ACNB (ACNB) & Its Rivals Financial Analysis

ACNB (NASDAQ:ACNB) is one of 920 publicly-traded companies in the “Banks” industry, but how does it weigh in compared to its rivals? We will compare ACNB to similar businesses based on the strength of its earnings, institutional ownership, analyst recommendations, risk, profitability, dividends and valuation.

Earnings and Valuation

This table compares ACNB and its rivals top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
ACNB	$191.82 million	$37.05 million	12.11
ACNB Competitors	$9.88 billion	$2.41 billion	19.07

ACNB’s rivals have higher revenue and earnings than ACNB. ACNB is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Risk and Volatility

ACNB has a beta of 0.87, meaning that its share price is 13% less volatile than the S&P 500. Comparatively, ACNB’s rivals have a beta of 0.60, meaning that their average share price is 40% less volatile than the S&P 500.

Dividends

ACNB pays an annual dividend of $1.68 per share and has a dividend yield of 2.6%. ACNB pays out 31.1% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 9.5% and pay out 28.9% of their earnings in the form of a dividend. ACNB has increased its dividend for 8 consecutive years. ACNB lags its rivals as a dividend stock, given its lower dividend yield and higher payout ratio.

Insider & Institutional Ownership

32.4% of ACNB shares are owned by institutional investors. Comparatively, 47.9% of shares of all “Banks” companies are owned by institutional investors. 3.7% of ACNB shares are owned by insiders. Comparatively, 9.8% of shares of all “Banks” companies are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Analyst Ratings

This is a summary of recent ratings and target prices for ACNB and its rivals, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
ACNB	0	2	2	0	2.50
ACNB Competitors	7450	30146	27697	1450	2.35

ACNB currently has a consensus target price of $64.50, suggesting a potential downside of 1.38%. As a group, “Banks” companies have a potential upside of 17.37%. Given ACNB’s rivals higher possible upside, analysts clearly believe ACNB has less favorable growth aspects than its rivals.

Profitability

This table compares ACNB and its rivals’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
ACNB	27.16%	13.87%	1.79%
ACNB Competitors	15.38%	9.45%	0.93%

Summary

ACNB rivals beat ACNB on 9 of the 15 factors compared.

ACNB Company Profile

ACNB Corporation, a financial holding company, offers banking, insurance, and financial services to individual, business, and government customers in the United States. The company provides checking, savings, and money market deposit accounts, as well as time deposits and debit cards. It also offers commercial lending products, such as commercial mortgages, real estate development and construction loans, accounts receivable and inventory financing, and agricultural and governmental loans; consumer lending products, including home equity loans and lines of credit, automobile and recreational vehicle loans, manufactured housing loans, and personal lines of credit; and mortgage lending programs include personal residential mortgages, and residential construction and investment mortgage loans. In addition, the company provides other services that are related to testamentary trusts, life insurance trusts, charitable remainder trusts, guardianships, powers of attorney, custodial accounts, and investment management and advisory accounts; and retail brokerage services. Further, it acts as a trustee to invest in, protect, manage, and distribute financial assets. Additionally, the company offers property and casualty, health, life, and disability insurance products to commercial and personal clients; and online, telephone, and mobile banking, as well as automated teller machine services. ACNB Corporation was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.