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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 0.17
ACNB's Cash to Debt is ranked higher than
51% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. ACNB: 0.17 )
ACNB' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 0.17

Equity to Asset 0.10
ACNB's Equity to Asset is ranked higher than
76% of the 1649 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 2.97
ACNB's Interest Coverage is ranked higher than
83% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. ACNB: 2.97 )
ACNB' s 10-Year Interest Coverage Range
Min: 0.37   Max: 2.97
Current: 2.97

0.37
2.97
F-Score: 4
Z-Score: 0.25
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 : 7/10

vs
industry
vs
history
Operating margin (%) 26.15
ACNB's Operating margin (%) is ranked higher than
70% of the 1594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.40 vs. ACNB: 26.15 )
ACNB' s 10-Year Operating margin (%) Range
Min: -502.89   Max: 47.67
Current: 26.15

-502.89
47.67
Net-margin (%) 20.56
ACNB's Net-margin (%) is ranked higher than
73% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. ACNB: 20.56 )
ACNB' s 10-Year Net-margin (%) Range
Min: 16.42   Max: 396.99
Current: 20.56

16.42
396.99
ROE (%) 8.72
ACNB's ROE (%) is ranked higher than
77% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. ACNB: 8.72 )
ACNB' s 10-Year ROE (%) Range
Min: 7.99   Max: 14.8
Current: 8.72

7.99
14.8
ROA (%) 0.89
ACNB's ROA (%) is ranked higher than
79% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. ACNB: 0.89 )
ACNB' s 10-Year ROA (%) Range
Min: 0.69   Max: 1.55
Current: 0.89

0.69
1.55
ROC (Joel Greenblatt) (%) 25.25
ACNB's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.85 vs. ACNB: 25.25 )
ACNB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -199.71   Max: 261.37
Current: 25.25

-199.71
261.37
Revenue Growth (%) -1.60
ACNB's Revenue Growth (%) is ranked higher than
67% of the 1443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. ACNB: -1.60 )
ACNB' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 126.1
Current: -1.6

0
126.1
EBITDA Growth (%) 2.40
ACNB's EBITDA Growth (%) is ranked higher than
66% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. ACNB: 2.40 )
ACNB' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 13.2
Current: 2.4

0
13.2
EPS Growth (%) 3.20
ACNB's EPS Growth (%) is ranked higher than
67% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. ACNB: 3.20 )
ACNB' s 10-Year EPS Growth (%) Range
Min: -12.2   Max: 11.2
Current: 3.2

-12.2
11.2
» ACNB's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2012

ACNB Guru Trades in Q3 2012

Tom Russo 881 sh (unchged)
» More
Q4 2012

ACNB Guru Trades in Q4 2012

Tom Russo 881 sh (unchged)
» More
Q1 2013

ACNB Guru Trades in Q1 2013

Tom Russo 881 sh (unchged)
» More
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%)



No Insider Trades Found!
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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.00
ACNB's P/E(ttm) is ranked higher than
83% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. ACNB: 12.00 )
ACNB' s 10-Year P/E(ttm) Range
Min: 7.6   Max: 16.9
Current: 12

7.6
16.9
P/B 1.10
ACNB's P/B is ranked higher than
76% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. ACNB: 1.10 )
ACNB' s 10-Year P/B Range
Min: 0.59   Max: 2.16
Current: 1.1

0.59
2.16
P/S 2.49
ACNB's P/S is ranked higher than
78% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. ACNB: 2.49 )
ACNB' s 10-Year P/S Range
Min: 1.24   Max: 6.18
Current: 2.49

1.24
6.18
PFCF 7.80
ACNB's PFCF is ranked higher than
81% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 26.04 vs. ACNB: 7.80 )
ACNB' s 10-Year PFCF Range
Min: 4.88   Max: 22.29
Current: 7.8

4.88
22.29
EV-to-EBIT 17.57
ACNB's EV-to-EBIT is ranked higher than
71% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.36 vs. ACNB: 17.57 )
ACNB' s 10-Year EV-to-EBIT Range
Min: 12.8   Max: 67
Current: 17.57

12.8
67
PEG 2.40
ACNB's PEG is ranked higher than
77% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. ACNB: 2.40 )
ACNB' s 10-Year PEG Range
Min: 0.65   Max: 9.75
Current: 2.4

0.65
9.75
Shiller P/E 12.90
ACNB's Shiller P/E is ranked higher than
93% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 98.15 vs. ACNB: 12.90 )
ACNB' s 10-Year Shiller P/E Range
Min: 5.74   Max: 15.06
Current: 12.9

5.74
15.06

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.07
ACNB's Dividend Yield is ranked higher than
78% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.43 vs. ACNB: 4.07 )
ACNB' s 10-Year Dividend Yield Range
Min: 2.9   Max: 8.94
Current: 4.07

2.9
8.94
Dividend Payout 0.49
ACNB's Dividend Payout is ranked higher than
79% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. ACNB: 0.49 )
ACNB' s 10-Year Dividend Payout Range
Min: 0.35   Max: 2.38
Current: 0.49

0.35
2.38
Yield on cost (5-Year) 4.10
ACNB's Yield on cost (5-Year) is ranked higher than
68% of the 1367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.63 vs. ACNB: 4.10 )
ACNB' s 10-Year Yield on cost (5-Year) Range
Min: 2.9   Max: 8.94
Current: 4.1

2.9
8.94
Share Buyback Rate -0.30
ACNB's Share Buyback Rate is ranked higher than
83% of the 1242 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. ACNB: -0.30 )
ACNB' s 10-Year Share Buyback Rate Range
Min: 2.1   Max: -3
Current: -0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
ACNB's Price/Tangible Book is ranked higher than
77% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. ACNB: 1.10 )
ACNB' s 10-Year Price/Tangible Book Range
Min: 0.66   Max: 2.08
Current: 1.1

0.66
2.08
Price/DCF (Projected) 0.50
ACNB's Price/DCF (Projected) is ranked higher than
88% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. ACNB: 0.50 )
ACNB' s 10-Year Price/DCF (Projected) Range
Min: 0.36   Max: 0.97
Current: 0.5

0.36
0.97
Price/Median PS Value 1.10
ACNB's Price/Median PS Value is ranked higher than
74% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 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/Peter Lynch Fair Value 1.90
ACNB's Price/Peter Lynch Fair Value is ranked higher than
86% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. ACNB: 1.90 )
ACNB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.64   Max: 2.63
Current: 1.9

0.64
2.63
Price/Graham Number 0.80
ACNB's Price/Graham Number is ranked higher than
83% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. ACNB: 0.80 )
ACNB' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 1.96
Current: 0.8

0.5
1.96
Earnings Yield (Greenblatt) 5.80
ACNB's Earnings Yield (Greenblatt) is ranked higher than
63% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. ACNB: 5.80 )
ACNB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.5   Max: 7.8
Current: 5.8

1.5
7.8
Forward Rate of Return (Yacktman) 13.37
ACNB's Forward Rate of Return (Yacktman) is ranked higher than
72% of the 1260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.98 vs. ACNB: 13.37 )
ACNB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -5.3   Max: 23.2
Current: 13.37

-5.3
23.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
ACNB Corporation, through its subsidiaries, offers traditional banking and related financial services to individual business and government customers. It accepts various deposit products, such as interest bearing demand, non-interest bearing demand, savings, and time deposits. The Company also provides commercial lending products, including commercial mortgages, real estate development and construction, accounts receivable and inventory financing, and agricultural loans; consumer lending programs, which comprise home equity loans and lines of credit, automobile and recreational vehicle loans, manufactured housing loans, and personal lines of credit; and mortgage lending programs, such as personal residential mortgages, residential construction loans, and investment mortgage loans. In addition, it offers trust services, such as investment, protection, management, and distribution of financial assets; estate settlement; and other services, including services under testamentary trusts, life insurance trusts, charitable remainder trusts, guardianships, and powers of attorney. Further, it operates as an insurance agency that provides various property and casualty, life, and health insurance to commercial and individual clients; and engages in the business of reinsuring credit life and credit accident, and disability risks. As of December 2012, It operated 19 retail banking offices in Adams, Cumberland, and York Counties, Pennsylvania, as well as 2 loan production offices in York and Franklin Counties, Pennsylvania. It derives revenues from the Net interest Income, a difference between interest income on earning assets and interest expense on liabilities used to fund those assets.
» 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 

More From Other Websites
ACNB CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements... Jul 31 2014
ACNB CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 24 2014
ACNB CORP Financials May 09 2014
ACNB CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders, Regulation FD... May 08 2014
ACNB CORP Files SEC form 10-Q, Quarterly Report May 02 2014
ACNB CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 01 2014
ACNB CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements... Apr 24 2014
ACNB CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 17 2014
ACNB CORP Files SEC form 10-K, Annual Report Mar 07 2014
ACNB Corporation Announces 2013 Earnings Mar 06 2014
ACNB CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements... Mar 06 2014
Julie D. Swanger Joins ACNB Bank Feb 24 2014
New Hope Ministries Thrives with Support from the Community and ACNB Bank Feb 07 2014
ACNB Corporation Declares First Quarter Cash Dividend Feb 03 2014
ACNB CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 03 2014
Donald C. McVay Joins ACNB Bank Jan 30 2014
Gary R. Holder Joins ACNB Bank Dec 23 2013
ACNB Bank Breaks Ground for New Chambersburg Office Dec 19 2013
Successful Food Drive For Big Spring Area Food Bank at ACNB Bank Nov 29 2013
Frank D. Norris, Jr. Joins ACNB Bank Nov 13 2013

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