ACNB (ACNB) vs Arrow Financial (AROW)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
ACNB (ACNB) has outperformed Arrow Financial (AROW) over the past year, gaining 44.3% versus a gain of 35.6%. Over five years, ACNB leads with a +127.7% price change compared with +6.2% for AROW. Arrow Financial is the larger company by market cap ($673.9 million vs $633.5 million), about 1.1 times the size.
On valuation, Arrow Financial trades at a lower forward P/E (8.4x vs 10.9x for ACNB). Arrow Financial offers the higher dividend yield (3.24% vs 2.44%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | ACNB | AROW |
|---|---|---|
| Share price | $62.29 | $36.38 |
| Market cap | $633.48M | $673.89M |
| 1-day change | -1.42% | -1.76% |
| YTD return | +30.69% | +17.93% |
| 1-year return | +44.27% | +35.59% |
| 5-year return | +127.71% | +6.24% |
| P/E ratio (TTM) | 11.82 | 11.74 |
| Forward P/E | 10.94 | 8.45 |
| EPS (TTM) | $5.27 | $3.10 |
| Dividend yield | 2.44% | 3.24% |
| Annual dividend | $1.52 | $1.18 |
| 52-week high | $67.60 | $42.70 |
| 52-week low | $42.52 | $25.88 |
| Distance from 52-week high | -7.86% | -14.80% |
| Analyst consensus | none | none |
| Avg. price target upside | +8.64% | +19.57% |
| Average volume | 70.51K | 87.28K |
| Shares outstanding | 10.17M | 18.52M |
| Employees | 501 | 575 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
About ACNB
ACNB stock →ACNB Corporation, a financial holding company, offers banking, insurance, and financial services to individual, business, and government customers in the United States. The company offers checking, savings, and money market deposit accounts, as well as time deposits and debit cards.
Finance · Major Banks · 501 employees
About Arrow Financial
AROW stock →Arrow Financial Corporation, a bank holding company, provides various commercial and consumer banking, and financial products and services in the United States. The company's deposit products include demand deposits, interest-bearing checking accounts, savings deposits, time deposits, and other time deposits.
Finance · Major Banks · 575 employees
ACNB vs AROW FAQ
Which is bigger, ACNB or Arrow Financial?
Arrow Financial (AROW) is larger, with a market capitalization of $673.89M compared with $633.48M for ACNB (ACNB).
Which stock has performed better over the past year, ACNB or AROW?
ACNB returned +44.27% over the past 12 months, compared with +35.59% for AROW (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, ACNB or AROW?
AROW has the lower trailing P/E at 11.7, versus 11.8 for ACNB. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, ACNB or Arrow Financial?
Arrow Financial has the higher yield at 3.24%, compared with 2.44% for ACNB.
Are ACNB and Arrow Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.