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ACNB Corp. Quality Score

ACNB

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Quality71

Growth remains strong (avg 100/100), but business quality is pulling the composite down (avg 45/100).

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
90/100
12.7x

Under 20x, reasonable relative to earnings

Price / Book
90/100
1.62x

1.6x book, reasonable for a financial

Revenue Growth
100/100
16.6%

Above 10% CAGR, strong compounder

Book Value Growth
100/100
13.4%

Above 8% book-value compounding, strong

Business Quality & Capital Allocation

Share Dilution
0/100
18.4%

Heavy dilution above 5%

Return on Equity
80/100
12.9%

10–15%, healthy ROE

Capital Adequacy
100/100
12.8%

12.8% equity/assets, well-capitalized

Margin Trend
0/100
-5.7pp

Net margin compressed >2pp, profitability pressure

ACNB (ACNB) quality: score, margins and returns

ACNB (ACNB) scores 71/100 on Intrinsiqq's quality score (a solid business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.

Frequently asked

Is ACNB (ACNB) a high-quality business?+

ACNB scores 71 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a solid business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does ACNB's quality score measure?+

Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from ACNB's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where ACNB scores well and where it falls behind.

How profitable is ACNB?+

ACNB runs a net margin of about 27.1%. Revenue has grown at roughly 19.7% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.

How the market compares: US profitability statistics

SourceQuality score computed from the 10-Q filed 30 Jul 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 2 Oct 2026. How this is calculated.

Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.

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Held by ETFs

ACNB is in 18 US ETFs. The largest of them, with ACNB's weight in each:

Spot a number that looks wrong? Check it in ACNB's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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Not financial advice. Analytical data for research only.

Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.