First Internet Bancorp (INBK) Competitors

First Internet Bancorp (NASDAQ:INBK) and ACNB (NASDAQ:ACNB) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their dividends, valuation, earnings, community ranking, analyst recommendations, media sentiment, profitability, institutional ownership and risk.

Is INBK or ACNB more profitable?

ACNB has a net margin of 25.62% compared to First Internet Bancorp's net margin of 6.12%. ACNB's return on equity of 11.51% beat First Internet Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Internet Bancorp	6.12%	5.27%	0.36%
ACNB	25.62%	11.51%	1.30%

Do analysts rate INBK or ACNB?

First Internet Bancorp presently has a consensus price target of $41.25, suggesting a potential upside of 5.50%. ACNB has a consensus price target of $42.00, suggesting a potential upside of 7.47%. Given ACNB's higher probable upside, analysts plainly believe ACNB is more favorable than First Internet Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Internet Bancorp	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50
ACNB	0 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Does the media refer more to INBK or ACNB?

In the previous week, First Internet Bancorp had 2 more articles in the media than ACNB. MarketBeat recorded 15 mentions for First Internet Bancorp and 13 mentions for ACNB. ACNB's average media sentiment score of 0.64 beat First Internet Bancorp's score of 0.61 indicating that ACNB is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
First Internet Bancorp	3 Very Positive mention(s)	0 Positive mention(s)	5 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Positive
ACNB	1 Very Positive mention(s)	3 Positive mention(s)	6 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has more volatility and risk, INBK or ACNB?

First Internet Bancorp has a beta of 0.68, indicating that its share price is 32% less volatile than the S&P 500. Comparatively, ACNB has a beta of 0.62, indicating that its share price is 38% less volatile than the S&P 500.

Does the MarketBeat Community believe in INBK or ACNB?

First Internet Bancorp received 106 more outperform votes than ACNB when rated by MarketBeat users. Likewise, 62.23% of users gave First Internet Bancorp an outperform vote while only 61.90% of users gave ACNB an outperform vote.

Company	Underperform	Outperform
First Internet Bancorp	Outperform Votes 262 62.23%	Underperform Votes 159 37.77%
ACNB	Outperform Votes 156 61.90%	Underperform Votes 96 38.10%

Do insiders & institutionals hold more shares of INBK or ACNB?

65.5% of First Internet Bancorp shares are owned by institutional investors. Comparatively, 32.4% of ACNB shares are owned by institutional investors. 7.1% of First Internet Bancorp 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 company is poised for long-term growth.

Which has higher valuation and earnings, INBK or ACNB?

ACNB has lower revenue, but higher earnings 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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Internet Bancorp	$265.57M	1.28	$8.42M	$1.90	20.58
ACNB	$115.08M	2.90	$31.69M	$3.46	11.29

Is INBK or ACNB a better dividend stock?

First Internet Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 0.6%. ACNB pays an annual dividend of $1.28 per share and has a dividend yield of 3.3%. First Internet Bancorp pays out 12.6% of its earnings in the form of a dividend. ACNB pays out 37.0% 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.

Summary

First Internet Bancorp beats ACNB on 11 of the 20 factors compared between the two stocks.