ACNB (ACNB) Competitors

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

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

65.5% of First Internet Bancorp shares are held by institutional investors. Comparatively, 32.4% of ACNB shares are held by institutional investors. 7.1% of First Internet Bancorp shares are held by company insiders. Comparatively, 3.6% of ACNB shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Does the MarketBeat Community prefer INBK or ACNB?

First Internet Bancorp received 104 more outperform votes than ACNB when rated by MarketBeat users. However, 63.16% of users gave ACNB an outperform vote while only 62.20% of users gave First Internet Bancorp an outperform vote.

Company	Underperform	Outperform
First Internet Bancorp	Outperform Votes 260 62.20%	Underperform Votes 158 37.80%
ACNB	Outperform Votes 156 63.16%	Underperform Votes 91 36.84%

Which has stronger earnings and valuation, INBK or ACNB?

ACNB has higher revenue and 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	$99.97M	2.54	$8.42M	$1.90	15.43
ACNB	$115.08M	2.31	$31.69M	$3.46	8.99

Is INBK or ACNB more profitable?

ACNB has a net margin of 24.98% compared to ACNB's net margin of 5.84%. First Internet Bancorp's return on equity of 11.00% beat ACNB's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Internet Bancorp	5.84%	4.64%	0.32%
ACNB	24.98%	11.00%	1.23%

Does the media favor INBK or ACNB?

In the previous week, First Internet Bancorp had 1 more articles in the media than ACNB. MarketBeat recorded 5 mentions for First Internet Bancorp and 4 mentions for ACNB. First Internet Bancorp's average media sentiment score of 1.16 beat ACNB's score of 1.11 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	0 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
ACNB	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Positive

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 0.8%. ACNB pays an annual dividend of $1.20 per share and has a dividend yield of 3.9%. First Internet Bancorp pays out 12.6% of its earnings in the form of a dividend. ACNB pays out 34.7% 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 raised its dividend for 7 consecutive years. ACNB is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Do analysts prefer INBK or ACNB?

First Internet Bancorp currently has a consensus target price of $35.75, indicating a potential upside of 20.70%. ACNB has a consensus target price of $42.00, indicating a potential upside of 35.00%. Given First Internet Bancorp'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

Which has more risk & volatility, INBK or ACNB?

First Internet Bancorp has a beta of 0.73, indicating that its stock price is 27% less volatile than the S&P 500. Comparatively, ACNB has a beta of 0.64, indicating that its stock price is 36% less volatile than the S&P 500.

Summary

ACNB beats First Internet Bancorp on 11 of the 21 factors compared between the two stocks.