ACNB

ACNB · NASDAQ

$63.59+$0.70 (+1.11%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $62.89

ACNB analyst rating

BuyConsensus of 2 analysts over the last 12 months. 50% rate it a buy.

Strong buy0
Buy1
Hold1
Underperform0
Sell0

12-month price target · 5 analysts

Average $66.30 (+4.3% upside)

Low: $57.57
Now: $63.59
High: $74.55

Upgrades and downgrades

The latest rating actions, newest first

ACNB analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Piper Sandler	Jun 26, 2026	Maintains	Overweight	$58.00 → $65.00	68%
Hovde Group	May 27, 2026	Downgrade	Outperform → Market Perform	$56.00 → $57.00	66%
Piper Sandler	Apr 28, 2026	Maintains	Overweight	$57.00 → $58.00	68%
Piper Sandler	Oct 30, 2025	Maintains	Overweight	$50.00 → $52.00	68%

The case for and against

Updated Oct 31, 2024

Bull case

ACNB Corp has exhibited a solid upward trend in its financial performance, with end-of-period loan balances increasing by 2.3% sequentially, underscoring growth in the commercial real estate segment where further potential exists. The corporation has maintained a robust funding profile, achieving a total cost of deposits of only 0.19% in the third quarter, alongside an impressive 11% annualized loan growth, resulting in an improved loan-to-deposit ratio of 83%. Additionally, the upward revisions in earnings per share estimates for 2024 and 2025 further hint at a positive earnings trajectory, elevating the company's valuation in line with its increased profitability outlook.

Bear case

ACNB Corp's financial outlook appears negative due to a decline in key performance metrics, notably a drop in the Net Interest Margin (NIM), which fell to 3.77%, exceeding prior expectations of only a minor decrease. Additionally, the Total Equity Capital (TCE) ratio decreased by 10 basis points to 8.65%, indicating potential vulnerability in capital stability and future growth. Concurrently, the persistence of declining deposit balances over the past seven quarters raises concerns about the company's competitive position and ability to attract and retain low-cost funding.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.