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ACNB Corporation

Financial Services US ACNB

44.08USD
-(-%)

Last update at 2025-05-20T20:00:00Z

Day Range

44.0844.31
LowHigh

52 Week Range

29.8150.37
LowHigh

Fundamentals

  • Previous Close 44.08
  • Market Cap389.82M
  • Volume270
  • P/E Ratio13.26
  • Dividend Yield2.74%
  • Revenue TTM106.40M
  • Revenue Per Share TTM12.53
  • Gross Profit TTM 105.23M
  • Diluted EPS TTM3.44

Source: TradingView
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Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 44.95M 35.02M 22.70M 29.37M 26.72M
Minority interest - - - - -
Net income 35.75M 27.83M 18.39M 23.72M 21.75M
Selling general administrative 37.11M 38.49M 36.64M 29.98M 28.19M
Selling and marketing expenses 0.30M 0.29M 0.56M 0.56M 0.56M
Gross profit 0.42M 93.93M 93.00M 77.59M 73.04M
Reconciled depreciation 3.80M 3.44M 3.65M 2.70M 2.85M
Ebit 48.58M 35.02M 22.70M 29.37M 34.12M
Ebitda 52.37M 38.46M 26.35M 32.06M 36.97M
Depreciation and amortization 3.80M 3.44M 3.65M 2.70M 2.85M
Non operating income net other - - - - -
Operating income 48.58M 35.02M 22.70M 29.37M 34.12M
Other operating expenses 0.30M -58.91100M -70.30000M -48.22100M -38.92400M
Interest expense 3.62M 6.92M 12.22M 10.14M 7.40M
Tax provision 9.20M 7.18M 4.31M 5.64M 4.97M
Interest income 87.05M 78.16M 85.29M 69.23M 64.19M
Net interest income 83.42M 71.24M 73.07M 59.09M 56.80M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 9.20M 7.18M 4.31M 5.64M 4.97M
Total revenue 0.42M 93.93M 93.00M 77.59M 73.04M
Total operating expenses 0.30M -58.91100M -70.30000M -48.22100M -38.92400M
Cost of revenue - - - - 0.00000M
Total other income expense net -3.62400M -6.91500M -12.22200M -10.14000M -7.39900M
Discontinued operations - - - - -
Net income from continuing ops 35.75M 27.83M 18.39M 23.72M 21.75M
Net income applicable to common shares 35.75M 27.83M 18.39M 23.72M 21.75M
Preferred stock and other adjustments - - - - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 2425.73M 2525.51M 2786.99M 2555.36M 1720.25M
Intangible assets 9.08M 10.33M 6.10M 7.26M 4.43M
Earning assets - - - - 313.57M
Other current assets 66.42M 3.52M 3.29M 1381.20M 1148.14M
Total liab 2148.27M 2280.47M 37.97M 56.88M 1530.74M
Total stockholder equity 277.46M 245.04M 272.11M 257.97M 189.52M
Deferred long term liab - - - - -
Other current liab 1474.77M 2198.97M 2426.39M 38.46M -0.75000M
Common stock 22.23M 22.09M 21.98M 21.92M 17.86M
Capital stock 22.23M 22.09M 21.98M 21.92M 17.86M
Retained earnings 213.49M 193.87M 167.24M 148.37M 138.66M
Other liab - 15.37M 18.58M 19.66M 15.24M
Good will 44.19M 44.19M 42.11M 42.11M 19.58M
Other assets 0.00000M 1097.68M 1109.88M 1381.20M 1148.14M
Cash 65.96M 168.16M 710.13M 399.35M 114.36M
Cash and equivalents - - - - -
Total current liabilities 1612.48M 45.12M 38.47M 41.60M 0.75M
Current deferred revenue - - - - -
Net debt 188.83M -143.99900M -672.16100M -342.46900M -44.55800M
Short term debt 137.71M 45.12M 38.47M 41.60M 0.75M
Short long term debt 26.88M - - - 0.75M
Short long term debt total 254.79M 24.16M 37.97M 56.88M 69.80M
Other stockholder equity 86.65M 87.09M 92.44M 93.32M 38.85M
Property plant equipment - 3.39M 1.09M 33.01M 29.23M
Total current assets 66.42M 721.72M 1147.23M 737.07M 305.19M
Long term investments 518.22M 553.55M 437.10M 1977.98M 213.68M
Net tangible assets - 190.53M 272.11M 208.60M 165.51M
Short term investments 451.69M 553.55M 437.10M 337.72M 190.84M
Net receivables - - - - -
Long term debt 195.29M 21.00M 34.70M 53.74M 65.55M
Inventory - 0.47M - - 0.36M
Accounts payable - 2198.97M 2426.39M 2185.53M 1412.26M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -44.90900M -58.01200M -9.54500M -5.63800M -5.85300M
Additional paid in capital - - - - -
Common stock total equity - 22.09M 21.98M 21.92M 17.86M
Preferred stock total equity - - - - -
Retained earnings total equity - 193.87M 167.24M 148.37M -
Treasury stock - -8.92700M -2.24500M -0.72800M -0.72800M
Accumulated amortization - - - - -
Non currrent assets other 2198.99M -706.11100M -529.87400M -437.09300M -266.91600M
Deferred long term asset charges - - - - -
Non current assets total 2359.30M 706.11M 529.87M 437.09M 266.92M
Capital lease obligations 2.62M 3.16M 3.27M 3.14M 3.50M
Long term debt total - 21.00M 34.70M 53.74M -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -312.03100M 61.05M -149.53000M 8.02M -47.89700M
Change to liabilities 0.85M 4.64M -5.80000M 0.12M 0.02M
Total cashflows from investing activities -331.72300M 60.52M -114.84800M 8.02M -53.61600M
Net borrowings -6.94800M -22.30700M -16.97200M -18.43300M -13.34400M
Total cash from financing activities -249.44800M 208.13M 374.37M 39.71M 30.54M
Change to operating activities -3.45100M 0.32M 1.47M 1.26M 2.52M
Net income 35.75M 27.83M 18.39M 23.72M 21.75M
Change in cash -541.97000M 310.78M 285.00M 73.45M 6.46M
Begin period cash flow 710.13M 399.35M 114.36M 40.91M 34.44M
End period cash flow 168.16M 710.13M 399.35M 114.36M 40.91M
Total cash from operating activities 39.20M 42.13M 25.47M 25.72M 29.54M
Issuance of capital stock 0.71M 0.06M 0.82M 0.89M 0.54M
Depreciation 3.80M 3.44M 3.65M 2.70M 2.85M
Other cashflows from investing activities -17.88100M 1.05M 35.73M -0.51800M -3.97600M
Dividends paid -9.11700M -8.96800M -8.68500M -6.92000M -6.26100M
Change to inventory - - - - -1401.71600M
Change to account receivables -1.39500M 1.43M -1.62400M 0.18M -0.87500M
Sale purchase of stock -6.68200M -1.51700M 0.82M 0.89M 0.54M
Other cashflows from financing activities -219.16200M 252.60M 404.24M 71.17M 65.06M
Change to netincome 2.23M 8.02M 2.46M -2.25100M 2.62M
Capital expenditures 1.81M 1.58M 1.05M 1.42M 1.74M
Change receivables -1.39500M 1.43M -1.62400M - -0.87500M
Cash flows other operating -4.19200M -4.86400M 7.46M - 2.71M
Exchange rate changes - - - - -
Cash and cash equivalents changes -541.97000M 310.78M 285.00M - 6.46M
Change in working capital -3.92200M 1.98M -1.19200M 1.56M 2.20M
Stock based compensation 0.73M 0.36M 0.43M 0.32M 0.19M
Other non cash items 1.92M 10.64M 5.23M -2.69300M 2.00M
Free cash flow 37.39M 40.55M 24.42M 24.30M 27.80M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
ACNB
ACNB Corporation		 - -% 44.08 13.26 10.87 3.66 1.30 6.32
HDB
HDFC Bank Limited ADR		 -0.71 0.96% 73.07 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 -0.085 0.27% 31.20 6.61 5.68 0.48 0.77 3.43
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.09 6.10 5.67 0.44 0.77 3.43
IBN
ICICI Bank Limited		 -0.3 0.87% 34.00 17.79 16.95 0.07 3.08

Reports Covered

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Profile

ACNB Corporation, a financial holding company, offers banking, insurance, and financial services to individual, business, and government customers in the United States. The company provides checking, savings, and money market deposit accounts, as well as time deposits and debit cards. It also offers commercial lending products, such as commercial mortgages, real estate development and construction loans, accounts receivable and inventory financing, and agricultural and governmental loans; consumer lending products, including home equity loans and lines of credit, automobile and recreational vehicle loans, manufactured housing loans, and personal lines of credit; and mortgage lending programs include personal residential mortgages, and residential construction and investment mortgage loans. In addition, the company provides other services that are related to testamentary trusts, life insurance trusts, charitable remainder trusts, guardianships, powers of attorney, custodial accounts, and investment management and advisory accounts; and retail brokerage services. Further, it acts as a trustee to invest in, protect, manage, and distribute financial assets. Additionally, the company offers property and casualty, health, life, and disability insurance products to commercial and personal clients; and online, telephone, and mobile banking, as well as automated teller machine services. ACNB Corporation was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.

ACNB Corporation

16 Lincoln Square, Gettysburg, PA, United States, 17325

Key Executives

Name Title Year Born
Mr. James P. Helt Pres, CEO & Director 1967
Ms. Lynda L. Glass Exec. VP, Sec. & Chief Governance Officer 1961
Mr. Jason H. Weber C.F.A., CPA, CFA, FRM Exec. VP, CFO & Treasurer NA
Mr. James P. Helt President, CEO & Director 1967
Mr. Douglas A. Seibel Executive VP and Chief Lending & Revenue Officer of ACNB Bank 1961
Mr. Jason H. Weber C.F.A., CPA, FRM Executive VP, CFO & Treasurer 1975
Mr. Kevin J. Hayes Esq. Senior VP, General Counsel, Secretary & Chief Governance Officer NA
Mr. Mark E. Blacksten Executive Vice President of Maryland Market President NA
Mr. Brett D. Fulk Executive VP & Chief Strategy Officer 1969

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