What is ACNB's 12-month price target and RQD AI Jury consensus?

ACNB's 12-month base price target is $69.23 (range $53.63 to $81.69), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Stock Ratings / Financials / ACNB

WCCB (60) CCB (51) BHB (65) CBNK (74) ⌘ Pro Terminal →

ACNB Corporation (ACNB) — RQD Stock Rating Cockpit

Q: Should I buy, hold, or sell ACNB stock right now?

ACNB Corporation (ACNB) currently earns a Roarable Rating of B- (Buy — BUY) with 71/100 RQD Confidence. High-quality cash engine (steady margins, 9% return on capital) with steady institutional support.

$65.40 -0.29% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $65.52

ACNB Corporation (ACNB) earns a Roarable Rating of B- (Buy) with 71/100 RQD Confidence. High-quality cash engine (steady margins, 9% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B- • BUY Cap $665.1M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on ACNB Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is ACNB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, ACNB Corporation (NASDAQ: ACNB) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $65.40 (-0.29% 1D, market cap $665.1M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, ACNB ranks #88 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does ACNB compare to WCCB and CCB in the Financials sector?

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Within the Financials sector (Major Banks), ACNB carries a Roarable B- (71/100 RQD), trailing P/E of 18.0x, gross margin of —, and ROIC of 8.8%. By comparison, WCCB (West Coast Community Bancorp) holds a C- grade (60/100 RQD, P/E N/A, ROIC —, cap $666.2M) and CCB (Coastal Financial Corporation) posts a D grade (51/100 RQD, P/E 14.2x, ROIC 9.6%, cap $661.7M). Among the 5-stock peer group, CBNK leads on earnings multiple (12.0x) while CBNK leads on capital efficiency (14.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for ACNB?

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Per ACNB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000715579), ACNB Corporation generated $191.8M in revenue (+45.1% YoY), $37.1M in net income, and $52.6M in free cash flow against $3.23B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $65.52 (+0.19%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 27.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B-

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+5.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ACNB)Realized 20D OHLCV Swing Band: ±4.1%

Deterministic 5-Pillar Attribution (71/100 Composite)

🔍 WHY ACNB SCORES 71/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (21% of score)

SEC XBRL FY 2025 (10-K): 27.4% FCF Margin ($52.6M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Macro Regime Fit13/20 pts (-7 pt drag)

Macro rate sensitivity & RSI-14 (60.2) create a -7 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$62.71+1.4% Next Q

Q2 (-2Q)

Grade B-$63.59+2.7% Next Q

Q3 (-1Q)

Grade B-$65.29+0.2% Next Q

Current

Grade B-$65.40+6.8% Hist 90D α

Trajectory: C+ (63) → B- (71)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the ACNB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 71/100 (B-) score, ACNB faces multiple-compression risk if 18.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($64.18) or 200D SMA ($56.89) invalidates the momentum regime and cuts Target Base ($69.23) toward Bear Floor ($53.63).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $ACNB• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “ACNB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 71%NO 29%Trade / Inspect Odds →

RSI-14 MOMENTUMBULLISH MOMENTUM

60.230 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

6 / 99-Pt Accounting

52-WEEK LASER RANGE91% OF RANGE

L: $43$65.40H: $68

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 30 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 26 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on ACNB

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (75)

8.8% ROIC with 42.0% gross margin and 7.88% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (72)

30/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like ACNB

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (ACNB Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

ACNB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +25.91%⚡ TESTING RESISTANCE

2026-11-03O $65.59H $65.59L $65.40C $65.40VOL 76.2K

RES: $65.92SUP: $62.11SMA50: $64.18SMA200: $56.89

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ACNB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 ACNB Butterfly Map → + Track ACNB →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

11.2%/yr Implied 5Y Growth

vs. +45.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on ACNB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for ACNB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for ACNB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ACNB)

Financials Rank #88 of 1097 ⚔️ WCCB vs ACNB Full Matrix →

1. Head-to-Head Financials Peer Comparison (ACNB vs. WCCB, CCB, BHB, CBNK)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, ACNB Corporation (ACNB) ranks #88 by composite RQD confidence (71/100, grade B-) and #638 by equity capitalization ($665.1M). Within this direct 5-issuer industry benchmark cohort, CBNK leads on earnings valuation at 12.0x trailing P/E, while CBNK leads on capital efficiency and profitability with 14.2% ROIC and — gross margin. CBNK currently holds the highest overall quantitative score in the immediate peer group at 74/100 (B) compared with ACNB at 71/100 (B-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
ACNB ACTIVE ACNB Corporation	B-	71/100	18.0x	—	8.8%	-0.29%	$665.1M	Benchmark Subject
WCCB West Coast Community Bancorp	C-	60/100	—	—	—	+0.06%	$666.2M	/wccb-vs-acnb →
CCB Coastal Financial Corporation	D	51/100	14.2x	—	9.6%	-0.85%	$661.7M	/ccb-vs-acnb →
BHB Bar Harbor Bankshares Inc.	C	65/100	18.6x	—	6.9%	-1.17%	$678.0M	/bhb-vs-acnb →
CBNK Capital Bancorp Inc.	B	74/100	12.0x	—	14.2%	-0.60%	$679.6M	/cbnk-vs-acnb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000715579 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), ACNB Corporation (ACNB) reported GAAP revenue of $191.8M (+45.1% vs. FY2024 revenue of $132.2M , and +66.7% cumulative change since FY2023) , GAAP net income of $37.1M, operating cash flow of $53.6M, and free cash flow of $52.6M (+35.4% YoY). On the balance sheet, ACNB closed FY2025 with $3.23B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$191.8M	$37.1M	$53.6M	$52.6M	$3.23B	—
FY2024 (FY)	2024-12-31	$132.2M	$31.8M	$39.8M	$38.8M	$2.39B	—
FY2023 (FY)	2023-12-31	$115.1M	$31.7M	$40.6M	$40.6M	—	—

3. ACNB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is ACNB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does ACNB compare to WCCB and CCB in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for ACNB?

Where is ACNB trading relative to its 50-day, 200-day, and 52-week technical levels?

ACNB last traded at $65.40 (-0.29% on volume of 76,166 shares), positioning the stock +1.90% above its 50-day simple moving average ($64.18) and +14.96% above its 200-day simple moving average ($56.89). Across its 52-week range of $42.60 to $67.60, ACNB sits at the 91.2% percentile with a 14-day RSI of 60.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.1% ($62.72 to $68.08).

Direct Sub-Reports: ACNB RQD Cockpit ACNB 12M Forecast ACNB Earnings & Move ACNB Dividends & DRIP ACNB Insiders & 13F ACNB Whale Options ACNB Profit Sankey ACNB News & Why

ROARABLE RATING BRIEF • RQD 71/100 (B-) ✓ SEC XBRL & RQD VERIFIED

ACNB — ACNB Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

ACNB Corporation (ACNB) earns a live Roarable RQD composite score of 71/100, corresponding to a B- letter grade (Roarable Buy) at a spot price of $65.40 (-0.29% 1D, market capitalization $665.1M).

Fundamental Cash Engine (15/20): Anchored by return on invested capital (ROIC) of 8.8%, gross margin of —, operating margin of —, and free cash flow yield of 7.88%.
Whale 13F & Options Flow (14/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

ACNB Corporation (ACNB) is listed on NASDAQ and classified in the Financials sector, Major Banks industry,. The company's reported revenue and net income appear in the financials section below.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), ACNB Corporation (ACNB) reported $191.8M in annual revenue (up from $132.2M in FY2024, +45.1% YoY) and $37.1M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($115.1M revenue, $31.7M net income) through FY2025, ACNB scaled operating cash flow to $53.6M and free cash flow to $52.6M, backed by $3.23B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (B- • RQD 71/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 15/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $42.60 – $67.60 52-week range.
🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 18.0x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), ACNB carries a macro regime beta of 1.00 and gross margin of —.

Key Question #1: Can ACNB sustain or expand its — operating margin and 8.8% ROIC against Major Banks peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $191.8M and free cash flow of $52.6M, how will capital allocation balance growth reinvestment against $0 in total debt?
Key Question #3: How sensitive is ACNB's 15.1x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

ACNB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for ACNB Corporation (ACNB) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to ACNB Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 1d ago

Why ACNB (ACNB) is a Great Dividend Stock Right Now

Yahoo Finance report covering ACNB Corporation (ACNB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Moomoo • 1d ago

Press Release: ACNB Corporation Announces Fourth Quarter of 2026 Regular and Special Cash Dividends

Moomoo report covering ACNB Corporation (ACNB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

ACNB Corporation Estimates – NASDAQ:ACNB

TradingView report covering ACNB Corporation (ACNB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

ACNB: Q3 Earnings Snapshot

Yahoo Finance report covering ACNB Corporation (ACNB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE www.marketscreener.com • 1d ago

ACNB Corporation Declares Special Quarterly Cash Dividend for Fourth Quarter of 2026, Payable on December 15, 2026

www.marketscreener.com report covering ACNB Corporation (ACNB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST GlobeNewswire • 1d ago

ACNB Corporation Reports Record 2026 Third Quarter Financial Results

GlobeNewswire report covering ACNB Corporation (ACNB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST TOKENPOST • 1d ago

ACNB Corporation Raises Quarterly Dividend 9.5% to $0.46 Per Share

TOKENPOST report covering ACNB Corporation (ACNB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

ACNB Corporation (NASDAQ:ACNB) Shareholders to Get $0.75 Special Dividend

MarketBeat report covering ACNB Corporation (ACNB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

ACNB Bull vs. Bear Conversation Board — What's Your Call at $65.40?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON ACNB 🐻 33% BEARISH CONVICTION

BR BreakoutHunter RQD DEBATE OPENER • Swing & Catalyst Trader 🐂 BULLISH 🎯 Target: $78.48 (+20.0%)

📌 Pinned Debate

Insider conviction (16/20) and a 7.88% FCF yield with forward P/E of 15.1 below trailing P/E of 18 point to earnings expected to grow.

Long ACNB at $65.40 targeting $78.48. Insider conviction (16/20) and a 7.88% FCF yield with forward P/E of 15.1 below trailing P/E of 18 point to earnings expected to grow.. Institutional whale score is 14/20 and the risk/reward vs. the $42.60 52-week low is skewed heavily in favor of bulls.

CapAlloc_Nerd 🐂 BULL

@CreditSpread_Watch Fair point on 18.0x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

CR CreditSpread_Watch RQD DEBATE OPENER • Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $50.36 (-23.0%)

Spot @ $65.40

Price of $65.59 sits near the top of its $42.6 – $67.6 52-week range, and the source reports 0% gross and operating margins without exp

Fading this rally in ACNB at $65.40. Price of $65.59 sits near the top of its $42.6 – $67.6 52-week range, and the source reports 0% gross and operating margins without explanation.. With a beta of 1.0 and the stock sitting at $65.40 (52-wk range $42.60–$67.60), the easy multiple expansion is already priced in.