Union Bankshares (UNB) Competitors

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

Do analysts prefer ACNB or UNB?

ACNB presently has a consensus price target of $49.25, suggesting a potential upside of 11.50%. Given ACNB's stronger consensus rating and higher possible upside, research analysts plainly believe ACNB is more favorable than Union Bankshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
ACNB	0 Sell rating(s)	0 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	3.00
Union Bankshares	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Is ACNB or UNB a better dividend stock?

ACNB pays an annual dividend of $1.36 per share and has a dividend yield of 3.1%. Union Bankshares pays an annual dividend of $1.44 per share and has a dividend yield of 5.5%. ACNB pays out 50.6% of its earnings in the form of a dividend. Union Bankshares pays out 70.6% 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. ACNB has increased its dividend for 8 consecutive years.

Do insiders & institutionals believe in ACNB or UNB?

32.4% of ACNB shares are held by institutional investors. Comparatively, 14.8% of Union Bankshares shares are held by institutional investors. 3.5% of ACNB shares are held by company insiders. Comparatively, 1.1% of Union Bankshares shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Does the media prefer ACNB or UNB?

In the previous week, ACNB had 1 more articles in the media than Union Bankshares. MarketBeat recorded 3 mentions for ACNB and 2 mentions for Union Bankshares. Union Bankshares' average media sentiment score of 1.29 beat ACNB's score of 0.89 indicating that Union Bankshares is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
ACNB	0 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Union Bankshares	0 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is ACNB or UNB more profitable?

ACNB has a net margin of 15.64% compared to Union Bankshares' net margin of 11.17%. Union Bankshares' return on equity of 13.14% beat ACNB's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
ACNB	15.64%	10.22%	1.25%
Union Bankshares	11.17%	13.14%	0.61%

Which has more risk and volatility, ACNB or UNB?

ACNB has a beta of 0.95, suggesting that its share price is 5% less volatile than the S&P 500. Comparatively, Union Bankshares has a beta of 0.54, suggesting that its share price is 46% less volatile than the S&P 500.

Which has preferable valuation and earnings, ACNB or UNB?

ACNB has higher revenue and earnings than Union Bankshares. Union Bankshares 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
ACNB	$132.20M	3.50	$31.85M	$2.69	16.42
Union Bankshares	$77.68M	1.52	$8.76M	$2.04	12.75

Summary

ACNB beats Union Bankshares on 16 of the 19 factors compared between the two stocks.