NASDAQ
ACNB
Last Price
US $61.25
KEY FIGURES
MKT CAP
$0.6B
EPS
TTM
$4.93
PEG
TTM
0.18x
P/E
TTM
12.33x
P/S
TTM
3.62x
YIELD
3.34%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
12.38%
Return on equity
ROIC: 7.20%
Valuation History
12.3X
Price to Earnings
EV/EBITDA: 11.4X
Cash flow
Profit margin
10.09%
(FY vs FY)
EBITDA Y/Y
15.08%
(FY vs FY)
Cash flow Y/Y
16.57%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $61.25
-1.49%
Default assumptions
EBITDA Multiple
Fair Value
Market $61.25
-89.91%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
ACNB Corporation cash flow to debt ratio of 16.30% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial stability - Healthy cash flow growth.
ACNB Corporation's free cash flow has increased 35.41% from $38.82M last year to $52.57M, signaling increasing performance
Financial risk - Healthy debt to equity ratio.
ACNB Corporation's debt to equity ratio is 0.67, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy
Financial stability - Healthy debt to equity ratio development.
ACNB Corporation's debt has decreased relative to shareholder equity from 0.90 last year to 0.67 today, signaling strengthened financials
Financial risk - Net debt/EBITDA.
ACNB Corporation has a net debt to EBITDA ratio of 5.80x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk
Financial stability - ICR.
ACNB Corporation earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
ACNB Corporation's profit margin has increased (7.14%) in the last year from 24.09% to 25.81%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
ACNB Corporation's short-term liabilities of $64.74M exceed its short-term assets of $20.61M, signaling financial risk
Decreasing performance - ROA.
ACNB Corporation's return on assets of 1.56% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
ACNB Corporation's return on equity of 12.38%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
ACNB Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
ACNB Corporation had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
ACNB Corporation has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
ACNB Corporation has a free cash flow yield of 8.52%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
ACNB Corporation's yearly earnings has increased 16.34% since last year from $31.85M to $37.05M, signaling increasing performance
Increasing performance - Healthy revenue growth.
ACNB Corporation's yearly revenue has increased 45.10% since last year from $132.19M to $191.82M, signaling increasing performance
Increasing performance - ROIC.
ROIC 7.20% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.
Increasing performance - 3-year revenue CAGR.
ACNB Corporation's 3-year revenue CAGR of 16.26% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
ACNB Corporation had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
ACNB Corporation had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
ACNB Corporation is overvalued relative to its fair value price of 60.34 based on Discounted Cash Flow model
Undervalued - Earnings yield.
ACNB Corporation has an earnings yield of 8.16%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
ACNB Corporation is overvalued relative to its fair value price of 6.18 based on EBITDA multiple model
Undervalued - EV/EBITDA.
ACNB Corporation has an EV/EBITDA ratio of 11.43x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
ACNB Corporation has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
ACNB Corporation has a price-to-book ratio of 1.47x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
ACNB Corporation has a price-to-sales ratio of 3.12x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue