What is Acnb Corp worth?
With the base-case assumptions below, a discounted cash flow model on Acnb Corp's reported free cash flow gives $156.48 per share. The share price was $66.79 on November 10, 2026, 57% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | 10.0% | 10.0% | $90.25 | +35% |
| Base | 15.0% | 9.0% | $156.48 | +134% |
| Bull | 20.0% | 8.0% | $279.80 | +319% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $206.62 | $222.26 | $241.37 | $265.26 | $295.97 |
| 8.0% | $168.96 | $179.10 | $191.08 | $205.46 | $223.03 |
| 9.0% | $141.55 | $148.48 | $156.48 | $165.81 | $176.84 |
| 10.0% | $120.77 | $125.70 | $131.29 | $137.67 | $145.04 |
| 11.0% | $104.51 | $108.12 | $112.16 | $116.71 | $121.86 |
Where the presets come from
Base: years 1 to 5 grow at Acnb Corp's revenue growth rate over the last 8 fiscal years (174.2% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions