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ISIN
US0008681092
CUSIP
000868109
IPO Date
Jan 2, 1996

Highlights

Market Cap
$588.91M
Enterprise Value
$842.67M
EPS (TTM)
$4.90
PE Ratio
11.61
PEG Ratio
2.76
Total Revenue (TTM)
$197.70M
Gross Profit (TTM)
$157.82M
EBITDA (TTM)
$70.61M
Year Range
$40.80 - $58.54
Target Price
$52.00
ROA (TTM)
1.56%
ROE (TTM)
11.99%

Share Price Chart


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ACNB Corporation

Often compared with ACNB:
ACNB vs. VOOACNB vs. NBN

Performance

ACNB Performance Chart

ACNB Corporation (ACNB) is up 20.4% since the beginning of the year. At $57 per share, ACNB is trading just below its 52-week high of $59. Investors who bought $1,000 worth of ACNB shares 5 years ago would now be looking at an investment worth $2,402.


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S&P 500 Index

Returns By Period

ACNB Corporation (ACNB) has returned 20.41% so far this year and 43.17% over the past 12 months. Over the last ten years, ACNB has returned 12.44% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% annually.


ACNB Corporation

1D
-0.72%
1M
6.13%
YTD
20.41%
6M
15.26%
1Y
43.17%
3Y*
23.10%
5Y*
19.16%
10Y*
12.44%

Benchmark (S&P 500 Index)

1D
-0.37%
1M
-0.01%
YTD
9.16%
6M
8.64%
1Y
25.22%
3Y*
19.78%
5Y*
11.99%
10Y*
13.88%
*Multi-year figures are annualized to reflect compound growth (CAGR)

ACNB Monthly Returns History

Based on dividend-adjusted daily data since Jan 2, 1996, ACNB's average daily return is +0.05%, while the average monthly return is +0.83%. At this rate, an investment would double in approximately 7.0 years.

Historically, 58% of months were positive and 42% were negative. The best month was Oct 2022 with a return of +21.8%, while the worst month was Jul 2020 at -21.3%. The longest winning streak lasted 8 consecutive months, and the longest losing streak was 10 months.

On a daily basis, ACNB closed higher 40% of trading days. The best single day was Oct 13, 2008 with a return of +29.8%, while the worst single day was Mar 12, 2020 at -25.0%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20264.49%0.50%-5.02%5.89%7.10%6.45%20.41%
20253.19%0.47%0.46%1.82%-0.01%3.06%-1.73%8.45%-2.82%2.59%7.13%0.69%25.24%
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%1.61%-13.97%10.78%8.92%-15.52%21.80%8.19%1.30%31.24%
20210.20%11.22%6.12%-6.14%5.65%-3.09%0.07%4.05%-2.81%-0.89%5.59%7.71%29.64%

Benchmark Metrics

ACNB Corporation has an annualized alpha of 10.03%, beta of 0.42, and R2 of 0.06 versus S&P 500 Index. Calculated based on daily prices since January 02, 1996.

  • This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (44.32%) than losses (30.42%) - typical of diversified or defensive assets.
  • Beta of 0.42 may look defensive, but with R2 of 0.06 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
  • R2 of 0.06 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

Alpha
10.03%
Beta
0.42
0.06
Upside Capture
44.32%
Downside Capture
30.42%

Return for Risk

Risk / Return Rank

ACNB ranks 84 for risk / return — in the top 84% of stocks on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.


ACNB Risk / Return Rank: 8484
Overall Rank
ACNB Sharpe Ratio Rank: 8686
Sharpe Ratio Rank
ACNB Sortino Ratio Rank: 8383
Sortino Ratio Rank
ACNB Omega Ratio Rank: 8080
Omega Ratio Rank
ACNB Calmar Ratio Rank: 8484
Calmar Ratio Rank
ACNB Martin Ratio Rank: 8686
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for ACNB Corporation (ACNB) and compare them to S&P 500 Index.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.


ACNBBenchmarkDifference
Sharpe ratioReturn per unit of total volatility

-0.25

Sortino ratioReturn per unit of downside risk

-0.27

Omega ratioGain probability vs. loss probability

1.29

1.37

-0.08

Calmar ratioReturn relative to maximum drawdown

3.05

2.78

+0.27

Martin ratioReturn relative to average drawdown

8.81

12.44

-3.63

Dividends

Dividend History

ACNB Corporation provided a 3.56% dividend yield over the last twelve months, with an annual payout of $2.02 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$1.20$1.4020152016201720182019202020212022202320242025
Dividends
Dividend Yield
PeriodTTM20252024202320222021202020192018201720162015
Dividend$2.02$1.38$1.26$1.14$1.06$1.01$1.00$0.98$0.89$0.80$0.80$0.80

Dividend yield

3.56%2.85%3.16%2.55%2.66%3.23%4.00%2.59%2.27%2.71%2.56%3.76%

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
2026$0.00$0.38$0.00$0.00$0.00$0.92$1.30
2025$0.00$0.32$0.00$0.00$0.34$0.00$0.00$0.34$0.00$0.00$0.00$0.38$1.38
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$0.25$0.00$0.00$0.25$0.00$0.00$0.26$0.00$1.01

Dividend Yield & Payout


Dividend Yield

ACNB Corporation has a dividend yield of 3.56%, which is quite average when compared to the overall market.

Payout Ratio

ACNB Corporation has a payout ratio of 28.19%, 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.


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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 64.40%, occurring on Mar 5, 2009. Recovery took 1097 trading sessions.

The current ACNB Corporation drawdown is 1.20%.


Related event

Drawdown

Fall

Recovery

Underwater

Financial crisis2007–2009
-64.40%Mar 2009
5y 2mo4y 4mo
9y 7moDec 2003 - Jul 2013
2020 bear market2020
-49.71%Sep 2020
1y 10mo1y 10mo
3y 9moNov 2018 - Aug 2022
1999 bear market1999
-41.63%Sep 1999
1y 1mo3y 4mo
4y 6moJul 1998 - Jan 2003
2024 bear market2024
-34.60%Jun 2024
5mo 19d5mo 5d
10mo 24dDec 2023 - Nov 2024
2023 bear market2023
-32.87%May 2023
4mo 13d7mo 1d
11mo 14dDec 2022 - Dec 2023

Drawdown Indicators


ACNBBenchmarkDifference

Max Drawdown

Largest peak-to-trough decline

-64.40%

-56.78%

-7.62%

Max Drawdown (1Y)

Largest decline over 1 year

-14.20%

-9.10%

-5.10%

Max Drawdown (3Y)

Largest decline over 3 years

-34.60%

-18.90%

-15.70%

Max Drawdown (5Y)

Largest decline over 5 years

-34.60%

-25.43%

-9.17%

Max Drawdown (10Y)

Largest decline over 10 years

-49.71%

-33.92%

-15.79%

Current Drawdown

Current decline from peak

-1.20%

-1.80%

+0.60%

Average Drawdown

Average peak-to-trough decline

-16.91%

-10.71%

-6.20%

Ulcer Index

Depth and duration of drawdowns from previous peaks

4.91%

2.03%

+2.88%

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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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

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 11.6. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.

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 2.8. This PEG ratio is higher than the industry average, which may suggest the stock is overvalued relative to its expected earnings 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 3.0. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.

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 1.4. 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
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