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ACNB Corporation ACNB | NASDAQ

$62.30 -$0.51 | -0.81%
SIGNAL:Signal available — unlock to view |2026-09-29 |F&G 36 |RSI 38.5

Company Overview:

Market Cap: $633.64M
Trailing PE: 11.8x
FWD PE *: 11x
Payout Ratio (TTM): 37.9%
52-Week Range: $42.52 - $67.60

* Forward PE is based on street estimates.

10 Year ACNB Performance Metrics:

Total Return (with DRIP): 226.3% (12.55% CAGR)
Total Return (no DRIP): 180.6% (10.87% CAGR)
Share Price: 134.4% (8.89% CAGR)
Yield on Cost (with DRIP): 8.80%
Total Invested: $10,000
Total Value (with DRIP): $32,626
Total Return $ (with DRIP): $22,626
Dividend Increase: 110.0% (7.90% CAGR)
Dividend Yield (FWD): 2.70% ($1.68)
ACNB 10-yr Total Return ($10K invested)
1M 3M 6M YTD 1Y 3Y 5Y 10Y
ACNB Share Price
1M 3M 6M YTD 1Y 3Y 5Y 10Y All
ACNB Price CAGR:1Y: 41.46%2Y: 19.44%5Y: 17.35%10Y: 8.89%
ACNB Dividend Charts
ACNB - Dividends
ACNB Dividend CAGR:1Y: 23.53%2Y: 14.56%5Y: 10.93%10Y: 7.70%
ACNB - Dividend Payout Ratio
ACNB Dividend Payout Ratio CAGR:1Y: 100.95%2Y: 59.34%5Y: 17.23%10Y: 4.21%
ACNB - Dividend to Free Cash Flow Ratio
ACNB Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

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ACNB Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

ACNB - Revenue
ACNB Revenue CAGR:1Y: -14.80%2Y: 13.40%5Y: 11.79%10Y: 13.20%
ACNB - Earnings Per Share (EPS)
ACNB EPS CAGR:1Y: 34.23%2Y: 6.24%5Y: 8.74%10Y: 11.76%
ACNB - Net Income
ACNB Net Income CAGR:1Y: 30.61%2Y: 16.14%5Y: 12.33%10Y: 17.70%
ACNB - EBITDA
ACNB EBITDA CAGR:1Y: 15.37%2Y: 13.25%5Y: 10.55%10Y: 0.00%
ACNB - Free Cash Flow
ACNB Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
ACNB - Free Cash Flow / Share
ACNB Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
ACNB - Operating Income
ACNB Operating Income CAGR:1Y: 29.09%2Y: 16.23%5Y: 12.26%10Y: 14.41%
ACNB - Gross Profit
ACNB Gross Profit CAGR:1Y: 5.21%2Y: 17.60%5Y: 11.56%10Y: 13.08%
ACNB - Shares Outstanding
ACNB Shares Outstanding CAGR:1Y: -2.63%2Y: 9.35%5Y: 3.22%10Y: 5.38%
ACNB - Share Buybacks
ACNB Share Buybacks CAGR:1Y: 242.51%2Y: 593.13%5Y: 0.00%10Y: 0.00%
ACNB - Stock-Based Comp
ACNB Stock-Based Comp CAGR:1Y: 35.14%2Y: 24.41%5Y: 69.07%10Y: 0.00%
ACNB - Expenses
ACNB Expenses CAGR:1Y: 178.92%2Y: 34.09%5Y: 23.86%10Y: -5.66%
ACNB - Revenue by Segment
ACNB Revenue CAGR:1Y: -14.80%2Y: 13.40%5Y: 11.79%10Y: 13.20%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

ACNB - REVENUE: Actual + Estimates
ACNB Actual Revenue CAGR:1Y: -14.80%2Y: 13.40%5Y: 11.79%10Y: 13.20%
ACNB - EPS: Actual + Estimates
ACNB Actual EPS CAGR:1Y: 34.23%2Y: 6.24%5Y: 8.74%10Y: 11.76%
ACNB - NET INCOME: Actual + Estimates
ACNB Actual Net Income CAGR:1Y: 30.61%2Y: 16.14%5Y: 12.33%10Y: 17.70%
ACNB - EBITDA: Actual + Estimates
ACNB Actual EBITDA CAGR:1Y: 15.37%2Y: 13.25%5Y: 10.55%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

ACNB - Net Profit Margin
ACNB Net Profit Margin CAGR:1Y: 25.02%2Y: -7.50%5Y: -3.53%10Y: 1.88%
ACNB - Gross Profit Margin
ACNB Gross Profit Margin CAGR:1Y: 0.71%2Y: -6.35%5Y: -4.20%10Y: -2.12%
ACNB - Price to Earnings
ACNB Price to Earnings CAGR:1Y: 2.57%2Y: 20.51%5Y: 6.72%10Y: -2.49%
ACNB - Price To Sales Ratio
ACNB Price To Sales Ratio CAGR:1Y: 29.13%2Y: 11.61%5Y: 3.01%10Y: -0.63%
ACNB - Return on Capital Employed
ACNB Return on Capital Employed CAGR:1Y: -72.18%2Y: -51.02%5Y: 8.24%10Y: 3.42%
ACNB - Return on Invested Capital
ACNB Return on Invested Capital CAGR:1Y: -71.07%2Y: -49.84%5Y: -10.91%10Y: 4.75%

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ACNB Dividends Info:

Annual Dividend: $1.68
Forward Yield: 2.7%
Ex-Dividend Date: 2026-09-01
Lifetime Dividends / Share: $28.97

ACNB Dividend History: Dates, Payments & Yield list

Below is a schedule of all ACNB dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date Payment Date Amount Yield Forward Yield Price on Ex-Date
09/01/202609/15/2026$0.4202.63%2.57%$65.34
06/01/202606/15/2026$0.9206.95%6.52%$56.48
02/27/202603/13/2026$0.3803.02%3.27%$46.48
12/01/202512/15/2025$0.3803.17%2.89%$52.61
08/29/202509/15/2025$0.3403%3.04%$44.77
05/30/202506/13/2025$0.3403.27%3.31%$41.11
02/28/202503/14/2025$0.3203.12%3.1%$41.30
11/29/202412/13/2024$0.3202.73%2.8%$45.71
08/30/202409/13/2024$0.3203.05%3.03%$42.18
05/31/202406/14/2024$0.3204.05%4.12%$31.07
02/29/202403/15/2024$0.3003.41%3.37%$35.56
11/30/202312/15/2023$0.3003.07%2.52%$47.59
08/31/202309/15/2023$0.2803.52%3.37%$33.22
05/31/202306/15/2023$0.2803.8%3.36%$33.30
02/28/202303/15/2023$0.2803.02%3.5%$32.00
11/30/202212/15/2022$0.2802.85%2.97%$37.65
08/31/202209/15/2022$0.2602.92%3.16%$32.88
05/31/202206/15/2022$0.2603.01%3.11%$33.47
02/28/202203/15/2022$0.2603.23%3.19%$32.60
11/30/202112/15/2021$0.2603.58%3.54%$29.37
08/30/202109/15/2021$0.2503.48%3.61%$27.70
05/28/202106/15/2021$0.2703.75%3.82%$28.24
02/26/202103/15/2021$0.2503.62%3.1%$32.23
11/30/202012/15/2020$0.2504.01%3.67%$27.24
08/28/202009/15/2020$0.2504.48%4.64%$21.54
05/29/202006/15/2020$0.2504.03%3.93%$25.42
02/27/202003/13/2020$0.2503.1%4%$24.98
11/27/201912/13/2019$0.2502.82%2.76%$36.25
08/28/201909/13/2019$0.2502.99%2.8%$35.70
05/30/201906/14/2019$0.2502.73%2.75%$36.37
02/28/201903/15/2019$0.2302.34%2.5%$36.86
11/29/201812/14/2018$0.2302.51%2.54%$36.21
08/29/201809/14/2018$0.2302.58%2.34%$39.30
05/31/201806/15/2018$0.2302.92%2.91%$31.65
02/28/201803/15/2018$0.2002.86%2.72%$29.45
11/30/201712/15/2017$0.2002.76%2.78%$28.80
08/30/201709/15/2017$0.2003.08%2.96%$27.05
05/30/201706/15/2017$0.2002.84%2.74%$29.20
02/27/201703/15/2017$0.2002.74%2.61%$30.70
11/29/201612/15/2016$0.2002.54%2.51%$31.90
08/30/201609/15/2016$0.2003.01%2.95%$27.13
05/27/201606/15/2016$0.2003.24%3.33%$23.99
02/26/201603/15/2016$0.2003.58%3.63%$22.05
11/27/201512/15/2015$0.2003.62%3.73%$21.45
08/28/201509/15/2015$0.2004.03%3.95%$20.25
05/28/201506/15/2015$0.2003.95%3.88%$20.63
02/25/201503/13/2015$0.2003.95%3.9%$20.50
11/26/201412/15/2014$0.2003.89%3.69%$21.70
08/27/201409/15/2014$0.1903.97%3.96%$19.19
05/28/201406/13/2014$0.1903.92%3.9%$19.50
02/26/201403/14/2014$0.1904.06%4.2%$18.09
11/26/201312/13/2013$0.1904.3%4.15%$18.30
08/27/201309/13/2013$0.1904.35%4.44%$17.10
05/29/201306/14/2013$0.1904.52%4.61%$16.50
02/27/201303/15/2013$0.1904.54%4.51%$16.87
11/28/201212/14/2012$0.1904.74%4.72%$16.10
08/28/201209/14/2012$0.1905.07%5.07%$15.00
05/30/201206/15/2012$0.1905.24%5.24%$14.51
02/28/201203/15/2012$0.1905.15%5.26%$14.45
11/29/201112/15/2011$0.1905.5%5.57%$13.64
08/30/201109/15/2011$0.1905.42%5.19%$14.63
05/27/201106/15/2011$0.1904.98%4.96%$15.32
02/25/201103/15/2011$0.1904.75%4.96%$15.33
11/29/201012/15/2010$0.1904.9%5.24%$14.50
08/30/201009/15/2010$0.1905.31%5.51%$13.80
05/27/201006/15/2010$0.1905.43%5.33%$14.25
02/25/201003/15/2010$0.1905.87%5.8%$13.10
11/27/200912/15/2009$0.1906.03%5.85%$13.00
08/28/200909/15/2009$0.1905.63%5.66%$13.42
05/28/200906/15/2009$0.1906.79%6.5%$11.70
02/25/200903/13/2009$0.1907.64%8.44%$9.00
11/26/200812/15/2008$0.1906.08%6.06%$12.55
08/27/200809/15/2008$0.1904.81%4.98%$15.25
05/28/200806/13/2008$0.1904.9%4.89%$15.55
02/27/200803/14/2008$0.1905.15%5.24%$14.50
11/28/200712/14/2007$0.1904.52%4.76%$16.00
08/29/200709/14/2007$0.1904.68%4.71%$16.19
05/30/200706/15/2007$0.1904.35%4.41%$17.29
02/27/200703/15/2007$0.1904.13%4.29%$17.76
11/29/200612/15/2006$0.1904.05%3.97%$19.19
08/30/200609/15/2006$0.1904%4.05%$18.82
06/09/200606/15/2006$0.1904.2%4.2%$18.14
02/27/200603/15/2006$0.1904.1%4.24%$17.96
11/29/200512/15/2005$0.2545.57%5.67%$17.91
08/30/200509/15/2005$0.1903.76%3.65%$20.86
06/03/200506/15/2005$0.1903.5%3.61%$21.09
02/25/200503/15/2005$0.1903.32%3.29%$23.13
11/29/200412/15/2004$0.2454.18%4.18%$23.45
08/30/200409/15/2004$0.1903.37%3.33%$22.90
05/27/200406/15/2004$0.1903.2%3.23%$23.58
02/26/200403/15/2004$0.1903.13%3.08%$24.72
11/26/200312/15/2003$0.2363.99%3.89%$24.22
08/28/200309/15/2003$0.1903.31%3.33%$22.90
05/29/200306/13/2003$0.1903.49%3.36%$22.68
02/27/200303/17/2003$0.1903.65%3.64%$20.95
11/29/200212/16/2002$0.2545.37%5.33%$19.05
08/29/200209/13/2002$0.1814%4%$18.14
05/29/200206/14/2002$0.1813.81%3.69%$19.68
02/28/200203/15/2002$0.1814.47%4.44%$16.33
01/02/200201/09/2002$0.1814.31%4.31%$16.83
11/28/200112/14/2001$0.2546.14%6.15%$16.51
08/29/200109/14/2001$0.1814.44%4.46%$16.28
05/30/200106/15/2001$0.1814.79%4.64%$15.65
02/27/200103/15/2001$0.1814.96%4.96%$14.63
11/29/200012/15/2000$0.0631.81%1.75%$14.51
08/30/200009/15/2000$0.1814.44%4.44%$16.33
05/30/200006/15/2000$0.1814.64%4.52%$16.04
02/28/200003/15/2000$0.1814.41%4.44%$16.33
12/01/199912/15/1999$0.0451.13%1.11%$16.33
09/01/199909/15/1999$0.1814.32%4.74%$15.31
06/02/199906/15/1999$0.1813.95%4.38%$16.55
02/25/199903/15/1999$0.1813.62%3.7%$19.61
12/01/199812/15/1998$0.0450.87%0.83%$21.77
09/01/199809/15/1998$0.1812.88%3.2%$22.68
06/01/199806/15/1998$0.1722.9%2.76%$24.94
02/26/199803/13/1998$0.1722.87%2.9%$23.81
12/01/199712/15/1997$0.1723.25%3.27%$21.09
08/29/199709/15/1997$0.1723.58%3.54%$19.50
05/30/199706/13/1997$0.1634.06%3.76%$17.35
02/27/199703/14/1997$0.1634.17%4.17%$15.65
11/29/199612/16/1996$0.1634.5%4.43%$14.74
08/29/199609/13/1996$0.1634.43%4.43%$14.74
05/30/199606/15/1996$0.1544.12%4.09%$15.07
02/28/199603/15/1996$0.1544%4.12%$14.97
01/02/199601/15/1996$0.90721.92%21.92%$16.55
11/29/199512/15/1995$0.1543.78%3.53%$17.46
08/30/199509/15/1995$0.1544.25%4.06%$15.19
05/25/199506/15/1995$0.1453.12%3.16%$18.37
02/23/199503/15/1995$0.1454.27%4.27%$13.61
11/28/199412/15/1994$0.1815%4.89%$14.85
08/31/199409/15/1994$0.1362.67%2.76%$19.73
05/27/199406/15/1994$0.1322.45%2.42%$21.77

Projected Future Returns & Dividends for ACNB

Based on past 10-year performance, here are ACNB growth metrics:

Share price CAGR of +8.89%
Dividend CAGR of +7.7%

Using ACNB CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

ACNB (DRIP)ACNB - No DRIP
Current Price$62.30$62.30
Start Shares160.51160.51
Start Value$10,000$10,000
  
After 10 years:
Final Share Count207.34160.51
Dividends Payment$0.88$0.88
Annual Dividends$732$566
Yield on cost7.32%5.66%
Share Price$146.02$146.02
Total Dividends$4,454$3,852
Final Value$30,276$27,290

Estimated Future Value + Dividends - ACNB

NOTE: Above numbers are our estimate based on ACNB's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

ACNB Corporation (ACNB) had its IPO on 1994-04-04, and is traded on NASDAQ stock exchange.

ACNB Corporation operates as a financial holding company, offering a comprehensive suite of banking, insurance, and financial services to a diverse clientele including individuals, businesses, and government entities across the United States. Its banking segment provides a range of deposit products such as checking, savings, money market, and time accounts, along with debit cards. The company is also a significant lender, furnishing commercial products like mortgages, real estate development and construction financing, accounts receivable and inventory loans, and agricultural and governmental funding. For individual consumers, it supplies home equity loans and lines of credit, automotive and recreational vehicle loans, manufactured housing loans, and personal lines of credit. Mortgage programs encompass personal residential, construction, and investment properties. Beyond traditional banking, ACNB delivers extensive wealth management and trust services, acting as a trustee to oversee, manage, and distribute financial assets for testamentary, life insurance, and charitable remainder trusts, as well as guardianships, powers of attorney, custodial accounts, and investment advisory and management services. Retail brokerage is also available. Additionally, the corporation offers various insurance products, including property and casualty, health, life, and disability coverage for both commercial and individual clients. Customers benefit from convenient access through online, telephone, and mobile banking, alongside automated teller machine services. Established in 1857 and based in Gettysburg, Pennsylvania, ACNB's physical network as of December 31, 2021, comprised 19 community banking branches across Adams, York, Cumberland, and Franklin counties in Pennsylvania; five community banking offices in Frederick County, Maryland; and six in Carroll County, Maryland. Loan offices further extend its reach in Lancaster and York, Pennsylvania, and Hunt Valley, Maryland.

ACNB website: https://www.acnb.com


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Loading signals…

DCF Model — ACNB

Value from:
Pay up to today
—
vs current price $62.30
—
Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
YearFCFImplied price
Sensitivity — fair value: growth ↓ × target return →