ACNBACNB +0.24%65 FCF Margin % is 58.81% as of Mar. 2026, which is 67% above its 10-year median of 35.16. GuruFocus rates ACNB with a GF Score™ of 65/100 and a GF Value™ of $50.00 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,505 Banks companies, ACNB ranks better than 74.88% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. ACNB's Free Cash Flow for the
three
months ended in Mar. 2026 was $24.0 Mil. ACNB's Revenue for the
three
months ended in Mar. 2026 was $40.8 Mil. Therefore, ACNB's FCF Margin % for the quarter that ended in Mar. 2026 was 58.81%.
The historical rank and industry rank for ACNB's FCF Margin % or its related term are showing as below:
ACNB'
s FCF Margin % Range Over the Past 10 Years
Min: 19.82 Med: 35.16 Max: 49.66
Current: 49.66
During the past 13 years, the highest FCF Margin % of ACNB was 49.66%. The lowest was 19.82%. And the median was 35.16%.
ACNB's FCF Margin % is ranked better than 74.88% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs ACNB: 49.66
ACNB FCF Margin % Related Terms
ACNB FCF Margin % Historical Data
* Premium members only.
The historical data trend for ACNB's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, ACNB's FCF Margin % distribution charts can be found below:
* The bar in red indicates where ACNB's FCF Margin % falls into.
* 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 FCF Margin % of 58.81% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on ACNB and its competitors. This is 67% above median its historical median of 35.16. Over the past decade, ACNB's FCF Margin % has ranged from 19.82 to 49.66. According to the industry distribution chart, ACNB ranks #378 out of 1505 companies in the Banks industry, placing it in the top 25.1%.
Is ACNB's FCF Margin % too high?
ACNB's current FCF Margin % of 58.81% is 67% above median its 10-year median of 35.16. Over the past 10 years, this metric has ranged from a low of 19.82 to a high of 49.66. The Banks industry median FCF Margin % is 26.42. ACNB's value of 58.81% is 122.6% above this industry median. Based on the distribution chart, ACNB ranks #378 out of 1505 companies in the Banks industry, which is above the industry midpoint. Overall, ACNB has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does ACNB's FCF Margin % compare to NRIM and UNTY?
According to the Banks industry distribution chart, ACNB ranks #378 out of 1505 companies for FCF Margin %. This puts ACNB in the upper half of its industry. The industry median FCF Margin % is 26.42. ACNB's value of 58.81% is 122.6% above this benchmark. Historically, ACNB's own FCF Margin % has ranged from 19.82 to 49.66 over the past decade. While the company's 10-year median is 35.16 vs. the industry median of 26.42, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ACNB's current FCF Margin % of 58.81% is 122.6% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on ACNB and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ACNB's current FCF Margin % is 58.81%, which is 67% above median its own 10-year median of 35.16. 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 $50.00, compared to a current price of $58.43 — trading 16.9% above its estimated fair value. The current FCF Margin % is 58.81%, which is 67% above median its 10-year median of 35.16 and 122.6% above the Banks industry median of 26.42. ACNB's overall GF Score™ is 65/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For ACNB (ACNB), the current FCF Margin % is 58.81% as of Mar. 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 $58.43 is trading 16.9% above its estimated GF Value™ of $50.00.
GuruFocus considers ACNB to be Modestly Overvalued.
Key valuation signals for ACNB:
FCF Margin %: 58.81% (67% above median its 10-year median of 35.16)
GF Value™: $50.00 vs. price of $58.43 (16.9% above fair value)
Industry Position: 122.6% above the Banks median (#378 of 1505)
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.
65GF Score
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