- ISIN
- US0008681092
- CUSIP
- 000868109
- Sector
- Financial Services
- Industry
- Banks - Regional
- 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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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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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%
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%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 4.49% | 0.50% | -5.02% | 5.89% | 7.10% | 6.45% | 20.41% | ||||||
| 2025 | 3.19% | 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% |
| 2022 | 3.55% | 0.16% | 8.61% | -2.06% | 1.61% | -13.97% | 10.78% | 8.92% | -15.52% | 21.80% | 8.19% | 1.30% | 31.24% |
| 2021 | 0.20% | 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
- R²
- 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.
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.
| ACNB | Benchmark | Difference | |
|---|---|---|---|
| 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.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 2mo | 4y 4mo | 9y 7moDec 2003 - Jul 2013 |
2020 bear market2020 | -49.71%Sep 2020 | 1y 10mo | 1y 10mo | 3y 9moNov 2018 - Aug 2022 |
1999 bear market1999 | -41.63%Sep 1999 | 1y 1mo | 3y 4mo | 4y 6moJul 1998 - Jan 2003 |
2024 bear market2024 | -34.60%Jun 2024 | 5mo 19d | 5mo 5d | 10mo 24dDec 2023 - Nov 2024 |
2023 bear market2023 | -32.87%May 2023 | 4mo 13d | 7mo 1d | 11mo 14dDec 2022 - Dec 2023 |
Drawdown Indicators
| ACNB | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest 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 DrawdownCurrent decline from peak | -1.20% | -1.80% | +0.60% |
Average DrawdownAverage peak-to-trough decline | -16.91% | -10.71% | -6.20% |
Ulcer IndexDepth 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.
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 | — |
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