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ACNB

ACNBD
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
ACNB outperforms as margins stabilize and localized loan growth resumes; earnings beat cycles drive multiple expansion toward the high end of analyst targets.
Posture
Defensive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.2.
What can break
Deposit pressure or runs
Momentum
73
Value
47
Sentiment
46
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $54.27 · Bull $59.85 · Bear $48.66Analysis 2026-01-24; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-28 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-24 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-10-28

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-28. Definitions

Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $70.33
Why
Momentum73 · Δ7d +6.5
Value47 · Δ7d -0.2
Sentiment46 · Δ7d -1.7
So what
Weak posture (Net Neutral). Prioritize risk control and patience.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -0.2.

Contradictions & invalidation

  • • Deposit pressure or runs
  • • Prolonged NIM compression
  • • NIM compression or localized credit deterioration leads to downside below current levels; limited liquidity or a regional economic slowdown could trigger multiple contraction.

Catalyst clock

2026-03-31

Analyst target revisions / consensus updates

Lead driver: Value · See fundamentals
Momentum
73
8% active weight
Current posture
7d trendSoftening
Δ7d
+6.5
Δ21d
-2.1
Value
47
47% active weight
Current posture
7d trendFlat
Δ7d
-0.2
Δ21d
-0.4
Sentiment
46
45% active weight
Current posture
7d trendSoftening
Δ7d
-1.7
Δ21d
-6.3
Why this grade

Composite grade D. Momentum 73.3 / Value 46.9 / Sentiment 46.1

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-01-24. Scenario method

B+
Bull case
25%
Probability
Target price
$59.85
Analysis reference price unavailable
Analysis 2026-01-24 · RankAlpha Sentiment AI
Most likely
B
Base case
55%
Probability
Target price
$54.27
Analysis reference price unavailable
Analysis 2026-01-24 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$48.66
Analysis reference price unavailable
Analysis 2026-01-24 · RankAlpha Sentiment AI
Fundamentals (TTM)
As of 2026-10-27
Market Cap
$664M
Beta
0.87
Shares Out
10.17M
P/E (TTM)
14.8
P/S (TTM)
3.56
P/FCF (TTM)
15.65
Rev YoY
+4.5%
EPS YoY
+34.1%
Gross Margin
-
Op Margin
+34.5%
Net Debt
$303.96M
Current Ratio
0.04
As of 2026-10-28 • Updated nightlySource: Internal modelMethods & Data