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ACNBACNB -0.68%64 EV-to-FCF is 9.93 as of Jul. 15, 2026, which is 7% below its 10-year median of 10.64. GuruFocus rates ACNB with a GF Score™ of 64/100 and a GF Value™ of $50.24 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,196 Banks companies, ACNB ranks worse than 61.12% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, ACNB's Enterprise Value is $780.0 Mil.
ACNB's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $78.6 Mil. Therefore, ACNB's EV-to-FCF for today is 9.93.
The historical rank and industry rank for ACNB's EV-to-FCF or its related term are showing as below:
ACNB'
s EV-to-FCF Range Over the Past 10 Years
Min: -10.88 Med: 10.64 Max: 27.22
Current: 9.93
During the past 13 years, the highest EV-to-FCF of ACNB was 27.22. The lowest was -10.88. And the median was 10.64.
ACNB's EV-to-FCF is ranked worse than 61.12% of 1196
companies
in the Banks industry
Industry Median: 6.575
vs ACNB: 9.93
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
As of today (2026-07-15), ACNB's stock price is $59.63.
ACNB's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $4.890. Therefore, ACNB's PE Ratio (TTM) for today is 12.19.
ACNB (NAS:ACNB) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
ACNB's share price for today is $59.63.
ACNB's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.890.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
ACNB EV-to-FCF Related Terms
ACNB EV-to-FCF Historical Data
* Premium members only.
The historical data trend for ACNB's EV-to-FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, ACNB's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
ACNB EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, ACNB's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where ACNB's EV-to-FCF falls into.
ACNB's current Enterprise Value is $780.0 Mil.
ACNB's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $78.6 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
ACNB (ACNB) has a EV-to-FCF of 9.93 as of Jul. 15, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on ACNB and its competitors. This is near median its historical median of 10.64. According to the industry distribution chart, ACNB ranks #731 out of 1196 companies in the Banks industry, placing it in the top 61.1%.
Is ACNB's EV-to-FCF too high?
ACNB's current EV-to-FCF of 9.93 is near median its 10-year median of 10.64. The Banks industry median EV-to-FCF is 6.58. ACNB's value of 9.93 is 51% above this industry median. Based on the distribution chart, ACNB ranks #731 out of 1196 companies in the Banks industry, which is below the industry midpoint. Overall, ACNB has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does ACNB's EV-to-FCF compare to NRIM and RCBC?
According to the Banks industry distribution chart, ACNB ranks #731 out of 1196 companies for EV-to-FCF. This places ACNB in the lower half of its industry. The industry median EV-to-FCF is 6.58. ACNB's value of 9.93 is 51% above this benchmark. While the company's 10-year median is 10.64 vs. the industry median of 6.58, ACNB has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.58, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ACNB's current EV-to-FCF of 9.93 is 51% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on ACNB and its competitors. For the Banks industry, the median EV-to-FCF is 6.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ACNB's current EV-to-FCF is 9.93, which is near median its own 10-year median of 10.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ACNB stock overvalued right now?
Based on GuruFocus' analysis, ACNB (ACNB) is currently considered Modestly Overvalued. The stock's GF Value™ is $50.24, compared to a current price of $59.63 — trading 18.7% above its estimated fair value. The current EV-to-FCF is 9.93, which is near median its 10-year median of 10.64 and 51% above the Banks industry median of 6.58. ACNB's overall GF Score™ is 64/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For ACNB (ACNB), the current EV-to-FCF is 9.93 as of Jul. 15, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is ACNB (ACNB) Overvalued in 2026?
Based on GuruFocus' analysis, ACNB stock appears to be overvalued.
The current stock price of $59.63 is trading 18.7% above its estimated GF Value™ of $50.24.
GuruFocus considers ACNB to be Modestly Overvalued.
Key valuation signals for ACNB:
EV-to-FCF: 9.93 (near median its 10-year median of 10.64)
GF Value™: $50.24 vs. price of $59.63 (18.7% above fair value)
Industry Position: 51% above the Banks median (#731 of 1196)
No single metric tells the full story. See the ACNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ACNB Corp is the financial holding company. Through its wholly-owned subsidiaries, it provides a full range of retail and commercial financial services in Pennsylvania and Maryland through its network of community banking offices. It also provides property, casualty, health, life and disability insurance serving personal and commercial clients through offices in Westminster, Maryland, and Gettysburg, Pennsylvania and is licensed to do business. The corporation has two reporting segments; the Banking segment which generates the majority of the revenue from banking and wealth management services, including trust and retail brokerage; and ACNB Insurance Services segment which offers a broad range of property and casualty, life and health insurance to both commercial and individual clients.
64GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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