Today I'm reviewing a small-cap bank - regional - US.

It's name is ACNB Corporation It's trading ticker symbol is ACNB. 

ACNB Corp provides banking, insurance, and financial services to businesses, and consumers through its wholly-owned subsidiaries, ACNB Bank and Russell Insurance Group Inc (RIG). The corporation has two reporting segments, the Bank and RIG.

The company accepts deposit products. It also offers commercial lending products. In addition, the company provides estate settlement services; trusts, life insurance, investment management and advisory accounts. It supplies retail brokerage services through a third-party provider. 

The company operates through a network of 22 community banking offices located in Adams, Cumberland, Franklin, and York counties, Pennsylvania, as well as 1 loan production office in York County, Pennsylvania. Additionally, it's Russell Insurance Group, Inc. provides insurance agency services. 

ACNB Corporation was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.

I use three key data points to gauge the value of any dividend equity or fund like ACNB Corporation: 

(1) Price

(2) Dividends

(3) Returns

Besides those three, four more keys  will finally unlock an equity or fund in which to invest.

But those first three primary keys, best tell whether a company has made, is making, and will make money. 

ACNB Price

ACNB's price per share was $34.90 at yesterday's market close. A year ago its price was $28.45 for a gain of $6.45 per share.  

Assuming ACNB's price will trade in the range of $26 to $46 next year, its price could make that same $6.45 gain from its current $34.90 price to $41.35 by late July, or early August 2019. 

ACNB Dividends

ACNB's most recent increasing quarterly dividend is $0.23  declared July, 27 and payable September 14.

At that pay rate its; 2018 annual dividend is calculated at $.92  yielding  2.63% at yesterdays closing price.

Gains For ACNB?

Adding the $.92 potential annual dividend to the $6.45 potential year over year price gain for ACNB makes a $7.37 projected gross annual per share gain, which will be reduced by costs to trade the shares.  

A little over $1,000.00 invested today at the $34.90 recent price buys 29 shares. 

A $10 broker fee paid half at purchase and half at sale costs about $0.34 per share

Subtracting that $0.34 brokerage cost from the estimated $7.37 gross gain leaves a net gain of $7.03 X 29 shares 

= $213.73

or a nearly a 21.4% net gain on a $1,012.10 investment.

Therefore, ACNB Corporation, whose trading ticker symbol is ACNB, now shows a possible near 21.4% net gain including a 2.63% dividend yield. 

No analysts cover this stock:

So, there is no analyst consensus recommendation nor any price target set by the brokers. 

Y Charts has some data. Y Charts has rated ACNB "neutral" for an overall "Y" rating; it has "good" for a Value score and ranks ACNB "strong" for a Fundamental mark as well as "5.51% undervalued" for a  Historic Valuation score based on a $36.84 valuation.

You could look at all the numbers this way, ACNB Corporation has made money, is making money, and could net a nearly 21.4% net gain including a 2.63% dividend yield. It could be more, it could be less.

The above speculation is based on past year performance. Actual results remain to be seen. Results could turn out to be far higher or lower. More study is required for you to determine if  ACNB Corporation is worth your time and money.