ACNB Corporation (ACNB) vs Farmers National Banc Corp. (FMNB)
A side-by-side comparison of ACNB Corporation and Farmers National Banc Corp. 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 FMNB
growth of $100 · dividends reinvested · last 10yACNB vs FMNB: by the numbers
- •FMNB is the larger company ($683M vs $654M market cap).
- •FMNB trades at the lower trailing earnings multiple (10.66 vs 12.16 P/E), one valuation lens rather than an overall verdict.
- •ACNB converts more revenue to profit (27.30% vs 20.84% net margin).
- •ACNB grew revenue faster over the past five years (13.63% vs 13.43% CAGR).
- •FMNB pays the higher dividend yield (4.52% vs 3.29%).
Metrics side by side
Valuation
| Metric | ACNB | FMNB |
|---|---|---|
| P/E ratio | 12.16 | 10.66 |
| Forward P/E | 11.32 | 9.76 |
| PEG ratio | 1.10 | N/A |
| P/S ratio | 3.27 | 2.39 |
| P/B ratio | 1.55 | 0.87 |
Profitability
| Metric | ACNB | FMNB |
|---|---|---|
| Operating margin | 34.31% | 25.27% |
| Net margin | 27.30% | 20.84% |
| ROE | 12.90% | 7.61% |
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.
Farmers National Banc Corp.: 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 | FMNB |
|---|---|---|
| Dividend yield | 3.29% | 4.52% |
| Payout ratio | 39.85% | 47.92% |
Growth (annualized)
| Metric | ACNB | FMNB |
|---|---|---|
| Revenue CAGR (5Y) | 13.63% | 13.43% |
| EPS CAGR (5Y) | 11.13% | -0.27% |
| Total return CAGR (5Y) | 21.57% | 3.03% |
Frequently asked
- Which has the lower trailing P/E, ACNB or FMNB?
- FMNB has the lower trailing P/E: ACNB trades at 12.16 and FMNB at 10.66. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, ACNB or FMNB?
- Over the past five years, ACNB grew revenue faster — ACNB at a 13.63% CAGR versus FMNB at 13.43%.
- Does ACNB or FMNB pay a bigger dividend?
- ACNB yields 3.29% and FMNB yields 4.52% based on trailing dividends and the latest price.
- Is ACNB or FMNB more profitable?
- ACNB runs the higher net margin — ACNB at 27.30% versus FMNB at 20.84%.
- How have ACNB and FMNB total returns compared?
- Over the past 10 years, ACNB delivered 12.71% and FMNB delivered 7.40% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
ACNB & Farmers National Banc 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.