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ACNB Corporation

ACNB

CIK 0000715579 · Quarterly mode · latest period FY2025 (Q4) (ending 2025-12-31) · sourced from SEC EDGAR

At a glance · FY2025 (Q4)

Revenue
$47M
↑+42.2% +$14Mvs FY2024 (Q4)
Operating Income
$45M
↑+40.1% +$13Mvs FY2024 (Q4)
Net Income
$11M
↑+63.8% +$4Mvs FY2024 (Q4)
Gross Profit
$47M
↑+42.2% +$14Mvs FY2024 (Q4)

Quality Score

Quality score

6-dimension fundamental snapshot · latest annual filed values · S&P 500 calibration

Poor
28/100
  • Profitability
    0Insufficient data
  • Liquidity
    0Insufficient data
  • Leverage
    70D/E 0.61 (under 0.5 = conservative)
  • Efficiency
    0Asset Turnover 0.07x (1.0+ = capital-efficient)
  • Growth
    100Revenue YoY +42.2% (10% = solid, 25%+ = elite)
  • Margin Trend
    0Insufficient data

Calibrated to S&P 500 medians. Each sub-score is computed from a single CFA-grade ratio (Profitability = ROIC, Liquidity = Current Ratio, Leverage = D/E, Efficiency = Asset Turnover, Growth = Revenue YoY, Margin Trend = 4Q operating-margin avg vs prior 4Q). Overall = simple mean.

DCF intrinsic value

DCF intrinsic value

two-stage Gordon model

Project ACNB's free cash flow forward, discount back at your hurdle rate, divide by diluted shares. Edit the assumptions to see how sensitive the intrinsic value is.

12%

Trailing 3-yr CAGR was 12.0%

10%

10% is a common all-equity benchmark for US large-caps

2.5%

Should be ≤ long-run GDP growth (~2.5% nominal)

5

5-year explicit projection + perpetuity terminal

Intrinsic value per share
$103.37
Total enterprise IV
$1.06B
Diluted shares
0.01B
Terminal PV
$786M (74% of total)
Year-5 FCF
$93M
YearProjected FCFDiscounted PV
+1$59M$54M
+2$66M$54M
+3$74M$55M
+4$83M$56M
+5$93M$58M
Terminal$1.27B$786M

DCF outputs are HIGHLY sensitive to growth + WACC assumptions. A 1pp WACC change can shift IV by 20%+. Use this as a sanity-check vs market price, not a target — and always cross-check the underlying FCF source (EDGAR cashflow statement, latest annual). Margin of safety convention: 30-50% discount to IV before buying.

Capital allocation · trailing 4 quarters

how the company spent its cash
Capex (TTM)
$1M
investment in PP&E
Dividends paid (TTM)
$14M
cash returned to holders
Stock buybacks (TTM)
$11M
share count reduction

Balance sheet · 2025-12-31

latest filed snapshot
Total assets
$3.23B
everything owned
Total liabilities
$2.81B
everything owed
Stockholders' equity
$420M
shareholder claim
Net debt
$190M
LT debt minus cash

Recent performance · 63 quarters

Revenue↑+42.2% +$14M
$47M
Net Income↑+63.8% +$4M
$11M
Free Cash Flow↑+135.9% +$7M
$13M

Drill down

ACNB Sankey

See ACNB Corporation's revenue flow into every line item of the income statement and balance sheet — every dollar accounted for, with prior-period comparison.

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ACNB Charts

63 quarters of historical line items — Income, Cash Flow, Balance Sheet, plus margins. Click any chart for the trend dialog.

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ACNB Key Metrics

EPS, BVPS, FCF/Share, ROE, ROA, ROIC, D/E, Current Ratio, Quick Ratio, Asset Turnover — 10 CFA-grade fundamentals derived from EDGAR data.

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