ACNB vs. INBK, UNTY, OBT, BSVN, CZNC, FRST, BMRC, ORRF, FBIZ, and LNKB
Should you be buying ACNB stock or one of its competitors? The main competitors of ACNB include First Internet Bancorp (INBK), Unity Bancorp (UNTY), Orange County Bancorp (OBT), Bank7 (BSVN), Citizens & Northern (CZNC), Primis Financial (FRST), Bank of Marin Bancorp (BMRC), Orrstown Financial Services (ORRF), First Business Financial Services (FBIZ), and LINKBANCORP (LNKB). These companies are all part of the "state commercial banks" industry.
ACNB (NASDAQ:ACNB) and First Internet Bancorp (NASDAQ:INBK) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their institutional ownership, dividends, media sentiment, community ranking, risk, earnings, profitability, analyst recommendations and valuation.
ACNB has a net margin of 24.98% compared to First Internet Bancorp's net margin of 5.84%. ACNB's return on equity of 11.00% beat First Internet Bancorp's return on equity.
ACNB pays an annual dividend of $1.20 per share and has a dividend yield of 3.7%. First Internet Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 0.8%. ACNB pays out 34.7% of its earnings in the form of a dividend. First Internet Bancorp pays out 12.6% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.
In the previous week, First Internet Bancorp had 2 more articles in the media than ACNB. MarketBeat recorded 5 mentions for First Internet Bancorp and 3 mentions for ACNB. ACNB's average media sentiment score of 1.16 beat First Internet Bancorp's score of 1.15 indicating that ACNB is being referred to more favorably in the media.
32.4% of ACNB shares are owned by institutional investors. Comparatively, 65.5% of First Internet Bancorp shares are owned by institutional investors. 3.6% of ACNB shares are owned by insiders. Comparatively, 7.8% of First Internet Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.
ACNB currently has a consensus target price of $42.00, suggesting a potential upside of 30.64%. First Internet Bancorp has a consensus target price of $35.75, suggesting a potential upside of 22.43%. Given ACNB's higher possible upside, research analysts clearly believe ACNB is more favorable than First Internet Bancorp.
First Internet Bancorp received 104 more outperform votes than ACNB when rated by MarketBeat users. However, 63.16% of users gave ACNB an outperform vote while only 62.20% of users gave First Internet Bancorp an outperform vote.
ACNB has a beta of 0.64, indicating that its stock price is 36% less volatile than the S&P 500. Comparatively, First Internet Bancorp has a beta of 0.73, indicating that its stock price is 27% less volatile than the S&P 500.
ACNB has higher earnings, but lower revenue than First Internet Bancorp. ACNB is trading at a lower price-to-earnings ratio than First Internet Bancorp, indicating that it is currently the more affordable of the two stocks.
Summary
ACNB and First Internet Bancorp tied by winning 10 of the 20 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding ACNB and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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