ACNB positions itself as a community-focused regional bank with integrated insurance and wealth management services. With approximately 416 employees and a market capitalization near $520 million, the company maintains a diversified business model spanning deposit-taking, commercial and consumer lending, mortgage banking, trust services, and property/casualty and life insurance.
Cyborg Score Rationale
ACNB demonstrates solid fundamentals with consistent profitability (Q3 2025 EPS beat analyst estimates by 20.3%), attractive dividend yield of 3.0%, and manageable valuation at 14.9x PE. Low volatility (beta 0.86) and stable cash flow generation support quality metrics, though small scale and regional focus limit growth trajectory.
Top Insights
Strong earnings execution: Q3 2025 EPS of $1.42 exceeded analyst estimate of $1.18 by 24 cents, demonstrating operational efficiency
Attractive income generation: Quarterly dividend of $0.38 per share ($1.52 annualized) yields 3.01%, supporting income-focused investors
Valuation discount: Trading at approximately 42% discount to DCF-derived fair value of $89.09 per share, suggesting potential value opportunity
Stable earnings trajectory: Revenue consistently near $40M quarterly with upward net income trend (27.66% growth Q2 to Q3 2025)
Named Competitors
Regional Banking Services — Community and regional banking competitors
Integrated Financial Services — Larger institutions offering similar product suites
Insurance Services — Property/casualty and life insurance competitors
Recent Developments
(October 2025) Board action regarding dividend approval and strategic matters
(July 2025) Q2 2025 earnings announced with GAAP revenue of $39.7M
(April 2025) Corporate governance updates and strategic announcements
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