ACNB Corporation cash flow to debt ratio of 16.30% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

ACNB Corporation's free cash flow has increased 35.41% from $38.82M last year to $52.57M, signaling increasing performance

ACNB Corporation's debt to equity ratio is 0.77, which means that the company's assets are unhealthy financed, signaling financial risk.

ACNB Corporation's debt has decreased relative to shareholder equity from 0.90 last year to 0.77 today, signaling strengthened financials

ACNB Corporation has a net debt to EBITDA ratio of 5.80x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

ACNB Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

ACNB Corporation's profit margin has increased (13.34%) in the last year from 24.09% to 27.30%, signaling increasing performance

ACNB Corporation's short-term liabilities of $64.74M exceed its short-term assets of $20.61M, signaling financial risk

ACNB Corporation's return on assets of 1.64% is lower than the 5.00% threshold, indicating inefficient asset utilization

ACNB Corporation's return on equity of 13.02%, is lower than 15.00%, indicating bad performance

ACNB Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

ACNB Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

ACNB Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

ACNB Corporation has a free cash flow yield of 8.11%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

ACNB Corporation's yearly earnings has increased 16.34% since last year from $31.85M to $37.05M, signaling increasing performance

ACNB Corporation's yearly revenue has increased 45.10% since last year from $132.19M to $191.82M, signaling increasing performance

ROIC 1.64% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

ACNB Corporation's 3-year revenue CAGR of 16.26% is positive, indicating growing revenue over the past 3 years

ACNB Corporation had revenue growth in 4 out of 5 years, indicating consistent revenue performance

ACNB Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

ACNB Corporation is overvalued relative to its fair value price of 60.34 based on Discounted Cash Flow model

ACNB Corporation has an earnings yield of 8.45%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

ACNB Corporation is overvalued relative to its fair value price of 6.18 based on EBITDA multiple model

ACNB Corporation has an EV/EBITDA ratio of 17.99x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

ACNB Corporation is undervalued relative to its fair value price of 111.92 based on Earnings Fair Value model

ACNB Corporation has a PEG-ratio over 1 which is considered overvalued

ACNB Corporation has a price-to-book ratio of 1.53x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

ACNB Corporation has a price-to-sales ratio of 3.23x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue