ACNB Corporation
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from ACNB Corporation's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 79% of Financial Services companies in United States.
Growth Efficiency Ratio
$3Sales grew 45% in 3 years; of every extra $100 of sales, $3 became extra profit.
Lower than 74% of Financial Services companies in United States.
Asset Productivity Ratio
+45% / +28%In 3 years sales changed by +45% while total assets changed by +28%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
97%Of every $100 the company owns, $97 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 58% of Financial Services companies in United States.
Tangible Net Worth Ratio
79%Of every $100 of net worth, $79 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 58% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
ACNB Corporation owes $0.87 for every $1 it owns. Net profit rose 16% in the year to Dec 2025, and grew 1% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
12.4Investors pay $12.4 for every $1 of ACNB Corporation's yearly profit, lower than 52% of Financial Services companies in United States.
P/B ratio
1.57The share price is 1.57 times ACNB Corporation's book value per share, higher than 71% of Financial Services companies in United States.
Market cap
$665 MThe total market value of all of ACNB Corporation's shares at today's price (share price × number of shares), smaller than 52% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$423 MWhat ACNB Corporation would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$41.62Net worth divided by the number of shares. The share price of $65.39 is 1.6 times this, which is the P/B above.
Return on equity (ROE)
13.3%ACNB Corporation earned 13.3% on its shareholders' money over the last year, higher than 69% of Financial Services companies in United States.
Owes vs Owns
0.87×ACNB Corporation owes $0.87 for every $1 it owns (high), higher than 61% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
2.51%ACNB Corporation pays 2.51% of its share price as dividends a year, lower than 57% of dividend-paying Financial Services companies in United States.
Revenue growth
+40%Revenue rose 40% in the year to Dec 2025, and grew 13% a year on average over 3 years.
Profit growth
+16%Net profit rose 16% in the year to Dec 2025, and grew 1% a year on average over 3 years.
Profit margin
24.4%ACNB Corporation keeps $24 of every $100 of revenue as net profit.
Questions
What is ACNB Corporation's P/E ratio?
Investors pay $12.4 for every $1 of ACNB Corporation's yearly profit, lower than 52% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For ACNB Corporation: $665 M ÷ $423 M (30 Jun 2026) = 1.6.
What is ACNB Corporation's return on equity?
ACNB Corporation earned 13.3% on its shareholders' money over the last year, higher than 69% of Financial Services companies in United States.
How much does ACNB Corporation owe compared with what it owns?
ACNB Corporation owes $0.87 for every $1 it owns (high), higher than 61% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does ACNB Corporation pay a dividend?
Yes. ACNB Corporation pays 2.51% of its share price as dividends a year, lower than 57% of dividend-paying Financial Services companies in United States.
Is ACNB Corporation's revenue growing?
Revenue rose 40% in the year to Dec 2025, and grew 13% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.