ACNB Corporation Common Stock (ACNB)

FairStock Score: 73/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I am a value investor, so I start with what a bank earns on its equity and what I pay for that equity. At the close on 2026-10-13, ACNB traded at $62.71, which FairStock calculates as 11.9 times earnings and 1.51 times book, with a 13.34% return on equity. That is not a cigar butt, but it is not extravagant for a small regional bank. The reported record is steadier than the headline multiple suggests: in FY2023, period ended 2023-12-31, net income was $31.7M; in FY2024 it was $31.8M; and in FY2025, period ended 2025-12-31, it was $37.1M. Revenue rose from $115.1M to $132.2M to $191.8M over those same years, though diluted EPS slipped from $3.71 to $3.73 to $3.60, so I would want to understand share issuance and mix. The most recent filed quarter, fiscal Q2 2026 ended 2026-06-30, showed revenue of $52.5M, net income of $15.2M and diluted EPS of $1.49, versus $50.3M, $11.6M and $1.11 in fiscal Q2 2025. That is real progress. FairStock's 4/9 Piotroski score is mediocre, and the 0.39 PEG and 2.55% dividend yield suggest the market is not paying much for the growth. But this is a bank; without CET1, net interest margin, charge-offs, nonperforming loans, reserves, loan-to-deposit data and the insurer-style combined ratio, I cannot judge credit or capital risk. I would treat the low valuation as a starting point, not a conclusion.

In plain English: ACNB is a small regional bank that offers banking, insurance, and related financial services. It has produced steady profits in recent years, and the latest filed quarter showed more earnings than the same quarter a year earlier. At the recent price, the shares look moderately priced to slightly cheap against the company's profits and net worth, but important bank safety details are missing from the data.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer