Is ACNB or AGBK more undervalued in 2026?

CirclFi compares ACNB Corporation (ACNB) and AGI Inc (AGBK) using 13 institutional-grade valuation models. ACNB has a Quality of Company score of 8.7/10 while AGBK scores 1.6/10.

Which is a better buy — ACNB or AGBK?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do ACNB and AGBK valuations compare?

ACNB at $54.29 and AGBK at $7.20 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

ACNB vs AGBK Valuation Comparison 2026 — Intrinsic Value Analysis

ACNB

Banks - Regional

ACNB Corporation

Quality

8.7

out of 10

Value Trap

SAFE

Price

$54.29

Last close

Models

12/13

Active

AGBK

Banks - Regional

AGI Inc

Quality

1.6

out of 10

Value Trap

—

Price

$7.20

Last close

Models

7/13

Active

Model-by-Model Comparison

Model	Type	ACNB Fair Value	ACNB Upside	AGBK Fair Value	AGBK Upside
Bayesian DCF	Intrinsic	$67.70	+24.7%	$1.91	-73.5%
Earnings Power Value	Intrinsic	$28.28	-47.9%	—	—
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	—	—	$2.87	-60.2%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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ACNB vs AGBK — Which Stock Is More Undervalued?

ACNB scores higher with a 8.7/10 quality rating vs AGBK's 1.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing ACNB Corporation (ACNB) and AGI Inc (AGBK) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

ACNB currently trades at $54.29 with a QOC of 8.7/10, while AGBK trades at $7.20 with a QOC of 1.6/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).