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ACNB Corporation (ACNB)
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN

US0008681092

CUSIP

000868109

IPO Date

Jan 2, 1996

Highlights

Market Cap

$453.06M

EPS (TTM)

$2.90

PE Ratio

14.82

Total Revenue (TTM)

$125.56M

Gross Profit (TTM)

$87.99M

EBITDA (TTM)

$32.83M

Year Range

$29.57 - $49.98

Target Price

$48.00

Short %

0.90%

Short Ratio

2.14

Share Price Chart


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Compare to other instruments

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Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in ACNB Corporation, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.


650.00%700.00%750.00%800.00%850.00%900.00%December2025FebruaryMarchAprilMay
778.51%
812.46%
ACNB (ACNB Corporation)
Benchmark (^GSPC)

Returns By Period

ACNB Corporation (ACNB) returned 8.66% year-to-date (YTD) and 37.19% over the past 12 months. Over the past 10 years, ACNB delivered an annualized return of 11.41%, outperforming the S&P 500 benchmark at 10.43%.


ACNB

YTD

8.66%

1M

11.39%

6M

-7.11%

1Y

37.19%

5Y*

15.72%

10Y*

11.41%

^GSPC (Benchmark)

YTD

-3.70%

1M

13.67%

6M

-5.18%

1Y

9.18%

5Y*

14.14%

10Y*

10.43%

*Annualized

Monthly Returns

The table below presents the monthly returns of ACNB, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20253.19%0.47%0.46%1.82%2.46%8.66%
2024-12.80%-8.94%6.70%-13.46%-2.00%14.89%14.36%2.08%3.93%-3.82%12.34%-15.00%-8.03%
2023-1.16%-5.16%-12.12%-6.82%-2.00%12.63%4.61%-7.47%-0.69%8.86%14.44%14.53%16.22%
20223.55%0.16%8.61%-2.06%1.58%-13.97%10.78%8.92%-15.52%21.80%8.19%1.30%31.20%
20210.20%11.22%6.12%-6.14%5.73%-3.09%0.07%4.05%-2.81%-0.89%5.59%7.71%29.73%
2020-15.26%-4.19%-1.57%-6.80%-10.26%5.39%-21.31%3.18%-1.05%0.34%20.49%0.36%-31.33%
2019-7.26%8.88%-6.09%2.35%-5.08%10.84%-5.74%-9.03%1.84%3.18%0.22%7.38%-0.98%
20182.37%-6.78%4.46%2.56%5.77%8.10%0.73%5.05%3.91%7.80%-9.44%8.76%36.48%
2017-4.00%-2.67%-0.52%7.28%-8.07%7.96%-6.72%-7.39%5.93%0.72%4.66%1.90%-2.71%
20161.08%1.27%3.56%-1.38%10.03%4.23%2.95%6.01%-2.28%1.20%16.36%0.48%51.32%
2015-7.95%3.67%-2.30%4.06%-2.49%3.17%-1.39%-1.54%4.50%3.54%0.78%-1.43%1.84%
20147.97%-3.56%0.73%4.53%0.62%-1.25%-3.11%3.97%-0.96%2.33%4.88%7.41%25.31%

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

With an overall rank of 78, ACNB is among the top 22% of stocks on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.


The Risk-Adjusted Performance Rank of ACNB is 7878
Overall Rank
The Sharpe Ratio Rank of ACNB is 8282
Sharpe Ratio Rank
The Sortino Ratio Rank of ACNB is 7676
Sortino Ratio Rank
The Omega Ratio Rank of ACNB is 7474
Omega Ratio Rank
The Calmar Ratio Rank of ACNB is 8484
Calmar Ratio Rank
The Martin Ratio Rank of ACNB is 7777
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

Risk-Adjusted Performance Indicators

The charts below present risk-adjusted performance metrics for ACNB Corporation (ACNB) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.


The current ACNB Corporation Sharpe ratio is 0.91. This value is calculated based on the past 1 year of trading data and takes into account price changes and dividends.

Use the chart below to compare the Sharpe ratio of ACNB Corporation with the selected benchmark, providing insights into the investment's historical performance in terms of risk-adjusted returns. Go to the Sharpe ratio tool for more fine-grained control over the calculation options.


Rolling 12-month Sharpe Ratio0.001.002.003.00December2025FebruaryMarchAprilMay
0.91
0.48
ACNB (ACNB Corporation)
Benchmark (^GSPC)

Dividends

Dividend History

ACNB Corporation provided a 2.98% dividend yield over the last twelve months, with an annual payout of $1.28 per share. The company has been increasing its dividends for 17 consecutive years.


2.50%3.00%3.50%4.00%$0.00$0.20$0.40$0.60$0.80$1.00$1.2020142015201620172018201920202021202220232024
Dividends
Dividend Yield
PeriodTTM20242023202220212020201920182017201620152014
Dividend$1.28$1.26$1.14$1.06$1.03$1.00$0.98$0.89$0.80$0.80$0.80$0.77

Dividend yield

2.98%3.16%2.55%2.66%3.29%4.00%2.59%2.27%2.71%2.56%3.76%3.54%

Monthly Dividends

The table displays the monthly dividend distributions for ACNB Corporation. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2025$0.00$0.32$0.00$0.00$0.00$0.32
2024$0.00$0.30$0.00$0.00$0.32$0.00$0.00$0.32$0.00$0.00$0.32$0.00$1.26
2023$0.00$0.28$0.00$0.00$0.28$0.00$0.00$0.28$0.00$0.00$0.30$0.00$1.14
2022$0.00$0.26$0.00$0.00$0.26$0.00$0.00$0.26$0.00$0.00$0.28$0.00$1.06
2021$0.00$0.25$0.00$0.00$0.27$0.00$0.00$0.25$0.00$0.00$0.26$0.00$1.03
2020$0.00$0.25$0.00$0.00$0.25$0.00$0.00$0.25$0.00$0.00$0.25$0.00$1.00
2019$0.00$0.23$0.00$0.00$0.25$0.00$0.00$0.25$0.00$0.00$0.25$0.00$0.98
2018$0.00$0.20$0.00$0.00$0.23$0.00$0.00$0.23$0.00$0.00$0.23$0.00$0.89
2017$0.00$0.20$0.00$0.00$0.20$0.00$0.00$0.20$0.00$0.00$0.20$0.00$0.80
2016$0.00$0.20$0.00$0.00$0.20$0.00$0.00$0.20$0.00$0.00$0.20$0.00$0.80
2015$0.00$0.20$0.00$0.00$0.20$0.00$0.00$0.20$0.00$0.00$0.20$0.00$0.80
2014$0.19$0.00$0.00$0.19$0.00$0.00$0.19$0.00$0.00$0.20$0.00$0.77

Dividend Yield & Payout


Dividend Yield

ACNB Corporation has a dividend yield of 2.98%, which is quite average when compared to the overall market.

Payout Ratio

ACNB Corporation has a payout ratio of 34.96%, which is quite average when compared to the overall market. This suggests that ACNB Corporation strikes a balance between reinvesting profits for growth and paying dividends to shareholders.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


-25.00%-20.00%-15.00%-10.00%-5.00%0.00%December2025FebruaryMarchAprilMay
-14.08%
-7.82%
ACNB (ACNB Corporation)
Benchmark (^GSPC)

Worst Drawdowns

The table below displays the maximum drawdowns of the ACNB Corporation. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the ACNB Corporation was 62.78%, occurring on Mar 5, 2009. Recovery took 845 trading sessions.

The current ACNB Corporation drawdown is 14.08%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-62.78%Jan 21, 20041072Mar 5, 2009845Feb 11, 20131917
-49.71%Nov 2, 2018475Sep 23, 2020476Aug 15, 2022951
-41.56%Jul 28, 1998214Sep 16, 1999627Jan 10, 2003841
-34.6%Dec 18, 2023116Jun 4, 2024108Nov 6, 2024224
-32.87%Dec 22, 202291May 4, 2023146Dec 1, 2023237

Volatility

Volatility Chart

The current ACNB Corporation volatility is 8.11%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.


0.00%5.00%10.00%15.00%20.00%December2025FebruaryMarchAprilMay
8.11%
11.21%
ACNB (ACNB Corporation)
Benchmark (^GSPC)

Financials

Financial Performance

The chart below illustrates the trends in the financial health of ACNB Corporation over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.


Annual
Quarterly

0.0

Earnings Per Share

The chart presents the Earnings Per Share (EPS) performance of ACNB Corporation, comparing actual results with analytics estimates. In the past quarter, the company did not meet analyst expectations for EPS, resulting in a surprise of -15.0%.


0.000.501.0020212022202320242025
0.79
0.93
Actual
Estimate

Valuation

The Valuation section provides an overview of how ACNB Corporation is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PE Ratio

The chart displays the Price-to-Earnings (P/E) ratio for ACNB, comparing it with other companies in the Banks - Regional industry. Currently, ACNB has a P/E ratio of 14.8. This P/E ratio is significantly higher than those of industry peers. This could indicate that the stock is overvalued or that investors expect strong future growth.

PEG Ratio

The chart shows the Price/Earnings to Growth (PEG) ratio for ACNB compared to other companies in the Banks - Regional industry. ACNB currently has a PEG ratio of 0.0. This PEG ratio is low compared to industry peers, which could indicate the stock is undervalued relative to its expected growth.

PS Ratio

This chart shows the Price-to-Sales (P/S) ratio for ACNB relative to other companies in the Banks - Regional industry. Currently, ACNB has a P/S ratio of 3.9. This P/S ratio is high relative to other companies in the industry. It could mean the stock is overvalued, or that investors expect strong future growth and profitability.

PB Ratio

The chart illustrates the Price-to-Book (P/B) ratio for ACNB in comparison with other companies in the Banks - Regional industry. Currently, ACNB has a P/B value of 1.2. This P/B ratio is in line with the industry average, suggesting the stock is valued fairly in relation to its book value.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items