Profitability
Weight: 25%
B-
68
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 60.7%
- Efficiency Ratio Trend -0.94 pp/yr
ACNB
ACNB Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
C-
48
- 5yr Avg ROE 11.1%
- 5yr Share-Count CAGR 3.6%
Growth Quality
Weight: 15%
A-
81
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 10.1%
- Efficiency Ratio Trend (growth quality check) -0.94 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
C+
57
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.05
Balance Sheet
Weight: 20%
A
89
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 13.0%
Stability
Weight: 10%
C+
61
- EPS Volatility (σ/μ) 0.32
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.Not enough curated-guru data to call a flow.
- Cooperman sold -100%