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Price (delayed)
$41.48
Market cap
$354.6M
P/E Ratio
12.02
Dividend/share
$1.26
EPS
$3.45
Enterprise value
$591.71M
ACNB Corporation, headquartered in Gettysburg, PA, is the $2.6 billion financial holding company for the wholly-owned subsidiaries of ACNB Bank, Gettysburg, PA, and Russell Insurance Group, Inc., Westminster, MD. Originally
Highlights
ACNB's equity is up by 20% YoY and by 6% from the previous quarter
Acnb's debt has soared by 89% YoY but it has decreased by 3.7% from the previous quarter
Acnb's net income has decreased by 22% YoY and by 6% QoQ
The EPS has declined by 22% year-on-year and by 6% since the previous quarter
Key stats
What are the main financial stats of ACNB
Market
Valuations
Earnings
Shares outstanding
8.55M
Market cap
$354.6M
Enterprise value
$591.71M
Price to earnings (P/E)
12.02
Price to book (P/B)
1.16
Price to sales (P/S)
3.32
EV/EBIT
16.02
EV/EBITDA
14.79
EV/Sales
5.56
Revenue
$106.4M
Gross profit
$106.4M
Net income
$29.35M
EBIT
$36.93M
EBITDA
$40M
Free cash flow
$41.11M
Per share
Balance sheet
Liquidity
EPS
$3.45
EPS diluted
$3.45
Free cash flow per share
$4.83
Book value per share
$35.9
Revenue per share
$12.51
TBVPS
$278.42
Total assets
$2.42B
Total liabilities
$2.11B
Debt
$295.2M
Equity
$306.76M
Working capital
N/A
Debt to equity
0.96
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
5.93
Margins
Efficiency
Dividend
EBITDA margin
37.6%
Gross margin
100%
Net margin
27.6%
Operating margin
34.7%
Return on assets
1.2%
Return on equity
10.2%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
34.7%
Dividend yield
3.04%
DPS
$1.26
Payout ratio
36.5%
ACNB stock price
How has the Acnb stock price performed over time
Intraday
-0.48%
1 week
-9.25%
1 month
-12.06%
1 year
-5.6%
YTD
-7.33%
QTD
-5.01%
Financial performance
How have Acnb's revenue and profit performed over time
Revenue
$106.4M
Gross profit
$106.4M
Operating income
$36.93M
Net income
$29.35M
Gross margin
100%
Net margin
27.6%
The company's operating income fell by 23% YoY and by 6% QoQ
Acnb's net income has decreased by 22% YoY and by 6% QoQ
The operating margin has declined by 18% year-on-year and by 5% since the previous quarter
Acnb's net margin has decreased by 17% YoY and by 5% from the previous quarter
Growth
What is Acnb's growth rate over time
Valuation
What is Acnb stock price valuation
P/E
12.02
P/B
1.16
P/S
3.32
EV/EBIT
16.02
EV/EBITDA
14.79
EV/Sales
5.56
The EPS has declined by 22% year-on-year and by 6% since the previous quarter
The stock's price to earnings (P/E) is 20% more than its 5-year quarterly average of 10.0 and 5% more than its last 4 quarters average of 11.4
ACNB's equity is up by 20% YoY and by 6% from the previous quarter
The price to book (P/B) is 5% higher than the 5-year quarterly average of 1.1 but 3.3% lower than the last 4 quarters average of 1.2
The price to sales (P/S) is 14% higher than the 5-year quarterly average of 2.9
Acnb's revenue has decreased by 6% YoY
Efficiency
How efficient is Acnb business performance
Acnb's return on equity has decreased by 32% YoY and by 10% QoQ
ACNB's return on invested capital is down by 30% year-on-year and by 7% since the previous quarter
The company's return on assets fell by 25% YoY and by 8% QoQ
The return on sales has declined by 18% year-on-year and by 5% since the previous quarter
Dividends
What is ACNB's dividend history
DPS
$1.26
Dividend yield
3.04%
Payout ratio
36.5%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Acnb financials performed over time
ACNB's total assets is 15% greater than its total liabilities
The total liabilities has declined by 2.5% since the previous quarter
Acnb's debt is 3.8% less than its equity
Acnb's debt has soared by 89% YoY but it has decreased by 3.7% from the previous quarter
The debt to equity has soared by 57% year-on-year but it is down by 9% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.