
Current: 2.71
1.24
6.54
POCF 11.83
ACNB's POCF is ranked lower than
58% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. ACNB: 11.83 )
Ranked among companies with meaningful POCF only.
ACNB' s 10-Year POCF Range
Min: 4.38  Med: 7.67 Max: 21.92
Current: 11.83
4.38
21.92
EV-to-EBIT 15.55
ACNB's EV-to-EBIT is ranked lower than
55% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. ACNB: 15.55 )
Ranked among companies with meaningful EV-to-EBIT only.
ACNB' s 10-Year EV-to-EBIT Range
Min: 12.8  Med: 19.70 Max: 67
Current: 15.55
12.8
67
PEG 2.09
ACNB's PEG is ranked lower than
73% of the 542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. ACNB: 2.09 )
Ranked among companies with meaningful PEG only.
ACNB' s 10-Year PEG Range
Min: 0.64  Med: 1.88 Max: 7.8
Current: 2.09
0.64
7.8
Shiller P/E 13.57
ACNB's Shiller P/E is ranked higher than
70% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.62 vs. ACNB: 13.57 )
Ranked among companies with meaningful Shiller P/E only.
ACNB' s 10-Year Shiller P/E Range
Min: 5.74  Med: 11.30 Max: 15.03
Current: 13.57
5.74
15.03

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.77
ACNB's Dividend Yield is ranked higher than
74% of the 2112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. ACNB: 3.77 )
Ranked among companies with meaningful Dividend Yield only.
ACNB' s 10-Year Dividend Yield Range
Min: 2.62  Med: 4.42 Max: 8.94
Current: 3.77
2.62
8.94
Dividend Payout 0.45
ACNB's Dividend Payout is ranked lower than
68% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.24 vs. ACNB: 0.45 )
Ranked among companies with meaningful Dividend Payout only.
ACNB' s 10-Year Dividend Payout Range
Min: 0.08  Med: 0.51 Max: 2.38
Current: 0.45
0.08
2.38
Dividend growth (3y) 0.40
ACNB's Dividend growth (3y) is ranked lower than
73% of the 640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. ACNB: 0.40 )
Ranked among companies with meaningful Dividend growth (3y) only.
ACNB' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 50.5
Current: 0.4
0
50.5
Yield on cost (5-Year) 3.81
ACNB's Yield on cost (5-Year) is ranked higher than
66% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.91 vs. ACNB: 3.81 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ACNB' s 10-Year Yield on cost (5-Year) Range
Min: 2.65  Med: 4.46 Max: 9.03
Current: 3.81
2.65
9.03
Share Buyback Rate -0.40
ACNB's Share Buyback Rate is ranked higher than
64% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. ACNB: -0.40 )
Ranked among companies with meaningful Share Buyback Rate only.
ACNB' s 10-Year Share Buyback Rate Range
Min: 2.1  Med: 0.00 Max: -3.1
Current: -0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.21
ACNB's Price/Tangible Book is ranked higher than
50% of the 1331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. ACNB: 1.21 )
Ranked among companies with meaningful Price/Tangible Book only.
ACNB' s 10-Year Price/Tangible Book Range
Min: 0.66  Med: 1.28 Max: 2.08
Current: 1.21
0.66
2.08
Price/Projected FCF 0.78
ACNB's Price/Projected FCF is ranked lower than
58% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. ACNB: 0.78 )
Ranked among companies with meaningful Price/Projected FCF only.
ACNB' s 10-Year Price/Projected FCF Range
Min: 0.4  Med: 0.61 Max: 1.54
Current: 0.78
0.4
1.54
Price/Median PS Value 1.15
ACNB's Price/Median PS Value is ranked lower than
52% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. ACNB: 1.15 )
Ranked among companies with meaningful Price/Median PS Value only.
ACNB' s 10-Year Price/Median PS Value Range
Min: 0.58  Med: 1.29 Max: 6.71
Current: 1.15
0.58
6.71
Price/Graham Number 0.81
ACNB's Price/Graham Number is ranked higher than
60% of the 1154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. ACNB: 0.81 )
Ranked among companies with meaningful Price/Graham Number only.
ACNB' s 10-Year Price/Graham Number Range
Min: 0.5  Med: 0.83 Max: 1.96
Current: 0.81
0.5
1.96
Earnings Yield (Greenblatt) (%) 6.33
ACNB's Earnings Yield (Greenblatt) (%) is ranked higher than
50% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. ACNB: 6.33 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ACNB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.5  Med: 5.10 Max: 7.8
Current: 6.33
1.5
7.8
Forward Rate of Return (Yacktman) (%) 9.69
ACNB's Forward Rate of Return (Yacktman) (%) is ranked lower than
59% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. ACNB: 9.69 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ACNB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -10.8  Med: 11.60 Max: 28.5
Current: 9.69
-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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ACNB Bank Participates in National Teach Children to Save Campaign Jun 05 2015
Richard L. Alloway II Elected to the Board of Directors of ACNB Corporation Jun 03 2015
ACNB CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 03 2015
ACNB Bank Celebrates the Opening of its Second Location in Chambersburg May 28 2015
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ACNB posts 1Q profit May 01 2015
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ACNB CORP Files SEC form 10-Q, Quarterly Report May 01 2015
ACNB Corporation Reports First Quarter Earnings Apr 30 2015
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ACNB CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 23 2015
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