ACNB (ACNB) Competitors

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

Do analysts prefer FBIZ or ACNB?

First Business Financial Services currently has a consensus target price of $57.25, indicating a potential upside of 6.61%. ACNB has a consensus target price of $48.40, indicating a potential upside of 10.08%. Given ACNB's higher probable upside, analysts clearly believe ACNB is more favorable than First Business Financial Services.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Business Financial Services	0 Sell rating(s)	0 Hold rating(s)	4 Buy rating(s)	0 Strong Buy rating(s)	3.00
ACNB	0 Sell rating(s)	0 Hold rating(s)	4 Buy rating(s)	0 Strong Buy rating(s)	3.00

Which has more volatility and risk, FBIZ or ACNB?

First Business Financial Services has a beta of 0.66, indicating that its share price is 34% less volatile than the S&P 500. Comparatively, ACNB has a beta of 0.84, indicating that its share price is 16% less volatile than the S&P 500.

Is FBIZ or ACNB more profitable?

First Business Financial Services has a net margin of 17.44% compared to ACNB's net margin of 17.22%. First Business Financial Services' return on equity of 14.36% beat ACNB's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Business Financial Services	17.44%	14.36%	1.17%
ACNB	17.22%	10.95%	1.34%

Do insiders & institutionals believe in FBIZ or ACNB?

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

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 2.2%. ACNB pays an annual dividend of $1.36 per share and has a dividend yield of 3.1%. First Business Financial Services pays out 21.1% of its earnings in the form of a dividend. ACNB pays out 46.9% 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.

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	1.70	$44.24M	$5.50	9.76
ACNB	$132.20M	3.48	$31.85M	$2.90	15.16

Does the media prefer FBIZ or ACNB?

In the previous week, First Business Financial Services had 1 more articles in the media than ACNB. MarketBeat recorded 1 mentions for First Business Financial Services and 0 mentions for ACNB. First Business Financial Services' average media sentiment score of 1.00 beat ACNB's score of 0.50 indicating that First Business Financial Services is being referred to more favorably in the media.

Company	Overall Sentiment
First Business Financial Services	Positive
ACNB	Positive

Summary

First Business Financial Services beats ACNB on 11 of the 17 factors compared between the two stocks.