Stocktoria

ACNB CORP ACNB

Nasdaq · stock · State Commercial Banks · website · IPO 1993-10-27

ACNB CORP statistics & valuation

Market cap$617.0M
P / E16.7×
P / S3.2×
P / B1.5×
P / FCF11.7×
Dividend yield2.33%
Net margin19.3%
Return on equity8.8%
FCF margin27.4%
Net debt$189.7M
Enterprise value USD$806.7M
Graham number -11.2%$57.27

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($57.27); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
32.80% 27.50% 24.10% 19.30% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
9.10% 6.40% 12.90% 12.50% 7.10% 10.20% 14.60% 11.40% 10.50% 8.80% 2016201720182019202020212022202320242025
Shares outstanding
6.1M 7.0M 7.0M 7.1M 8.7M 8.7M 8.6M 8.5M 8.6M 10.4M 2016201720182019202020212022202320242025
Net debt ($)
$55.3M $60.2M $42.6M -$48.1M -$345.6M -$675.4M -$147.2M $129.3M $208.1M $189.7M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.90% 0.60% 1.30% 1.40% 0.70% 1.00% 1.40% 1.30% 1.30% 1.10% 2016201720182019202020212022202320242025
Free cash flow margin (%)
34.30% 34.30% 29.40% 27.40% 2016201720182019202020212022202320242025
Debt / equity (×)
0.62× 0.61× 0.50× 0.35× 0.21× 0.13× 0.09× 0.70× 0.84× 0.61× 2016201720182019202020212022202320242025
EPS ($)
$4.15 $3.71 $3.73 $3.60 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

ACNB CORP trades at about 17.9× earnings — above its 10-year norm (10-year range 9.5×–14×, median 11×).

9.5× 17.9×

Shaded band = 10-year range (9.5×–14×); dot = today's 17.9×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin19.3%24.1%27.5%32.8%——————
FCF margin27.4%29.4%34.3%34.3%——————
Return on assets1.1%1.3%1.3%1.4%1.0%0.7%1.4%1.3%0.6%0.9%
Return on equity8.8%10.5%11.4%14.6%10.2%7.1%12.5%12.9%6.4%9.1%
Debt / equity0.61×0.84×0.70×0.09×0.13×0.21×0.35×0.50×0.61×0.62×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.