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Upturn AI SWOT - About
ACNB 
ACNB Corporation (ACNB)
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Upturn Advisory Summary
04/01/2025: ACNB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -3.57% | Avg. Invested days 47 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 433.94M USD | Price to earnings Ratio 11.03 | 1Y Target Price 48 |
Price to earnings Ratio 11.03 | 1Y Target Price 48 | ||
Volume (30-day avg) 43771 | Beta 0.64 | 52 Weeks Range 29.57 - 49.98 | Updated Date 04/1/2025 |
52 Weeks Range 29.57 - 49.98 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.11% | Basic EPS (TTM) 3.73 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.66% | Operating Margin (TTM) 36.66% |
Management Effectiveness
Return on Assets (TTM) 1.32% | Return on Equity (TTM) 10.97% |
Valuation
Trailing PE 11.03 | Forward PE 9.75 | Enterprise Value 660599872 | Price to Sales(TTM) 3.91 |
Enterprise Value 660599872 | Price to Sales(TTM) 3.91 | ||
Enterprise Value to Revenue 6.53 | Enterprise Value to EBITDA - | Shares Outstanding 10542700 | Shares Floating 10160242 |
Shares Outstanding 10542700 | Shares Floating 10160242 | ||
Percent Insiders 4.06 | Percent Institutions 30.33 |
Analyst Ratings
Rating 4.33 | Target Price 47.67 | Buy - | Strong Buy 2 |
Buy - | Strong Buy 2 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
ACNB Corporation
Company Overview
History and Background
ACNB Corporation was founded in 1857 as the Adams County National Bank. It has grown organically and through acquisitions to become a financial holding company providing banking and financial services in Pennsylvania and Maryland.
Core Business Areas
- Community Banking: Provides a range of banking services to individuals and businesses, including deposit accounts, loans, and other financial services. Focuses on building local relationships.
- Wealth Management: Offers trust, investment management, and insurance services. Provides financial planning and retirement solutions for individuals and businesses.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes various departments responsible for banking operations, lending, wealth management, and support functions.
Top Products and Market Share
Key Offerings
- Commercial Lending: Provides loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is regional and varies. Competitors include large national banks and other regional banks.
- Residential Mortgages: Offers mortgage loans for home purchases and refinancing. Market share data is regional and varies. Competitors include large mortgage lenders and other regional banks.
- Wealth Management Services: Offers wealth management services to individuals, families and businesses. Competitors include other regional wealth management firms, investment brokerages, and other wealth management firms.
Market Dynamics
Industry Overview
The banking industry is highly competitive and regulated, with increasing pressure from fintech companies and evolving customer expectations. Interest rate fluctuations and economic conditions significantly impact profitability.
Positioning
ACNB Corporation positions itself as a community-focused bank, emphasizing personalized service and local decision-making. Its competitive advantages include strong local relationships and a stable customer base.
Total Addressable Market (TAM)
The TAM for banking services in Pennsylvania and Maryland is estimated to be in the billions of dollars. ACNB Corporation is positioned to capture a share of this market through its branch network and digital banking offerings.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Stable customer base
- Diversified revenue streams
- Sound asset quality
Weaknesses
- Limited geographic reach
- Lower brand recognition compared to larger banks
- Reliance on traditional banking model
- Vulnerable to interest rate fluctuations
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growth in wealth management services
- Acquisition of smaller banks
- Investment in fintech solutions
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- FULT (Fulton Financial Corporation)
- CFBK (Central Federal Corporation)
- CVLY (Codorus Valley Bancorp, Inc.)
Competitive Landscape
ACNB Corporation competes with larger regional and national banks, as well as smaller community banks. Its advantages include strong local relationships, while its disadvantages include limited geographic reach.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Growth trends are unavailable without specific access to financial databases.
Future Projections: Projections are unavailable without specific access to analyst estimates.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion of wealth management services.
Summary
ACNB Corporation is a community-focused bank with a strong local presence and stable customer base. Its diversified revenue streams and experienced management team contribute to its success. However, it faces challenges from larger competitors and the evolving banking landscape. Investment in digital banking and expansion into new markets are important for future growth.
Similar Companies
- FULT
- CVLY
- CFBK
Sources and Disclaimers
Data Sources:
- Public filings, company website, industry reports (where data is available).
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Financial data is based on assumptions and publicly available information.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About ACNB Corporation
Exchange NASDAQ | Headquaters Gettysburg, PA, United States | ||
IPO Launch date 1996-01-02 | President, CEO & Director Mr. James P. Helt | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 391 | Website https://www.acnb.com |
Full time employees 391 | Website https://www.acnb.com | ||
ACNB Corporation, a financial holding company, offers 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 offers 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 wealth management and retail brokerage and 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 personal clients; and online, telephone, and mobile banking, as well as automated teller machine services. ACNB Corporation was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.
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