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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 0.50
ACNB's Cash to Debt is ranked lower than
74% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 vs. ACNB: 0.50 )
Ranked among companies with meaningful Cash to Debt only.
ACNB' s Cash to Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.25 Max: No Debt
Current: 0.5
Equity to Asset 0.10
ACNB's Equity to Asset is ranked higher than
50% of the 1614 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 3.86
ACNB's Interest Coverage is ranked higher than
74% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. ACNB: 3.86 )
Ranked among companies with meaningful Interest Coverage only.
ACNB' s Interest Coverage Range Over the Past 10 Years
Min: 0.37  Med: 1.26 Max: 3.86
Current: 3.86
0.37
3.86
F-Score: 4
M-Score: -2.43
WACC vs ROIC
4.34%
5.75%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 30.32
ACNB's Operating margin (%) is ranked lower than
53% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 vs. ACNB: 30.32 )
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: 30.32
19.51
30.78
Net-margin (%) 22.64
ACNB's Net-margin (%) is ranked higher than
51% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. ACNB: 22.64 )
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: 22.64
16.42
22.95
ROE (%) 9.51
ACNB's ROE (%) is ranked higher than
58% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. ACNB: 9.51 )
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: 9.51
7.95
9.8
ROA (%) 0.96
ACNB's ROA (%) is ranked higher than
56% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. ACNB: 0.96 )
Ranked among companies with meaningful ROA (%) only.
ACNB' s ROA (%) Range Over the Past 10 Years
Min: 0.71  Med: 0.86 Max: 0.98
Current: 0.96
0.71
0.98
Revenue Growth (3Y)(%) 0.90
ACNB's Revenue Growth (3Y)(%) is ranked lower than
66% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. ACNB: 0.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ACNB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -1.6  Med: 5.4 Max: 125
Current: 0.9
-1.6
125
EBITDA Growth (3Y)(%) 7.20
ACNB's EBITDA Growth (3Y)(%) is ranked higher than
56% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. ACNB: 7.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ACNB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -12.7  Med: 4.3 Max: 13.3
Current: 7.2
-12.7
13.3
EPS Growth (3Y)(%) 7.10
ACNB's EPS Growth (3Y)(%) is ranked lower than
51% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. ACNB: 7.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ACNB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -12.1  Med: 3.2 Max: 11.2
Current: 7.1
-12.1
11.2
GuruFocus has detected 6 Warning Signs with ACNB Corp $ACNB.
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» ACNB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. 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:UNTY, NAS:PMBC, OTCPK:FMAO, NAS:ESXB, NAS:CIVB, OTCPK:FNBG, NAS:HBMD, OTCBB:CZFS, NAS:CUBN, NAS:SMBK, AMEX:EVBN, NAS:CFCB, NAS:UNB, NAS:FGBI, NAS:PVBC, NAS:CHMG, NYSE:MSL, NAS:CFFI, NAS:ORRF, NAS:BCBP » details
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
P/E(ttm) 16.01
ACNB's P/E(ttm) is ranked lower than
58% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. ACNB: 16.01 )
Ranked among companies with meaningful P/E(ttm) only.
ACNB' s P/E(ttm) Range Over the Past 10 Years
Min: 7.59  Med: 11.38 Max: 17.47
Current: 16.01
7.59
17.47
PE(NRI) 16.01
ACNB's PE(NRI) is ranked lower than
57% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. ACNB: 16.01 )
Ranked among companies with meaningful PE(NRI) only.
ACNB' s PE(NRI) Range Over the Past 10 Years
Min: 7.59  Med: 11.38 Max: 17.47
Current: 16.01
7.59
17.47
Price/Owner Earnings (ttm) 16.43
ACNB's Price/Owner Earnings (ttm) is ranked lower than
55% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. ACNB: 16.43 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
ACNB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.15  Med: 13.4 Max: 35.63
Current: 16.43
2.15
35.63
P/B 1.48
ACNB's P/B is ranked lower than
65% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. ACNB: 1.48 )
Ranked among companies with meaningful P/B only.
ACNB' s P/B Range Over the Past 10 Years
Min: 0.59  Med: 1.03 Max: 1.62
Current: 1.48
0.59
1.62
P/S 3.61
ACNB's P/S is ranked lower than
53% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. ACNB: 3.61 )
Ranked among companies with meaningful P/S only.
ACNB' s P/S Range Over the Past 10 Years
Min: 1.24  Med: 2.45 Max: 6.55
Current: 3.61
1.24
6.55
PFCF 20.30
ACNB's PFCF is ranked lower than
65% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. ACNB: 20.30 )
Ranked among companies with meaningful PFCF only.
ACNB' s PFCF Range Over the Past 10 Years
Min: 4.89  Med: 11.18 Max: 27.73
Current: 20.3
4.89
27.73
POCF 15.82
ACNB's POCF is ranked lower than
59% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. ACNB: 15.82 )
Ranked among companies with meaningful POCF only.
ACNB' s POCF Range Over the Past 10 Years
Min: 4.37  Med: 9.2 Max: 22.01
Current: 15.82
4.37
22.01
EV-to-EBIT 16.14
ACNB's EV-to-EBIT is ranked lower than
62% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. ACNB: 16.14 )
Ranked among companies with meaningful EV-to-EBIT only.
ACNB' s EV-to-EBIT Range Over the Past 10 Years
Min: 12.8  Med: 17.3 Max: 67
Current: 16.14
12.8
67
EV-to-EBITDA 14.43
ACNB's EV-to-EBITDA is ranked lower than
60% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. ACNB: 14.43 )
Ranked among companies with meaningful EV-to-EBITDA only.
ACNB' s EV-to-EBITDA Range Over the Past 10 Years
Min: 10.8  Med: 14.5 Max: 54.1
Current: 14.43
10.8
54.1
PEG 3.14
ACNB's PEG is ranked lower than
76% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. ACNB: 3.14 )
Ranked among companies with meaningful PEG only.
ACNB' s PEG Range Over the Past 10 Years
Min: 0.65  Med: 2.1 Max: 22.52
Current: 3.14
0.65
22.52
Shiller P/E 18.56
ACNB's Shiller P/E is ranked higher than
62% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. ACNB: 18.56 )
Ranked among companies with meaningful Shiller P/E only.
ACNB' s Shiller P/E Range Over the Past 10 Years
Min: 4.47  Med: 10.44 Max: 20.22
Current: 18.56
4.47
20.22

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.72
ACNB's Dividend Yield is ranked higher than
51% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. ACNB: 2.72 )
Ranked among companies with meaningful Dividend Yield only.
ACNB' s Dividend Yield Range Over the Past 10 Years
Min: 2.49  Med: 4.61 Max: 8.94
Current: 2.72
2.49
8.94
Dividend Payout 0.43
ACNB's Dividend Payout is ranked lower than
66% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. ACNB: 0.43 )
Ranked among companies with meaningful Dividend Payout only.
ACNB' s Dividend Payout Range Over the Past 10 Years
Min: 0.43  Med: 0.53 Max: 0.67
Current: 0.43
0.43
0.67
Dividend Growth (3y) 1.70
ACNB's Dividend Growth (3y) is ranked lower than
73% of the 766 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. ACNB: 1.70 )
Ranked among companies with meaningful Dividend Growth (3y) only.
ACNB' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -5.3  Med: 0.4 Max: 7.3
Current: 1.7
-5.3
7.3
Forward Dividend Yield 2.72
ACNB's Forward Dividend Yield is ranked lower than
52% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. ACNB: 2.72 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.84
ACNB's Yield on cost (5-Year) is ranked lower than
58% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. ACNB: 2.84 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ACNB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.6  Med: 4.83 Max: 9.35
Current: 2.84
2.6
9.35
3-Year Average Share Buyback Ratio -0.40
ACNB's 3-Year Average Share Buyback Ratio is ranked higher than
67% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 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: -2.7  Med: 0 Max: 2.2
Current: -0.4
-2.7
2.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.57
ACNB's Price/Tangible Book is ranked lower than
64% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. ACNB: 1.57 )
Ranked among companies with meaningful Price/Tangible Book only.
ACNB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.66  Med: 1.23 Max: 2.08
Current: 1.57
0.66
2.08
Price/Projected FCF 0.88
ACNB's Price/Projected FCF is ranked lower than
54% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. ACNB: 0.88 )
Ranked among companies with meaningful Price/Projected FCF only.
ACNB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.41  Med: 0.63 Max: 1.52
Current: 0.88
0.41
1.52
Price/Median PS Value 1.47
ACNB's Price/Median PS Value is ranked lower than
76% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. ACNB: 1.47 )
Ranked among companies with meaningful Price/Median PS Value only.
ACNB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.56  Med: 1.16 Max: 6.54
Current: 1.47
0.56
6.54
Price/Peter Lynch Fair Value 2.46
ACNB's Price/Peter Lynch Fair Value is ranked lower than
83% of the 438 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. ACNB: 2.46 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
ACNB' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.68  Med: 1.67 Max: 2.46
Current: 2.46
0.68
2.46
Price/Graham Number 1.05
ACNB's Price/Graham Number is ranked lower than
57% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. ACNB: 1.05 )
Ranked among companies with meaningful Price/Graham Number only.
ACNB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.5  Med: 0.79 Max: 1.17
Current: 1.05
0.5
1.17
Earnings Yield (Greenblatt) (%) 6.20
ACNB's Earnings Yield (Greenblatt) (%) is ranked higher than
53% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. ACNB: 6.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ACNB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.5  Med: 5.8 Max: 7.8
Current: 6.2
1.5
7.8
Forward Rate of Return (Yacktman) (%) 12.57
ACNB's Forward Rate of Return (Yacktman) (%) is ranked higher than
56% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. ACNB: 12.57 )
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: 13.3 Max: 26.2
Current: 12.57
-8.9
26.2

More Statistics

Revenue (TTM) (Mil) $49.24
EPS (TTM) $ 1.84
Beta0.42
Short Percentage of Float0.78%
52-Week Range $21.18 - 32.85
Shares Outstanding (Mil)6.06
» More Articles for ACNB

Headlines

Articles On GuruFocus.com
High Yield Ex-Dividend Date Reminder for February 28, 2012 Feb 27 2012 

More From Other Websites
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Levi & Korsinsky, LLP Announces Investigation Into the Sale of New Windsor Bancorp (NWID) to ACNB... Nov 22 2016
SHAREHOLDER ALERT: Levi & Korsinsky, LLP Announces an Investigation Into Whether the Sale of New... Nov 22 2016
ACNB Corporation To Acquire New Windsor Bancorp, Inc. In Northern Maryland Nov 22 2016
ACNB Corporation to Acquire New Windsor Bancorp, Inc. in Northern Maryland Nov 22 2016
ACNB CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 22 2016
York County SPCA Receives Contribution From ACNB Bank Nov 21 2016
ACNB Bank Hosts Food Drive To Benefit York County Food Bank Nov 10 2016
ACNB Bank Celebrates The Reopening Of Its Lincoln Square Office Nov 04 2016
ACNB CORP Financials Nov 03 2016
ACNB Corp. :ACNB-US: Earnings Analysis: Q3, 2016 By the Numbers : November 1, 2016 Nov 01 2016
ACNB CORP Files SEC form 10-Q, Quarterly Report Oct 28 2016
ACNB Hosts Food Drive Through November 30 Oct 27 2016

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