(ACNB) ACNB - Ratings and Ratios

ACNB Corporation, a financial holding company established in 1857 and headquartered in Gettysburg, Pennsylvania, provides a comprehensive suite of banking, insurance, and financial services tailored to individuals, businesses, and government entities across the United States. The companys deposit offerings include checking, savings, and money market accounts, as well as time deposits and debit cards. Its lending portfolio encompasses commercial loans such as mortgages, construction loans, and agricultural loans, alongside consumer loans for home equity, automobiles, and manufactured housing. Additionally, ACNB offers mortgage lending programs for residential and investment properties. The company also provides trust and investment management services, including testamentary trusts, custodial accounts, and retail brokerage services, positioning itself as a trusted fiduciary for asset management and distribution. Furthermore, ACNB offers a range of insurance products, including property, casualty, health, and life insurance, and provides digital banking solutions such as online, mobile, and telephone banking, complemented by ATM services. With a strong focus on community banking, ACNB has built a reputation for personalized service and financial stewardship.

Over the next three months, ACNB Corporations stock is expected to show moderate stability with potential for slight upward movement. From a technical perspective, the stock is currently trading at $40.79, slightly below its 20-day SMA of $40.94 but above its 50-day SMA of $40.53, indicating a neutral short-term trend. The 200-day SMA of $39.66 suggests long-term bullish momentum. The Average True Range (ATR) of 1.16 indicates moderate volatility, with potential price fluctuations within a $1.16 range around the current price. Based on these indicators, the stock may consolidate near current levels before attempting a breakout above $41.50, with support likely at $39.50.

From a fundamental perspective, ACNBs valuation metrics suggest a stable outlook. The market cap of $432.25 million reflects its established presence in regional banking. The trailing P/E of 10.94 and forward P/E of 9.43 indicate reasonable valuation relative to earnings, with potential for multiple expansion if earnings exceed expectations. The P/B ratio of 1.42 aligns with industry norms for regional banks, and the P/S ratio of 3.89 reflects its revenue generation capabilities. The return on equity (RoE) of 9.57% highlights efficient profitability. Overall, ACNB is well-positioned for steady performance, supported by its diversified financial services and strong balance sheet.