ACNB CORP
Qualité des données : 100%
ACNB
Nasdaq
Financial Services
Depository Institutions
51,22 €
▼
0,64 €
(-1,23%)
Cap. Boursière: 537,41 M
Prix
51,75 €
Cap. Boursière
537,41 M
Fourchette du Jour
—
Fourchette 52 Semaines
—
Volume
—
Ouverture —
Moyenne 50J / 200J
—
Moyenne 50J / 200J
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Quick Summary
Points Clés
Earnings grew 16,34% over the past year
Net margin of 19,32% shows strong profitability
Generating 52,57 M in free cash flow
P/E of 14,50 — trading at a low valuation
Cash machine — converts 141,88% of earnings into free cash flow
Capital efficient — spends only 0,56% of revenue on capex
Croissance
Revenue Growth (5Y)
N/A
Revenue (1Y)45,10%
Earnings (1Y)16,34%
FCF Growth (3Y)15,46%
Qualité
Return on Equity
9,22%
En dessous de la moyenne du secteur (9,24%)
ROICN/A
Net Margin19,32%
Op. MarginN/A
Sécurité
Debt / Equity
0,82
Au-dessus de la moyenne du secteur (0,49)
Current RatioN/A
Interest CoverageN/A
Valorisation
PE (TTM|2027)
14,50 | 10,01
Au-dessus de la moyenne du secteur (11,14)
P/B Ratio1,32
EV/EBITDAN/A
Dividend YieldN/A
Historique des Prix
Tendances Financières
Comparaison Sectorielle
vs médiane du secteur Financial Services (2180 pairs)
Comparaison Sectorielle
vs médiane du secteur Financial Services (2180 pairs)| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | 14,5 | 11,1 |
| P/B | 1,3 | 1,2 |
| ROE % | 9,2 | 9,2 |
| Net Margin % | 19,3 | 9,4 |
| Rev Growth 5Y % | — | 5,8 |
| D/E | 0,8 | 0,5 |
Objectif de Cours des Analystes
3 analystes
Buy
Actuel
51,22 €
Objectif
56,67 €
56,00 €
57,00 €
57,00 €
Prévisions
P/E Prévisionnel
9,91
BPA Prévisionnel
5,17 €
Croissance BPA (est.)
+1,1%
CA Est.
166,16 M
Estimations de Bénéfices
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| FY2027 |
5,17 €
4,94 € – 5,43 €
|
166,16 M | 4 |
| FY2026 |
5,11 €
4,90 € – 5,38 €
|
163,12 M | 4 |
| Période | BPA Est. | CA Est. | Analystes |
|---|---|---|---|
| 2026 Q2 |
1,32 €
1,28 € – 1,40 €
|
41,07 M | 4 |
| 2026 Q1 |
1,25 €
1,20 € – 1,29 €
|
39,97 M | 4 |
Surprises de Résultats
Derniers 4 trimestres
| Trimestre | BPA Est. | BPA Réel | Surprise |
|---|---|---|---|
| Q42025 | 1,24 € | 1,35 € | +9,3% |
| Q32025 | 1,18 € | 1,44 € | +21,7% |
| Q22025 | 1,15 € | 1,25 € | +8,8% |
| Q12025 | 0,93 € | 0,79 € | -15,0% |
All Fundamental Metrics
All Fundamental Metrics
| Growth | |||
| Revenue Growth (1Y) | 45,10% | Revenue Growth (3Y) | N/A |
| Earnings Growth (1Y) | 16,34% | Earnings Growth (3Y) | 8,13% |
| Revenue Growth (5Y) | N/A | Earnings Growth (5Y) | 7,41% |
| Profitability | |||
| Revenue (TTM) | 191,82 M | Net Income (TTM) | 37,05 M |
| ROE | 9,22% | ROA | 1,14% |
| Gross Margin | N/A | Operating Margin | N/A |
| Net Margin | 19,32% | Free Cash Flow (TTM) | 52,57 M |
| ROIC | N/A | FCF Growth (3Y) | 15,46% |
| Safety | |||
| Debt / Equity | 0,82 | Current Ratio | N/A |
| Interest Coverage | N/A | Asset Turnover | 0,06 |
| Working Capital | N/A | Tangible Book Value | 320,63 M |
| Dividends | |||
| Dividend Yield | N/A | Payout Ratio | N/A |
| Dividend Growth (3Y) | N/A | Dividend Growth (5Y) | N/A |
| Consecutive Div Years | N/A | ||
| Valuation | |||
| P/E Ratio | 14,50 | Forward P/E | N/A |
| P/B Ratio | 1,32 | P/S Ratio | 2,80 |
| PEG Ratio | 1,96 | Forward PEG | N/A |
| EV/EBITDA | N/A | Fwd EV/EBITDA | N/A |
| Forward P/S | N/A | Fwd Earnings Yield | N/A |
| FCF Yield | 9,78% | ||
| Market Cap | 537,41 M | Enterprise Value | 771,11 M |
| Per Share | |||
| EPS (Diluted TTM) | 3,60 | Revenue / Share | 18,47 |
| FCF / Share | 5,06 | OCF / Share | 5,17 |
| EPS CAGR (1Y) | -3,49% | EPS CAGR (5Y) | N/A |
| EPS CAGR (10Y) | N/A | ||
| Efficiency | |||
| CapEx / Revenue | 0,56% | FCF Conversion | 141,88% |
| SBC-Adj. FCF | N/A | Growth Momentum | N/A |
Income Statement
Annual, most recent first
Income Statement
Annual, most recent first| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 191,82 M | 132,20 M | — | — | — |
| Net Income | 37,05 M | 31,85 M | 31,69 M | 35,75 M | 27,83 M |
| EPS (Diluted) | 3,60 | 3,73 | 3,71 | — | — |
| Gross Profit | — | — | — | — | — |
| Operating Income | — | — | — | — | — |
| EBITDA | — | — | — | — | — |
| R&D Expenses | — | — | — | — | — |
| SG&A Expenses | — | — | — | — | — |
| D&A | 6,74 M | 3,03 M | — | — | — |
| Interest Expense | 40,12 M | 23,85 M | 8,32 M | 3,62 M | 6,92 M |
| Income Tax | 9,40 M | — | — | — | — |
Balance Sheet
Annual, most recent first
Balance Sheet
Annual, most recent first| Metric | FY2025 | FY2023 | FY2024 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Total Assets | 3,23 B | 2,42 B | 2,39 B | 2,53 B | 2,79 B |
| Total Liabilities | 2,81 B | 2,14 B | 2,09 B | 2,28 B | 2,51 B |
| Shareholders' Equity | 419,97 M | 277,46 M | 303,27 M | 245,04 M | 272,11 M |
| Total Debt | 320,12 M | 252,17 M | 271,16 M | 62,95 M | 69,90 M |
| Cash & Equivalents | 65,65 M | 65,96 M | 47,26 M | 168,16 M | 710,13 M |
| Current Assets | — | — | — | — | — |
| Current Liabilities | — | — | — | — | — |
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