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1. Company Snapshot

1.a. Company Description

ACNB Corporation, a financial holding company, provides banking, insurance, and financial services to individual, business, and government customers in the United States.The company offers checking, savings, and money market deposit accounts, as well as time deposits and debit cards.It also provides 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 individual clients; and online, telephone, and mobile banking, as well as automated teller machine services.


As of December 31, 2021, it operated through a network of 19 community banking offices located in Pennsylvania, including 12 offices in Adams county, five offices in York county, one office in Cumberland County, and one office in Franklin County; five community banking offices located in Frederick County; six community banking offices located in Carroll county, Maryland; and loan offices located in Lancaster and York, Pennsylvania, and Hunt Valley, Maryland.The company was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.

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1.b. Last Insights on ACNB

ACNB Corporation's recent performance was driven by robust earnings growth, with net income surging to $14.9 million, or $1.42 diluted earnings per share, in Q3 2025. This exceeded expectations, with earnings beating the Zacks Consensus Estimate of $1.2 per share. A 11.8% increase in quarterly cash dividend to $0.38 per share also underscores the company's confidence in its financial position. The substantial year-over-year growth, with earnings up from $0.84 per share in Q3 2024, highlights improving profitability.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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ACNB (ACNB) Q3 Earnings and Revenues Top Estimates

Oct -23

Source: zacks.com

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ACNB Corporation Reports 2025 Third Quarter Financial Results

Oct -23

Source: globenewswire.com

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ACNB Corporation Announces Fourth Quarter Cash Dividend

Oct -22

Source: globenewswire.com

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Acnb Posts 45% Revenue Jump in Q2

Jul -25

Source: fool.com

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ACNB (ACNB) Q2 Earnings Lag Estimates

Jul -24

Source: zacks.com

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ACNB Corporation Reports 2025 Second Quarter Financial Results

Jul -24

Source: globenewswire.com

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ACNB Corporation Announces Third Quarter Cash Dividend

Jul -24

Source: globenewswire.com

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What Makes ACNB (ACNB) a New Buy Stock

Jul -15

Source: zacks.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (3.00%)

6. Segments

Banking

Expected Growth: 3.0%

ACNB Corporation's 3.0% growth in banking is driven by strategic expansion into new markets, increased commercial lending, and a focus on digital transformation. Additionally, the corporation's strong capital position and disciplined cost management have enabled it to invest in growth initiatives, while maintaining a solid risk profile.

Insurance

Expected Growth: 3.0%

ACNB Corporation's 3.0% insurance growth is driven by increasing demand for protection products, expansion into new markets, and strategic partnerships. Additionally, the company's focus on digitalization and customer experience enhancements has improved sales and retention. Furthermore, a favorable regulatory environment and rising consumer awareness of insurance benefits have also contributed to this growth.

7. Detailed Products

Commercial Banking

ACNB Corporation offers a range of commercial banking services, including cash management, treasury management, and commercial lending, to help businesses manage their finances and achieve their goals.

Retail Banking

ACNB Corporation provides personal banking services, including checking and savings accounts, credit cards, and personal loans, to help individuals manage their finances and achieve their financial goals.

Mortgage Banking

ACNB Corporation offers mortgage banking services, including residential and commercial mortgage lending, to help individuals and businesses finance their real estate needs.

Trust and Investment Services

ACNB Corporation provides trust and investment services, including wealth management, investment management, and fiduciary services, to help individuals and businesses manage their wealth and achieve their long-term goals.

Insurance Services

ACNB Corporation offers insurance services, including property and casualty insurance, life insurance, and employee benefits, to help individuals and businesses manage risk and protect their assets.

8. ACNB Corporation's Porter Forces

Forces Ranking

Threat Of Substitutes

ACNB Corporation operates in a highly competitive industry, and customers have various alternatives to choose from. However, the company's strong brand recognition and customer loyalty mitigate the threat of substitutes.

Bargaining Power Of Customers

ACNB Corporation's customers have limited bargaining power due to the company's diversified customer base and lack of concentration. The company's strong relationships with customers also reduce the bargaining power of individual customers.

Bargaining Power Of Suppliers

ACNB Corporation's suppliers have moderate bargaining power due to the company's dependence on a few key suppliers. However, the company's strong relationships with suppliers and its ability to negotiate favorable terms mitigate the bargaining power of suppliers.

Threat Of New Entrants

The threat of new entrants is low due to the high barriers to entry in the banking industry, including regulatory hurdles and the need for significant capital investments. ACNB Corporation's established brand and customer base also make it difficult for new entrants to gain traction.

Intensity Of Rivalry

The banking industry is highly competitive, and ACNB Corporation faces intense rivalry from established players. The company's ability to differentiate itself through its customer service and community involvement helps to mitigate the intensity of rivalry.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 47.69%
Debt Cost 3.95%
Equity Weight 52.31%
Equity Cost 6.85%
WACC 5.47%
Leverage 91.18%

11. Quality Control: ACNB Corporation passed 4 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
Bank First

A-Score: 6.8/10

Value: 3.4

Growth: 6.6

Quality: 7.6

Yield: 6.0

Momentum: 9.5

Volatility: 7.7

1-Year Total Return ->

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Stock-Card
Citizens & Northern

A-Score: 6.6/10

Value: 6.0

Growth: 4.9

Quality: 7.4

Yield: 8.0

Momentum: 5.0

Volatility: 8.3

1-Year Total Return ->

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Stock-Card
Hawthorn Bancshares

A-Score: 6.2/10

Value: 6.1

Growth: 5.2

Quality: 6.0

Yield: 5.0

Momentum: 8.5

Volatility: 6.7

1-Year Total Return ->

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Stock-Card
Flushing Financial

A-Score: 5.6/10

Value: 8.3

Growth: 2.7

Quality: 3.9

Yield: 10.0

Momentum: 3.5

Volatility: 5.3

1-Year Total Return ->

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Stock-Card
ACNB

A-Score: 5.6/10

Value: 4.5

Growth: 5.2

Quality: 5.8

Yield: 6.0

Momentum: 5.0

Volatility: 7.0

1-Year Total Return ->

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Stock-Card
BayFirst

A-Score: 4.9/10

Value: 9.3

Growth: 7.3

Quality: 5.9

Yield: 4.0

Momentum: 1.0

Volatility: 2.0

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

49.16$

Current Price

49.16$

Potential

-0.00%

Expected Cash-Flows