ACNB Corporation (ACNB) stock analysis

In our weekly check, ACNB Corporation is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 15 pass, warnings: 2, red flags: 8.

About ACNB Corporation

ACNB Corporation is a Financial Services company (Banks - Regional) based in the United States, listed on NASDAQ as ACNB.

What our checks show for ACNB

Red flags

• The gross margin fell by 13.5 points, to 79.6%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 5.9% a year.
• The stock has fallen as much as 60% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 4.8 years.
• The share count grew by 20.6% in 2 years: each shareholder owns a smaller slice.
• Thinly traded (about 65 thousand shares a day): buying and selling can move the price.
• Return on capital (ROCE) is only 2.2%.

Warning signs

• A small company (market value $665 million): usually riskier and followed by fewer analysts.

Strengths

• Analysts expect the net margin to improve by 5.3 points from today's 27.3%.
• Revenue grew 23.3% a year over the last 3 years.
• Net profit grew 15.8% a year over the last 3 years.
• The company keeps 27.3% of its revenue as net profit.
• Free cash flow is 25.9% of revenue: cash for dividends, buybacks or growth.
• The dividend takes 31% of profit: there is a cushion.

Next earnings report: 2027-01-28

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Questions

What grade does ACNB Corporation (ACNB) have?

In our weekly check, ACNB Corporation is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 15 pass, warnings: 2, red flags: 8. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of ACNB stock?

This week's biggest flags for ACNB Corporation: Gross margin falling, Weak revenue forecast, Deep past fall. In total 10 of 25 checks show a warning or a red flag.

What does ACNB Corporation do?

ACNB Corporation is a Financial Services company (Banks - Regional) based in the United States, listed on NASDAQ as ACNB.

When does ACNB Corporation report earnings next?

The next earnings report is expected on 2027-01-28. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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