DDM Analysis: ACNB

Valuation Snapshot

Stable Growth	$116.60 - $664.69	$219.45
Multi-Stage	$68.51 - $74.88	$71.64
Blended Fair Value	$145.54
Current Price	$44.04
Upside	230.48%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	9.13%	8.77%	1.09	0.99	0.93	0.91	0.88	0.70	0.64	0.53	0.49	0.49
YoY Growth	-	-	10.42%	6.42%	1.66%	3.26%	25.51%	10.53%	19.64%	8.12%	0.41%	4.28%
Dividend Yield	-	-	2.65%	2.76%	2.85%	2.61%	3.02%	2.35%	1.70%	1.82%	1.71%	2.19%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	32.84
(-) Cash Dividends Paid (M)	12.37
(=) Cash Retained (M)	20.47

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	6.57	4.11	2.46
Cash Retained (M)	20.47	20.47	20.47
(-) Cash Required (M)	-6.57	-4.11	-2.46
(=) Excess Retained (M)	13.90	16.37	18.01
(/) Shares Outstanding (M)	9.83	9.83	9.83
(=) Excess Retained per Share	1.42	1.67	1.83
LTM Dividend per Share	1.26	1.26	1.26
(+) Excess Retained per Share	1.42	1.67	1.83
(=) Adjusted Dividend	2.67	2.92	3.09
WACC / Discount Rate	7.92%	7.92%	7.92%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$116.60	$219.45	$664.69
Upside / Downside	164.76%	398.30%	1,409.29%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	32.84	34.98	37.25	39.67	42.25	45.00	46.34
Payout Ratio	37.66%	48.13%	58.60%	69.07%	79.53%	90.00%	92.50%
Projected Dividends (M)	12.37	16.83	21.83	27.40	33.60	40.50	42.87

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.92%	7.92%	7.92%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	15.45	15.60	15.75
Year 2 PV (M)	18.39	18.74	19.09
Year 3 PV (M)	21.19	21.80	22.42
Year 4 PV (M)	23.85	24.77	25.72
Year 5 PV (M)	26.39	27.66	28.99
PV of Terminal Value (M)	567.89	595.32	623.80
Equity Value (M)	673.17	703.89	735.76
Shares Outstanding (M)	9.83	9.83	9.83
Fair Value	$68.51	$71.64	$74.88
Upside / Downside	55.56%	62.66%	70.02%

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ACNB Corporation (ACNB)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener