ACNB Corporation — Earnings Quality Grade F
ACNB · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 40.0%, CFFO 34.8%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 12.1% vs revenue 40.0%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.45. Profits backed by cash
FCF $0.1B, FCF/NI = 1.42
Accruals ratio = -0.5%. Low accruals
Cash $0.1B covers only 22% of debt $0.3B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 21% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles surged 67% YoY
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
ACNB Corporation is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25