Sound Financial Bancorp (SFBC) Competitors

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

Which has better 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	$62.03M	1.96	$4.64M	$1.95	24.25
ACNB	$132.20M	3.39	$31.85M	$2.90	14.78

Do analysts recommend SFBC or ACNB?

ACNB has a consensus price target of $48.40, suggesting a potential upside of 12.94%. 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)	4 Buy rating(s)	0 Strong Buy rating(s)	3.00

Does the media prefer SFBC or ACNB?

In the previous week, Sound Financial Bancorp and Sound Financial Bancorp both had 3 articles in the media. Sound Financial Bancorp's average media sentiment score of 1.44 beat ACNB's score of 0.76 indicating that Sound Financial Bancorp is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Sound Financial Bancorp	1 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
ACNB	0 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has more volatility & risk, SFBC or ACNB?

Sound Financial Bancorp has a beta of 0.21, meaning that its share price is 79% less volatile than the S&P 500. Comparatively, ACNB has a beta of 0.84, meaning that its share price is 16% less volatile than the S&P 500.

Is SFBC or ACNB more profitable?

ACNB has a net margin of 17.22% compared to Sound Financial Bancorp's net margin of 8.12%. ACNB's return on equity of 10.95% beat Sound Financial Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Sound Financial Bancorp	8.12%	4.89%	0.48%
ACNB	17.22%	10.95%	1.34%

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

68.9% 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 company insiders. Comparatively, 3.5% of ACNB shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

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 3.2%. Sound Financial Bancorp pays out 39.0% of its earnings in the form of a dividend. ACNB pays out 46.9% 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.

Summary

ACNB beats Sound Financial Bancorp on 13 of the 18 factors compared between the two stocks.