ACNB CORP (ACNB) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does ACNB CORP Do?
ACNB Corporation, a financial holding company, provides banking, insurance, and financial services to individual, business, and government customers in the United States. The company offers checking, savings, and money market deposit accounts, as well as time deposits and debit cards. It also provides commercial lending products, such as commercial mortgages, real estate development and construction loans, accounts receivable and inventory financing, and agricultural and governmental loans; consumer lending products, including home equity loans and lines of credit, automobile and recreational vehicle loans, manufactured housing loans, and personal lines of credit; and mortgage lending programs include personal residential mortgages, and residential construction and investment mortgage loans. In addition, the company provides other services that are related to testamentary trusts, life insurance trusts, charitable remainder trusts, guardianships, powers of attorney, custodial accounts, and investment management and advisory accounts; and retail brokerage services. Further, it acts as a trustee to invest in, protect, manage, and distribute financial assets. Additionally, the company offers property and casualty, health, life, and disability insurance products to commercial and individual clients; and online, telephone, and mobile banking, as well as automated teller machine services. As of December 31, 2021, it operated through a network of 19 community banking offices located in Pennsylvania, including 12 offices in Adams county, five offices in York county, one office in Cumberland County, and one office in Franklin County; five community banking offices located in Frederick County; six community banking offices located in Carroll county, Maryland; and loan offices located in Lancaster and York, Pennsylvania, and Hunt Valley, Maryland. The company was founded in 1857 and is headquartered in Gettysburg, Pennsylvania. ACNB CORP (ACNB) is classified as a small-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO James P. Helt and employs approximately 400 people, headquartered in GETTYSBURG, Pennsylvania. With a market capitalization of $497M, ACNB is one of the notable companies in the Financials sector.
ACNB CORP (ACNB) Stock Rating — Hold (April 2026)
As of April 2026, ACNB CORP receives a Hold rating with a composite score of 52.0/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.ACNB ranks #1,092 out of 4,446 stocks in our coverage universe. Within the Financials sector, ACNB CORP ranks #337 of 891 stocks, placing it in the upper half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
ACNB Stock Price and 52-Week Range
ACNB CORP (ACNB) currently trades at $51.22. The stock lost $0.64 (1.2%) in the most recent trading session. The 52-week high for ACNB is $53.89, which means the stock is currently trading -5.0% from its annual peak. The 52-week low is $35.70, putting the stock 43.5% above its annual trough. Recent trading volume was 43K shares, suggesting relatively thin trading activity.
Is ACNB Overvalued or Undervalued? — Valuation Analysis
ACNB CORP (ACNB) carries a value factor score of 65/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 15.39x, compared to the Financials sector average of 14.88x — a premium of 3%. The price-to-book ratio stands at 1.23x, versus the sector average of 1.22x. The price-to-sales ratio is 3.00x, compared to 0.90x for the average Financials stock. On an enterprise value basis, ACNB trades at 18.04x EV/EBITDA, versus 3.26x for the sector.
Overall, ACNB's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.
ACNB CORP Profitability — ROE, Margins, and Quality Score
ACNB CORP (ACNB) earns a quality factor score of 54/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 8.0%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 1.0% versus the sector average of 1.2%.
On a margin basis, ACNB CORP reports gross margins of 0.0%. The operating margin is 25.0% (sector: 21.8%). Net profit margin stands at 19.6%, versus 17.7% for the average Financials stock. Revenue growth is running at 89.4% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.
ACNB Debt, Balance Sheet, and Financial Health
ACNB CORP has a debt-to-equity ratio of 61.0%, compared to the Financials sector average of 121.0%. Leverage is within a manageable range for the industry, though investors should monitor debt trends over time. The current ratio is 1.15x, suggesting adequate working capital coverage. Total debt on the balance sheet is $255M. Cash and equivalents stand at $31M.
ACNB has a beta of 0.52, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for ACNB CORP is 87/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.
ACNB CORP Revenue and Earnings History — Quarterly Trend
In TTM 2026, ACNB CORP reported revenue of $172M and earnings per share (EPS) of $3.61. Net income for the quarter was $33M. Gross margin was 0.0%. Operating income came in at $43M.
In FY 2025, ACNB CORP reported revenue of $192M and earnings per share (EPS) of $3.61. Net income for the quarter was $37M. Revenue grew 45.1% year-over-year compared to FY 2024. Operating income came in at $46M.
In Q3 2025, ACNB CORP reported revenue of $51M and earnings per share (EPS) of $1.43. Net income for the quarter was $15M. Revenue grew 86.9% year-over-year compared to Q3 2024. Operating income came in at $19M.
In Q2 2025, ACNB CORP reported revenue of $50M and earnings per share (EPS) of $1.11. Net income for the quarter was $12M. Revenue grew 87.0% year-over-year compared to Q2 2024. Operating income came in at $15M.
Over the past 8 quarters, ACNB CORP has demonstrated a growth trajectory, with revenue expanding from $27M to $172M. Investors analyzing ACNB stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
ACNB Dividend Yield and Income Analysis
ACNB CORP (ACNB) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.
ACNB Momentum and Technical Analysis Profile
ACNB CORP (ACNB) has a momentum factor score of 52/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 21/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 23/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.
ACNB vs Competitors — Financials Sector Ranking and Peer Comparison
Within the Financials sector, ACNB CORP (ACNB) ranks #337 out of 891 stocks based on the Blank Capital composite score. This places ACNB in the upper half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.
Comparing ACNB against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full ACNB vs S&P 500 (SPY) comparison to assess how ACNB CORP stacks up against the broader market across all factor dimensions.
ACNB Next Earnings Date
No upcoming earnings date has been announced for ACNB CORP (ACNB) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy ACNB? — Investment Thesis Summary
ACNB CORP presents a balanced picture with arguments on both sides. The value score of 65/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 87/100) reduces downside risk.
In summary, ACNB CORP (ACNB) earns a Hold rating with a composite score of 52.0/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on ACNB stock.
Related Resources for ACNB Investors
Explore more research and tools: ACNB vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare ACNB head-to-head with peers: ACNB vs WTM, ACNB vs OPY, ACNB vs ACT.