ACNB Corporation (ACNB) vs Donegal Group Inc. (DGICA)
A side-by-side comparison of ACNB Corporation and Donegal Group Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — ACNB vs DGICA
growth of $100 · dividends reinvested · last 10yACNB vs DGICA: by the numbers
- •DGICA is the larger company ($670M vs $651M market cap).
- •DGICA trades at the lower trailing earnings multiple (9.19 vs 12.09 P/E), one valuation lens rather than an overall verdict.
- •ACNB converts more revenue to profit (27.30% vs 7.38% net margin).
- •ACNB grew revenue faster over the past five years (13.63% vs 3.86% CAGR).
- •DGICA pays the higher dividend yield (4.11% vs 3.29%).
Metrics side by side
Valuation
| Metric | ACNB | DGICA |
|---|---|---|
| P/E ratio | 12.09 | 9.19 |
| Forward P/E | 11.26 | 10.11 |
| PEG ratio | 1.09 | 2.58 |
| P/S ratio | 3.25 | 0.70 |
| P/B ratio | 1.54 | 1.01 |
Profitability
| Metric | ACNB | DGICA |
|---|---|---|
| Operating margin | 34.31% | 9.10% |
| Net margin | 27.30% | 7.38% |
| ROE | 12.90% | 10.67% |
ACNB Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Donegal Group Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | ACNB | DGICA |
|---|---|---|
| Dividend yield | 3.29% | 4.11% |
| Payout ratio | 39.85% | 37.88% |
Growth (annualized)
| Metric | ACNB | DGICA |
|---|---|---|
| Revenue CAGR (5Y) | 13.63% | 3.86% |
| EPS CAGR (5Y) | 11.13% | 4.28% |
| Total return CAGR (5Y) | 21.57% | 9.25% |
Frequently asked
- Which has the lower trailing P/E, ACNB or DGICA?
- DGICA has the lower trailing P/E: ACNB trades at 12.09 and DGICA at 9.19. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, ACNB or DGICA?
- Over the past five years, ACNB grew revenue faster — ACNB at a 13.63% CAGR versus DGICA at 3.86%.
- Does ACNB or DGICA pay a bigger dividend?
- ACNB yields 3.29% and DGICA yields 4.11% based on trailing dividends and the latest price.
- Is ACNB or DGICA more profitable?
- ACNB runs the higher net margin — ACNB at 27.30% versus DGICA at 7.38%.
- How have ACNB and DGICA total returns compared?
- Over the past 10 years, ACNB delivered 12.71% and DGICA delivered 5.43% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
ACNB & Donegal appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.