Stocks · Financial Services · Banks - Regional
ACNB Corporation ACNB
$63.78 +1.42% Close, Oct 2, 2026 · NASDAQ · Market cap $651.3M
Strong trend
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $5.27, up 95.7% year over year.
- Operating margin widened to 34.3% from 19.9% a year earlier.
- Net debt is 4.1× EBITDA, a high level of leverage.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 18%
- EPS growth (TTM, YoY)Top 13%
- FCF growth (TTM, YoY)Top 30%
- Revenue growth, 3-year CAGRTop 44%
- Revenue growth accelerationBottom 14%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 46%
- Gross marginTop 15%
- Operating marginTop 22%
- Cash conversion (OCF / net income)Bottom 41%
- Accruals (lower is better)Bottom 38%
- Net debt / EBITDA (lower is better)Bottom 30%
- Interest coverTop 33%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 34%
- Free-cash-flow yieldTop 47%
- EBITDA / enterprise valueTop 42%
- Sales / enterprise valueBottom 26%
- P/E vs own 5-year history (lower is better)Bottom 36%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 7%
- 6-month returnTop 9%
- 1-year return vs S&P 500Top 8%
- Distance from 52-week highTop 28%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 28%
- Consecutive EPS beatsTop 29%
- Upside to consensus price targetBottom 7%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 41%
- Maximum drawdown, 3 yearsBottom 33%
- Beta vs S&P 500 (lower is better)Top 47%
- Net debt / EBITDA (lower is better)Bottom 30%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 37.3% | 24.2% | ↓ |
| EPS growth (YoY) | 68.5% | 95.7% | ↑ |
| Gross margin | 76.6% | 80.0% | ↑ |
| Operating margin | 19.9% | 34.3% | ↑ |
| FCF margin | 22.3% | 27.0% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 24.2% | 37.3% | ↓ | Top 18% |
| EPS growth (TTM, YoY) | 95.7% | 68.5% | ↑ | Top 13% |
| Gross margin | 80.0% | 76.6% | ↑ | Top 15% |
| Operating margin | 34.3% | 19.9% | ↑ | Top 22% |
| Net margin | 27.3% | 15.6% | ↑ | — |
| Free-cash-flow margin | 27.0% | 22.3% | ↑ | — |
| Return on invested capital | 1.6% | — | Top 46% | |
| Revenue growth, 3-year CAGR | 16.3% | — | Top 44% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.04×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.9%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 4.09×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.18%
- Net buyback yield (TTM)
- 2.60%
- Shareholder yield
- 5.78%
- Share count change, 1 year
- -2.6%
- Share count change, 3-year CAGR
- +6.2%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 4
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- +9.6%
- Average 2-day reaction, last 8
- +1.0%
- Positive 20 days after report
- 8 of 8
Analysts
- Consensus price target
- $61.00
- Target vs current price
- -4.4%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +8.0% | +3.8% | +5.0% | +4.5% | — |
| Apr 23, 2026 | +4.8% | +1.5% | +1.8% | +8.9% | +22.0% |
| Jan 22, 2026 | +7.1% | +0.3% | -4.4% | +1.7% | +2.0% |
| Oct 23, 2025 | +18.3% | +3.1% | -0.7% | +4.1% | +10.1% |
| Jul 24, 2025 | -2.6% | -0.8% | -1.3% | +3.9% | -0.1% |
| Apr 24, 2025 | +9.6% | -0.9% | +0.6% | +3.2% | +4.1% |
| Jan 23, 2025 | -7.2% | +2.1% | +9.1% | +6.0% | +5.4% |
| Oct 24, 2024 | -8.7% | -1.4% | -3.4% | +8.5% | -11.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $1.49 | $1.38 | +8.0% | $42.8M |
| Apr 23, 2026 | $1.32 | $1.26 | +4.8% | $40.4M |
| Jan 22, 2026 | $1.35 | $1.26 | +7.1% | $40.7M |
| Oct 23, 2025 | $1.42 | $1.20 | +18.3% | $50.9M |
| Jul 24, 2025 | $1.11 | $1.14 | -2.6% | $50.3M |
| Apr 24, 2025 | $1.03 | $0.94 | +9.6% | $43.5M |
| Jan 23, 2025 | $0.77 | $0.83 | -7.2% | $26.9M |
| Oct 24, 2024 | $0.84 | $0.92 | -8.7% | $27.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.1× | 10.6× | 71th | Top 34% |
| P/E (forward) | 11.3× | — | — | — |
| EV / EBITDA | 13.0× | — | — | Top 42% |
| EV / Sales | 4.75× | — | — | Bottom 26% |
| Free-cash-flow yield | 8.29% | — | — | Top 47% |
| Earnings yield | 8.26% | — | — | Top 34% |
P/E over the past five years
Range 6.3× – 15.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +46.6%
- Earnings per share growth (TTM)
- +95.7%
- Change in P/E multiple
- -20.7%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 135
- 50-day average slope (20 days)
- +2.5%
- 200-day average slope (20 days)
- +2.8%
- Distance from 50-day average
- -0.8%
- Distance from 200-day average
- +15.4%
- RSI (14)
- 49.8
- Relative volume
- 0.67×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 19.0%
- Volatility vs own 5-year history
- 13th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.67
- Correlation with S&P 500
- 0.41
- Current drawdown from 1-year high
- -3.3%
- Maximum drawdown, 3 years
- -35.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 15, 2023 | Jun 4, 2024 | -35.8% | 116 days | 108 days (Nov 6, 2024) |
| Dec 21, 2022 | May 4, 2023 | -33.4% | 91 days | 147 days (Dec 4, 2023) |
| Nov 6, 2024 | Jan 10, 2025 | -27.7% | 43 days | 230 days (Dec 10, 2025) |
| Aug 19, 2022 | Oct 7, 2022 | -19.5% | 34 days | 20 days (Nov 4, 2022) |
| Mar 12, 2021 | Jul 8, 2021 | -18.7% | 81 days | 128 days (Jan 7, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $651.3M
- P/E (TTM)
- 12.1
- EPS, diluted (TTM)
- $5.27
- Revenue (TTM)
- $199.9M
- Dividend yield
- 3.29%
- 52-week range
- $42.52 – $67.60
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $100.9M | $108.4M | $114.7M | $132.2M | $170.4M |
| Gross profit | $94.0M | $104.8M | $105.6M | $111.1M | $125.5M |
| Operating income | $35.0M | $45.0M | $39.8M | $40.4M | $46.5M |
| Net income | $27.8M | $35.8M | $31.7M | $31.8M | $37.1M |
| EPS (diluted) | $3.19 | $4.15 | $3.71 | $3.73 | $3.60 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $34.1M | $33.2M | $43.5M | $50.3M | $50.9M | $46.0M | $50.5M | $52.5M |
| Net income | $7.2M | $6.6M | -$272,000 | $11.6M | $14.9M | $10.8M | $13.7M | $15.2M |
| EPS (diluted) | $0.84 | $0.77 | -$0.03 | $1.11 | $1.42 | $1.04 | $1.32 | $1.49 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $42.1M | $39.2M | $40.6M | $39.8M | $53.6M |
| Capital expenditure | -$1.6M | -$1.8M | -$1.2M | -$960,000 | -$1.1M |
| Free cash flow | $40.5M | $37.4M | $39.4M | $38.8M | $52.6M |
| Dividends paid | -$9.0M | -$9.1M | -$9.7M | -$10.7M | -$14.4M |
| Net share buybacks | -$1.5M | -$6.0M | -$1.3M | $175,000 | -$10.5M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $28.0M
- Total assets
- $3.32B
- Total liabilities
- $2.90B
- Total debt
- $327.4M
- Net debt
- $299.4M
- Shareholders’ equity
- $423.3M
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 1, 2026 | $0.42 | Sep 15, 2026 |
| Jun 1, 2026 | $0.92 | Jun 15, 2026 |
| Feb 27, 2026 | $0.38 | Mar 13, 2026 |
| Dec 1, 2025 | $0.38 | Dec 15, 2025 |
| Aug 29, 2025 | $0.34 | Sep 15, 2025 |
| May 30, 2025 | $0.34 | Jun 13, 2025 |
| Feb 28, 2025 | $0.32 | Mar 14, 2025 |
| Nov 29, 2024 | $0.32 | Dec 13, 2024 |
Short interest
- Shares sold short
- 431,401
- Days to cover
- 6.17
- Change vs previous report
- +5.3%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Nov 28, 2007
- 21-for-20
- Nov 29, 2006
- 21-for-20
- Jan 3, 1995
- 2-for-1