NAS:ACNB (USA)

ACNB Corp

$ 37.56 0.12 (0.32%)
Volume: 1,705 Avg Vol (1m): 8,274
Market Cap $: 264.79 Mil Enterprise Value $: 118.70 Mil
P/E (TTM): 11.69 P/B: 1.55
Earnings Power Value 18.37
Net Current Asset Value 0
Tangible Book 21.27
Projected FCF 41.24
Median P/S Value 26.3
Graham Number 39.26
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 4.2/10

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.
Current vs industry vs history
Cash-to-Debt 0.78
Cash-To-Debt range over the past 10 years
Min: 0.08, Med: 0.26, Max: 10000
Current: 0.78
0.08
10000
Equity-to-Asset 0.10
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
Debt-to-Equity 0.46
Debt-to-Equity range over the past 10 years
Min: 0.01, Med: 1.21, Max: 2.86
Current: 0.46
0.01
2.86
Debt-to-EBITDA 1.07
Debt-to-EBITDA range over the past 10 years
Min: 0, Med: 0, Max: 1.07
Current: 1.07
0
1.07
Beneish M-Score -2.29
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 2.03%

Profitability & Growth : 4/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 30.52
Net Margin range over the past 10 years
Min: 16.18, Med: 19.9, Max: 30.52
Current: 30.52
16.18
30.52
ROE % 13.78
ROE range over the past 10 years
Min: 7.14, Med: 9.1, Max: 13.78
Current: 13.78
7.14
13.78
ROA % 1.38
ROA range over the past 10 years
Min: 0.7, Med: 0.88, Max: 1.38
Current: 1.38
0.7
1.38
3-Year Total Revenue Growth Rate 15.00
3-Year Revenue Growth Rate range over the past 10 years
Min: -0.9, Med: 6.65, Max: 125
Current: 9.2
-0.9
125
3-Year EPS w/o NRI Growth Rate 19.10
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: -12.1, Med: 3.05, Max: 19.1
Current: 19.1
-12.1
19.1

» ACNB's 30-Y Financials

Financials (Next Earnings Date: 2019-07-23)

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Business Description

Industry Banks » Banks    NAICS : 522110    SIC : 6022
Compare NAS:PCB NAS:PVBC NAS:FRBK NAS:HBMD NAS:CSTR NAS:FVCB NAS:RBNC NAS:FNLC NAS:CVCY NAS:MFSF NAS:SFST NAS:BCML NAS:SPFI OTCPK:ALRS NAS:PDLB NAS:PKBK OTCPK:FFMR OTCPK:WBHC NAS:SMBK NAS:FDBC
Traded in other countries
Address 16 Lincoln Square, Gettysburg, PA, USA, 17325
ACNB Corp provides banking, insurance, and financial services to businesses, and consumers through its wholly-owned subsidiaries, ACNB Bank and Russell Insurance Group Inc (RIG). The corporation has two reporting segments, the Bank and RIG. RIG is managed separately from the Banking segment, which includes the Bank and related financial services that the corporation offers through its banking subsidiary. RIG offers a broad range of property and casualty, life and health insurance to both commercial and individual clients. The corporation's primary source of revenue is interest income on loans and investment securities and fee income on its products and services.

Ratios

Current vs industry vs history
PE Ratio (TTM) 11.69
PE Ratio range over the past 10 years
Min: 7.61, Med: 11.61, Max: 20.19
Current: 11.69
7.61
20.19
PE Ratio without NRI 11.69
PE without NRI range over the past 10 years
Min: 7.61, Med: 11.61, Max: 20.19
Current: 11.69
7.61
20.19
Price-to-Owner-Earnings 10.28
Price-to-Owner-Earnings range over the past 10 years
Min: 2.15, Med: 11.51, Max: 34.56
Current: 10.28
2.15
34.56
PB Ratio 1.55
PB Ratio range over the past 10 years
Min: 0.59, Med: 1.04, Max: 1.69
Current: 1.55
0.59
1.69
PS Ratio 3.48
PS Ratio range over the past 10 years
Min: 1.29, Med: 2.49, Max: 3.94
Current: 3.48
1.29
3.94
Price-to-Free-Cash-Flow 9.73
Price-to-Free-Cash-Flow range over the past 10 years
Min: 4.89, Med: 9.85, Max: 22.51
Current: 9.73
4.89
22.51
Price-to-Operating-Cash-Flow 9.18
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 4.37, Med: 9, Max: 17.22
Current: 9.18
4.37
17.22
EV-to-Revenue 1.52
EV-to-Revenue range over the past 10 years
Min: 1.3, Med: 4.2, Max: 6.5
Current: 1.52
1.3
6.5
Shiller PE Ratio 19.87
Shiller PE Ratio range over the past 10 years
Min: 1.41, Med: 12.36, Max: 22.21
Current: 19.87
1.41
22.21

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 2.50
Trailing Dividend Yield range over the past 10 years
Min: 2.19, Med: 4.11, Max: 8.94
Current: 2.5
2.19
8.94
Dividend Payout Ratio 0.29
Dividend Payout Ratio range over the past 10 years
Min: 0.29, Med: 0.5, Max: 0.62
Current: 0.29
0.29
0.62
3-Year Dividend Growth Rate (Per Share) 3.60
3-Year Dividend Growth Rate range over the past 10 years
Min: -14.4, Med: 0.7, Max: 7.3
Current: 3.6
-14.4
7.3
Forward Dividend Yield % 2.67
N/A
Yield-on-Cost (5-Year) % 2.84
Yield-on-Cost (5y) range over the past 10 years
Min: 2.49, Med: 4.67, Max: 10.16
Current: 2.84
2.49
10.16
3-Year Share Buyback Rate -5.30
3-Year Share Buyback Rate range over the past 10 years
Min: -5.3, Med: 0, Max: 2.2
Current: -5.3
-5.3
2.2

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.77
Price-to-Tangible-Book range over the past 10 years
Min: 0.66, Med: 1.45, Max: 2.33
Current: 1.77
0.66
2.33
Price-to-Projected-FCF 0.91
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.41, Med: 0.67, Max: 1.7
Current: 0.91
0.41
1.7
Price-to-Median-PS-Value 1.43
Price-to-Median-PS-Value range over the past 10 years
Min: 0.57, Med: 1.28, Max: 6.39
Current: 1.43
0.57
6.39
Price-to-Graham-Number 0.96
Price-to-Graham-Number range over the past 10 years
Min: 0.23, Med: 0.84, Max: 1.17
Current: 0.96
0.23
1.17

More Statistics

Revenue (TTM) (Mil) $ 74.37
EPS (TTM) $ 3.22
Beta -0.03
Volatility % 24.5
52-Week Range $ 33.25 - 41.45
Shares Outstanding (Mil) 7.05

Analyst Estimate

Piotroski F-Score Details