ACNB (ACNB) Competitors

First Business Financial Services (NASDAQ:FBIZ) and ACNB (NASDAQ:ACNB) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their risk, earnings, dividends, profitability, valuation, analyst recommendations, institutional ownership and media sentiment.

Is FBIZ or ACNB more profitable?

First Business Financial Services has a net margin of 17.59% compared to ACNB's net margin of 15.64%. First Business Financial Services' return on equity of 14.22% beat ACNB's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Business Financial Services	17.59%	14.22%	1.17%
ACNB	15.64%	10.71%	1.32%

Which has more risk & volatility, FBIZ or ACNB?

First Business Financial Services has a beta of 0.7, indicating that its share price is 30% less volatile than the S&P 500. Comparatively, ACNB has a beta of 0.93, indicating that its share price is 7% less volatile than the S&P 500.

Does the media favor FBIZ or ACNB?

In the previous week, First Business Financial Services had 5 more articles in the media than ACNB. MarketBeat recorded 6 mentions for First Business Financial Services and 1 mentions for ACNB. First Business Financial Services' average media sentiment score of 1.30 beat ACNB's score of 0.00 indicating that First Business Financial Services is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
First Business Financial Services	4 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
ACNB	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Do insiders and institutionals hold more shares of FBIZ or ACNB?

60.1% of First Business Financial Services shares are held by institutional investors. Comparatively, 32.4% of ACNB shares are held by institutional investors. 5.1% of First Business Financial Services shares are held by insiders. Comparatively, 3.5% of ACNB shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Which has higher valuation and earnings, FBIZ or ACNB?

First Business Financial Services has higher revenue and earnings than ACNB. First Business Financial Services is trading at a lower price-to-earnings ratio than ACNB, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Business Financial Services	$262.38M	1.49	$44.24M	$5.62	8.34
ACNB	$132.20M	3.36	$31.85M	$2.69	15.77

Do analysts recommend FBIZ or ACNB?

First Business Financial Services currently has a consensus price target of $59.67, indicating a potential upside of 27.23%. ACNB has a consensus price target of $49.25, indicating a potential upside of 16.13%. Given First Business Financial Services' higher probable upside, equities analysts clearly believe First Business Financial Services is more favorable than ACNB.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Business Financial Services	0 Sell rating(s)	0 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	3.00
ACNB	0 Sell rating(s)	0 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	3.00

Is FBIZ or ACNB a better dividend stock?

First Business Financial Services pays an annual dividend of $1.16 per share and has a dividend yield of 2.5%. ACNB pays an annual dividend of $1.36 per share and has a dividend yield of 3.2%. First Business Financial Services pays out 20.6% of its earnings in the form of a dividend. ACNB pays out 50.6% 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. First Business Financial Services has raised its dividend for 13 consecutive years and ACNB has raised its dividend for 8 consecutive years.

Summary

First Business Financial Services beats ACNB on 12 of the 17 factors compared between the two stocks.