ACNB (NASDAQ:ACNB – Get Free Report) and FinWise Bancorp (NASDAQ:FINW – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their profitability, dividends, valuation, institutional ownership, analyst recommendations, earnings and risk.
Risk & Volatility
ACNB has a beta of 0.86, suggesting that its share price is 14% less volatile than the S&P 500. Comparatively, FinWise Bancorp has a beta of 0.82, suggesting that its share price is 18% less volatile than the S&P 500.
Analyst Ratings
This is a summary of recent ratings for ACNB and FinWise Bancorp, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| ACNB | 0 | 1 | 2 | 1 | 3.00 |
| FinWise Bancorp | 0 | 1 | 3 | 0 | 2.75 |
Profitability
This table compares ACNB and FinWise Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| ACNB | 18.47% | 11.58% | 1.42% |
| FinWise Bancorp | 12.13% | 8.31% | 1.82% |
Valuation and Earnings
This table compares ACNB and FinWise Bancorp”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| ACNB | $132.20 million | 3.86 | $31.85 million | $3.27 | 15.03 |
| FinWise Bancorp | $96.84 million | 2.51 | $12.74 million | $1.06 | 16.87 |
ACNB has higher revenue and earnings than FinWise Bancorp. ACNB is trading at a lower price-to-earnings ratio than FinWise Bancorp, indicating that it is currently the more affordable of the two stocks.
Insider and Institutional Ownership
32.4% of ACNB shares are held by institutional investors. Comparatively, 35.4% of FinWise Bancorp shares are held by institutional investors. 3.5% of ACNB shares are held by insiders. Comparatively, 21.3% of FinWise Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Summary
ACNB beats FinWise Bancorp on 9 of the 15 factors compared between the two stocks.
About ACNB
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.
About FinWise Bancorp
FinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers in Utah. The company offers various deposit products, including interest and noninterest bearing demand accounts, health savings account demand deposits, NOW and money market accounts, and checking and savings accounts, as well as time deposits and certificates of deposits. It also provides loans, including consumer, small business administration, commercial, commercial real estate, and residential real estate loans. In addition, the company offers debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services; and business accounts and cash management services, such as business checking and savings accounts, and treasury services. FinWise Bancorp was founded in 1999 and is headquartered in Murray, Utah.
Receive News & Ratings for ACNB Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for ACNB and related companies with MarketBeat.com's FREE daily email newsletter.
