FBIZ vs. ACNB, INBK, ORRF, UNTY, WTBA, EBTC, CZNC, FRST, OBT, and BSRR
Should you be buying First Business Financial Services stock or one of its competitors? The main competitors of First Business Financial Services include ACNB (ACNB), First Internet Bancorp (INBK), Orrstown Financial Services (ORRF), Unity Bancorp (UNTY), West Bancorporation (WTBA), Enterprise Bancorp (EBTC), Citizens & Northern (CZNC), Primis Financial (FRST), Orange County Bancorp (OBT), and Sierra Bancorp (BSRR). These companies are all part of the "state commercial banks" industry.
First Business Financial Services (NASDAQ:FBIZ) and ACNB (NASDAQ:ACNB) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their community ranking, analyst recommendations, institutional ownership, media sentiment, earnings, profitability, valuation, dividends and risk.
First Business Financial Services pays an annual dividend of $1.00 per share and has a dividend yield of 2.9%. ACNB pays an annual dividend of $1.20 per share and has a dividend yield of 3.5%. First Business Financial Services pays out 23.0% of its earnings in the form of a dividend. ACNB pays out 32.3% 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.
60.1% of First Business Financial Services shares are owned by institutional investors. Comparatively, 32.4% of ACNB shares are owned by institutional investors. 6.2% of First Business Financial Services shares are owned by company insiders. Comparatively, 3.6% of ACNB shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
First Business Financial Services presently has a consensus price target of $40.33, indicating a potential upside of 16.57%. ACNB has a consensus price target of $42.33, indicating a potential upside of 22.74%. Given ACNB's higher possible upside, analysts clearly believe ACNB is more favorable than First Business Financial Services.
First Business Financial Services has a beta of 0.78, meaning that its stock price is 22% less volatile than the S&P 500. Comparatively, ACNB has a beta of 0.6, meaning that its stock price is 40% less volatile than the S&P 500.
ACNB has a net margin of 27.53% compared to First Business Financial Services' net margin of 16.37%. First Business Financial Services' return on equity of 13.95% beat ACNB's return on equity.
First Business Financial Services received 89 more outperform votes than ACNB when rated by MarketBeat users. However, 63.93% of users gave ACNB an outperform vote while only 59.47% of users gave First Business Financial Services an outperform vote.
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.
In the previous week, First Business Financial Services had 2 more articles in the media than ACNB. MarketBeat recorded 2 mentions for First Business Financial Services and 0 mentions for ACNB. First Business Financial Services' average media sentiment score of 0.86 beat ACNB's score of 0.00 indicating that First Business Financial Services is being referred to more favorably in the media.
Summary
First Business Financial Services beats ACNB on 13 of the 20 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding FBIZ 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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