Offers checking, savings, and money market deposit accounts. Provides commercial lending products, including mortgages and construction loans. Now — the numbers.
Revenue is spread across several business lines; no single line carries the company.
This is an established company with proven profits.
Average growth of 14% a year over the last 4 years. Every year shown ended in profit.
The market pays 18× for every dollar of annual profit — around what a business like this usually costs.
Against companies in its own sector, it looks cheaper than 89% of them.
Analysts' average target sits 6% below today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
There is growth, but not at top-of-the-class tempo.
The stock has been running stronger than the market lately.
No real weak spot in any of the five subjects — a balanced report card.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 22% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 14% a year on average.
Over the last 12 months, company executives reported 49 buys and 21 sells. Management buying with its own money is usually read as a good sign.
Our checks did not surface a specific risk to flag here. That is not the same as there being none.
On our five-subject report card, ACNB sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: ACNB is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.