Sound Financial Bancorp (SFBC) Competitors

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

Is SFBC or ACNB more profitable?

ACNB has a net margin of 15.64% compared to Sound Financial Bancorp's net margin of 10.02%. ACNB's return on equity of 10.22% beat Sound Financial Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Sound Financial Bancorp	10.02%	6.05%	0.60%
ACNB	15.64%	10.22%	1.25%

Do insiders and institutionals have more ownership in SFBC or ACNB?

68.8% of Sound Financial Bancorp shares are owned by institutional investors. Comparatively, 32.4% of ACNB shares are owned by institutional investors. 12.4% of Sound Financial Bancorp shares are owned by insiders. Comparatively, 3.5% of ACNB shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Is SFBC or ACNB a better dividend stock?

Sound Financial Bancorp pays an annual dividend of $0.76 per share and has a dividend yield of 1.6%. ACNB pays an annual dividend of $1.36 per share and has a dividend yield of 2.9%. Sound Financial Bancorp pays out 31.3% 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. Sound Financial Bancorp has raised its dividend for 2 consecutive years and ACNB has raised its dividend for 8 consecutive years. ACNB is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Which has stronger valuation & earnings, SFBC or ACNB?

ACNB has higher revenue and earnings than Sound Financial Bancorp. ACNB is trading at a lower price-to-earnings ratio than Sound Financial 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
Sound Financial Bancorp	$38.04M	3.28	$4.64M	$2.43	20.02
ACNB	$132.20M	3.69	$31.85M	$2.69	17.32

Which has more volatility & risk, SFBC or ACNB?

Sound Financial Bancorp has a beta of 0.16, indicating that its stock price is 84% less volatile than the S&P 500. Comparatively, ACNB has a beta of 0.93, indicating that its stock price is 7% less volatile than the S&P 500.

Does the media refer more to SFBC or ACNB?

In the previous week, ACNB had 1 more articles in the media than Sound Financial Bancorp. MarketBeat recorded 1 mentions for ACNB and 0 mentions for Sound Financial Bancorp. Sound Financial Bancorp's average media sentiment score of 0.00 equaled ACNB'saverage media sentiment score.

Company	Overall Sentiment
Sound Financial Bancorp	Neutral
ACNB	Neutral

Do analysts prefer SFBC or ACNB?

ACNB has a consensus price target of $49.25, suggesting a potential upside of 5.71%. Given ACNB's stronger consensus rating and higher possible upside, analysts plainly believe ACNB is more favorable than Sound Financial Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Sound Financial Bancorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
ACNB	0 Sell rating(s)	0 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	3.00

Summary

ACNB beats Sound Financial Bancorp on 14 of the 18 factors compared between the two stocks.