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ACNB CORP ACNB
ACNB CORP (ACNB) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 2.33% (safety: safe). FY2025 revenue was $191.8M at a 19.3% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| ACNB | ACNB CORP | 5/9 | — | 16.7 | +45.1% |
| COLB | COLUMBIA BANKING SYSTEM, INC. | 3/9 | — | 16.9 | +18.8% |
| COFS | CHOICEONE FINANCIAL SERVICES INC | 4/9 | — | 17.5 | +63.6% |
| WASH | WASHINGTON TRUST BANCORP INC | 5/9 | — | 12.8 | +127.6% |
| CFFI | C & F FINANCIAL CORP | 5/9 | — | 10.5 | +10.6% |
| WAL | WESTERN ALLIANCE BANCORPORATION | 4/9 | — | 9.2 | +99.7% |
| MNSB | MainStreet Bancshares, Inc. | 4/9 | — | 11.4 | -1.6% |
All Finance, Insurance & Real Estate companies →
About ACNB CORP
ACNB Corporation, a financial holding company, offers 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 that include personal residential mortgages, residential construction loans, and investment mortgage loans. In addition, the company offers other services that are related to testamentary trusts, life insurance trusts, charitable, guardianships, powers of attorney, custodial accounts, investment management and advisory accounts, wealth management, and retail brokerage and services. Further, the company offers property and casualty, health, life, and disability insurance products to commercial and personal clients; online, telephone, and mobile banking; as well as automated teller machine services. ACNB Corporation was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.
FAQ
Is ACNB financially healthy?
ACNB CORP's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does ACNB pay a dividend, and is it safe?
Yes. ACNB CORP pays a dividend yielding about 2.33% with a 38.8% payout ratio, rated “safe” for safety.
How profitable is ACNB?
In FY2025, ACNB CORP had a net margin of 19.3% and a return on equity of 8.8%.
Is ACNB overvalued or undervalued?
ACNB CORP trades at about 17.9× trailing earnings — above its 10-year norm (10-year range 9.5×–14.0×, median 11.0×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for ACNB?
The average Wall-Street price target for ACNB CORP is $59.67, about 7.5% below the recent price, from 3 analysts (consensus: buy).
Is ACNB a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on ACNB CORP: a Piotroski F-score of 5/9, a P/E of about 16.7×, a dividend yield of 2.33%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.