ACNB vs. NBN
ACNB (ACNB Corporation) and NBN (Northeast Bank) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, ACNB returned 12.44%/yr vs 27.70%/yr for NBN. At a 0.15 correlation, their price movements are largely independent.
Performance
ACNB vs. NBN - Performance Comparison
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Returns By Period
In the year-to-date period, ACNB achieves a 20.41% return, which is significantly lower than NBN's 23.19% return. Over the past 10 years, ACNB has underperformed NBN with an annualized return of 12.44%, while NBN has yielded a comparatively higher 27.70% annualized return.
ACNB
- 1D
- -0.72%
- 1M
- 6.13%
- YTD
- 20.41%
- 6M
- 15.26%
- 1Y
- 43.17%
- 3Y*
- 23.10%
- 5Y*
- 19.16%
- 10Y*
- 12.44%
NBN
- 1D
- 1.20%
- 1M
- 3.65%
- YTD
- 23.19%
- 6M
- 19.15%
- 1Y
- 55.18%
- 3Y*
- 46.32%
- 5Y*
- 34.61%
- 10Y*
- 27.70%
ACNB vs. NBN - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
ACNB ACNB Corporation | 20.41% | 25.24% | -8.03% | 16.22% | 31.24% | 29.64% | -31.33% | -0.98% | 36.48% | -2.72% |
NBN Northeast Bank | 23.19% | 13.35% | 66.31% | 31.21% | 17.95% | 58.86% | 2.63% | 31.69% | -27.59% | 77.10% |
Correlation
The correlation between ACNB and NBN is 0.64, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.64 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.54 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.47 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.39 |
Correlation (All Time) Calculated using the full available price history since Jan 2, 1996 | 0.15 |
Over the past year, ACNB and NBN have become more correlated (0.64) than their long-term average of 0.15, meaning their price movements have been converging.
Fundamentals
ACNB:
$588.91M
NBN:
$1.08B
ACNB:
$4.90
NBN:
$11.67
ACNB:
11.61
NBN:
10.96
ACNB:
2.76
NBN:
1.23
ACNB:
3.00
NBN:
2.87
ACNB:
1.38
NBN:
1.90
ACNB:
$197.70M
NBN:
$375.47M
ACNB:
$157.82M
NBN:
$226.92M
ACNB:
$70.61M
NBN:
$144.04M
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Return for Risk
ACNB vs. NBN — Risk / Return Rank
ACNB
NBN
ACNB vs. NBN - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for ACNB Corporation (ACNB) and Northeast Bank (NBN). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
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 | NBN | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.20 | ||
| Sortino ratioReturn per unit of downside risk | +0.29 | ||
| Omega ratioGain probability vs. loss probability | 1.29 | 1.27 | +0.02 |
| Calmar ratioReturn relative to maximum drawdown | 3.05 | 2.01 | +1.04 |
| Martin ratioReturn relative to average drawdown | 8.81 | 5.14 | +3.66 |
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Drawdowns
ACNB vs. NBN - Drawdown Comparison
The maximum ACNB drawdown since its inception was -64.40%, smaller than the maximum NBN drawdown of -70.51%. Use the drawdown chart below to compare losses from any high point for ACNB and NBN.
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Drawdown Indicators
| ACNB | NBN | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -64.40% | -70.51% | +6.11% |
Max Drawdown (1Y)Largest decline over 1 year | -14.20% | -27.57% | +13.37% |
Max Drawdown (3Y)Largest decline over 3 years | -34.60% | -27.57% | -7.03% |
Max Drawdown (5Y)Largest decline over 5 years | -34.60% | -29.30% | -5.30% |
Max Drawdown (10Y)Largest decline over 10 years | -49.71% | -70.25% | +20.54% |
Current DrawdownCurrent decline from peak | -1.20% | -1.47% | +0.27% |
Average DrawdownAverage peak-to-trough decline | -16.91% | -23.71% | +6.80% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.91% | 10.76% | -5.85% |
Volatility
ACNB vs. NBN - Volatility Comparison
The current volatility for ACNB Corporation (ACNB) is 6.01%, while Northeast Bank (NBN) has a volatility of 9.04%. This indicates that ACNB experiences smaller price fluctuations and is considered to be less risky than NBN based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| ACNB | NBN | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.01% | 9.04% | -3.03% |
Volatility (6M)Calculated over the trailing 6-month period | 17.72% | 24.04% | -6.32% |
Volatility (1Y)Calculated over the trailing 1-year period | 24.38% | 35.17% | -10.79% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 34.34% | 32.97% | +1.37% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 40.10% | 40.78% | -0.68% |
Dividends
ACNB vs. NBN - Dividend Comparison
ACNB's dividend yield for the trailing twelve months is around 3.56%, more than NBN's 0.03% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
ACNB ACNB Corporation | 3.56% | 2.85% | 3.16% | 2.55% | 2.66% | 3.23% | 4.00% | 2.59% | 2.27% | 2.71% | 2.56% | 3.76% |
NBN Northeast Bank | 0.03% | 0.04% | 0.04% | 0.07% | 0.10% | 0.11% | 0.18% | 0.18% | 0.24% | 0.17% | 0.31% | 0.38% |
Financials
ACNB vs. NBN - Financials Comparison
This section allows you to compare key financial metrics between ACNB Corporation and Northeast Bank. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
ACNB vs. NBN - Profitability Comparison
ACNB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, ACNB Corporation reported a gross profit of 40.79M and revenue of 50.51M. Therefore, the gross margin over that period was 80.8%.
NBN - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Northeast Bank reported a gross profit of 66.84M and revenue of 105.42M. Therefore, the gross margin over that period was 63.4%.
ACNB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, ACNB Corporation reported an operating income of 17.26M and revenue of 50.51M, resulting in an operating margin of 34.2%.
NBN - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Northeast Bank reported an operating income of 43.20M and revenue of 105.42M, resulting in an operating margin of 41.0%.
ACNB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, ACNB Corporation reported a net income of 13.70M and revenue of 50.51M, resulting in a net margin of 27.1%.
NBN - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Northeast Bank reported a net income of 29.85M and revenue of 105.42M, resulting in a net margin of 28.3%.
Frequently Asked Questions
ACNB and NBN have a correlation of 0.64, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
NBN has higher volatility (9.04%) compared to ACNB (6.01%). In terms of maximum drawdown, ACNB dropped -64.40% vs NBN's -70.51%.
ACNB currently has the higher Sharpe Ratio (1.78 vs 1.58), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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