ACNB Stock Analysis: Buy, Sell, or Hold?
ACNB - ACNB Corp
$61.20
0.50 (0.82%)
▲
5d:
+2.63%
30d:
+6.96%
90d:
+19.16%
HOLD
MODERATE Confidence
Analysis Updated: Jul 21, 2026 12:00 AM ET
Earnings: Jul 23, 2026
1d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: ACNB is fairly valued with market pricing in 4.2% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: ACNB is fairly valued with market pricing in 4.2% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$61.94
Based on 2.7% avg growth
INTRINSIC VALUE TODAY
$38.46
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ACNB is currently trading at $61.20, which is considered extended relative to its 30-day fair value range of $57.58 to $60.72. From a valuation perspective, the stock is trading at a premium (Forward PE: 11.2) compared to its historical average (9.9). At these levels, the market is pricing in 4.2% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, ACNB is in a strong uptrend. The price is approaching resistance at $62.07. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, ACNB is in a strong uptrend. The price is approaching resistance at $62.07. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$57.58 -
$60.72
Company Quality Score
52/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
47.1%
All Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($59.67)
- NEUTRAL: Market pricing in 4.2% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$57.58 -
$60.72
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$58.00
Resistance Level
$62.07
Current Trend
Strong Uptrend
Technical data as of
Jul 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.17
Wall Street Target
$59.67
(-2.5%)
Revenue Growth (YoY)
42.7%
Earnings Growth (YoY)
34.8%
Profit Margin
32.1%
Valuation Premium vs History
+4.2% premium
PE vs Historical
11.2 vs 9.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+4.2%
(market-implied from PE analysis)
1-Year Target
$63.77
(+4%)
2-Year Target
$66.45
(+9%)
3-Year Target
$69.24
(+13%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$61.35
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.9, Growth: 1.4%)
$119.77
(+96%)
Base:
(SPY PE: 11.2, Growth: 1.4%)
$63.87
(+4%)
Bear:
(PE: 9.5, Growth: 1.4%)
$54.29
(-11%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 12.21 | Current EPS (TTM): $4.95
Bull Case
$73.58
(+21%)
Analyst growth 10.7%, PE expands to 13.4
Base Case
$66.89
(+10%)
Market implied 10.7%, PE stable at 12.2
Bear Case
$41.11
(-32%)
Severe decline -20.0%, PE contracts to 10.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 21, 2026 5:44 PM ET
Data refreshes hourly during market hours. Next update: 6:44 PM
Data refreshes hourly during market hours. Next update: 6:44 PM
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Technical Signals Check
Is ACNB showing a specific setup today?
Insider Activity (6 Months)
1
Buys
2
Sells
Net
INSIDERS SELLING
Recent Transactions
Frank Elsner III
BUY
5 shares
2026-03-13
Kevin J Hayes
SELL
750 shares
2026-02-03
Brett D Fulk
SELL
1486 shares
2026-01-26
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