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ACNB Corporation (ACNB)
Performance
Return for Risk
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN
US0008681092
CUSIP
000868109
IPO Date
Jan 2, 1996

Highlights

Market Cap
$497.18M
Enterprise Value
$890.94M
EPS (TTM)
$3.55
PE Ratio
13.49
PEG Ratio
3.21
Total Revenue (TTM)
$191.82M
Gross Profit (TTM)
$110.34M
EBITDA (TTM)
$52.01M
Year Range
$35.70 - $53.89
Target Price
$52.00
ROA (TTM)
1.15%
ROE (TTM)
8.82%

Share Price Chart


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ACNB Corporation

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

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.


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S&P 500 Index

Returns By Period

ACNB Corporation (ACNB) has returned -0.26% so far this year and 19.93% over the past 12 months. Over the last ten years, ACNB has returned 11.43% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.


ACNB Corporation

1D
0.63%
1M
-5.02%
YTD
-0.26%
6M
10.37%
1Y
19.93%
3Y*
17.47%
5Y*
13.49%
10Y*
11.43%

Benchmark (S&P 500 Index)

1D
2.91%
1M
-5.09%
YTD
-4.63%
6M
-2.39%
1Y
16.33%
3Y*
16.69%
5Y*
10.18%
10Y*
12.16%
*Multi-year figures are annualized to reflect compound growth (CAGR)

Monthly Returns

Based on dividend-adjusted daily data since Jan 2, 1996, ACNB's average daily return is +0.05%, while the average monthly return is +0.79%. At this rate, your investment would double in approximately 7.3 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%-0.26%
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 9.61%, beta of 0.42, and R² of 0.06 versus S&P 500 Index. Calculated based on daily prices since January 03, 1996.

  • This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (43.74%) than losses (31.87%) — 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
9.61%
Beta
0.42
0.06
Upside Capture
43.74%
Downside Capture
31.87%

Return for Risk

Risk / Return Rank

ACNB ranks 65 for risk / return — better than 65% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.


ACNB Risk / Return Rank: 6565
Overall Rank
ACNB Sharpe Ratio Rank: 6868
Sharpe Ratio Rank
ACNB Sortino Ratio Rank: 6060
Sortino Ratio Rank
ACNB Omega Ratio Rank: 5757
Omega Ratio Rank
ACNB Calmar Ratio Rank: 6969
Calmar Ratio Rank
ACNB Martin Ratio Rank: 7272
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 a chosen benchmark (S&P 500 Index).


ACNBBenchmarkDifference

Sharpe ratio

Return per unit of total volatility

0.79

0.90

-0.11

Sortino ratio

Return per unit of downside risk

1.24

1.39

-0.15

Omega ratio

Gain probability vs. loss probability

1.15

1.21

-0.06

Calmar ratio

Return relative to maximum drawdown

1.42

1.40

+0.02

Martin ratio

Return relative to average drawdown

3.96

6.61

-2.64

Explore ACNB risk-adjusted metrics in detail

Dive deeper into individual metrics with historical trends, benchmark comparisons, and performance across different time periods.

Dividends

Dividend History

ACNB Corporation provided a 3.01% dividend yield over the last twelve months, with an annual payout of $1.44 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$1.44$1.38$1.26$1.14$1.06$1.01$1.00$0.98$0.89$0.80$0.80$0.80

Dividend yield

3.01%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$0.38
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 3.01%, which is quite average when compared to the overall market.

Payout Ratio

ACNB Corporation has a payout ratio of 35.58%, 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 9.32%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-64.4%Dec 11, 20031316Mar 5, 20091097Jul 15, 20132413
-49.71%Nov 2, 2018475Sep 23, 2020476Aug 15, 2022951
-41.63%Jul 28, 1998288Sep 16, 1999841Jan 23, 20031129
-34.6%Dec 18, 2023116Jun 4, 2024108Nov 6, 2024224
-32.87%Dec 22, 202291May 4, 2023146Dec 1, 2023237

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 13.5. 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 3.2. 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 2.6. 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 1.2. 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