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ACNB Corporation (ACNB) 12-Month Stock Forecast & Price Target Cone

$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.

📊 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) →

ROARABLE B- • BUY Cap $667.0M

📤 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 2026-11-02, 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 $667.0M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, ACNB ranks #105 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 CCB and WCCB 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, CCB (Coastal Financial Corporation) holds a D+ grade (52/100 RQD, P/E 14.2x, ROIC 9.6%, cap $667.4M) and WCCB (West Coast Community Bancorp) posts a C- grade (60/100 RQD, P/E N/A, ROIC —, cap $665.8M). Among the 5-stock peer group, CCB leads on earnings multiple (14.2x) while RRBI leads on capital efficiency (11.7% 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: ±4.2%

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 (62.3) create a -7 pt regime headwind

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

Q1 (-3Q)

Grade C+$62.71+0.3% Next Q

Q2 (-2Q)

Grade B-$62.89+3.3% Next Q

Q3 (-1Q)

Grade B-$64.99+0.6% 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 ($64.16) or 200D SMA ($56.81) 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 →

INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your ACNB Position Size: $10,000

Shares at $65.40: 152.9 sh

$1,000$10,000$25,000$50,000$100,000

12M Bear Case FloorTarget $53.63

$8,200

$-1,800 (-18.0%)

12M Consensus BaseTarget $69.23

$10,586

+$586 (+5.9%)

12M Bull Case BreakoutTarget $81.69

$12,491

+$2,491 (+24.9%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (34 Desks)

Street Historical Accuracy: 64/100

● Strong Buy / Buy: 23● Hold: 9● Sell: 2

Wall Street Firm	Stance	12M Target	1Y Accuracy	Track Grade
Morgan StanleyInstitutional Equity Desk	OUTPERFORM	$72	74%	A
Goldman SachsSector Coverage Lead	BUY	$77	69%	B
JP MorganUS Large-Cap Research	HOLD	$61	58%	C

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

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

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

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

2026-11-02O $65.12H $65.59L $65.12C $65.40VOL 58.2K

RES: $65.96SUP: $62.05SMA50: $64.16SMA200: $56.81

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

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 #105 of 1096 ⚔️ CCB vs ACNB Full Matrix →

1. Head-to-Head Financials Peer Comparison (ACNB vs. CCB, WCCB, CARE, RRBI)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, ACNB Corporation (ACNB) ranks #105 by composite RQD confidence (71/100, grade B-) and #640 by equity capitalization ($667.0M). Within this direct 5-issuer industry benchmark cohort, CCB leads on earnings valuation at 14.2x trailing P/E, while RRBI leads on capital efficiency and profitability with 11.7% ROIC and — gross margin. ACNB currently leads its immediate peer cohort in composite quantitative strength 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%	$667.0M	Benchmark Subject
CCB Coastal Financial Corporation	D+	52/100	14.2x	—	9.6%	-0.85%	$667.4M	/ccb-vs-acnb →
WCCB West Coast Community Bancorp	C-	60/100	—	—	—	+0.06%	$665.8M	/wccb-vs-acnb →
CARE Carter Bankshares Inc.	C	62/100	21.1x	—	7.5%	-2.98%	$662.5M	/care-vs-acnb →
RRBI Red River Bancshares Inc.	C+	68/100	15.7x	—	11.7%	+1.19%	$672.2M	/rrbi-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 CCB and WCCB 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 +1.93% above its 50-day simple moving average ($64.16) and +15.12% above its 200-day simple moving average ($56.81). Across its 52-week range of $42.60 to $67.60, ACNB sits at the 91.2% percentile with a 14-day RSI of 62.3 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.2% ($62.65 to $68.15).

ACNB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is ACNB's 12-month stock price target?

ACNB Corporation (ACNB) carries a 12-month consensus base price target of $69.23 (+5.9% from $65.40), with a bull-case target of $81.69 and a bear-case floor of $53.63.

Is ACNB stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates ACNB B- (Buy — BUY) with an RQD Confidence score of 71/100.

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