Financial Review: ACNB (NASDAQ:ACNB) vs. MVB Financial (NASDAQ:MVBF)

ACNB (NASDAQ:ACNBGet Rating) and MVB Financial (NASDAQ:MVBFGet Rating) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, risk, institutional ownership, profitability, analyst recommendations, valuation and dividends.

Insider & Institutional Ownership

29.9% of ACNB shares are held by institutional investors. Comparatively, 47.4% of MVB Financial shares are held by institutional investors. 3.8% of ACNB shares are held by company insiders. Comparatively, 15.6% of MVB Financial shares are held by company 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 Recommendations

This is a summary of current recommendations and price targets for ACNB and MVB Financial, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
ACNB 0 0 0 0 N/A
MVB Financial 0 1 0 1 3.00

MVB Financial has a consensus price target of $44.00, indicating a potential upside of 45.50%. Given MVB Financial’s higher probable upside, analysts plainly believe MVB Financial is more favorable than ACNB.

Earnings and Valuation

This table compares ACNB and MVB Financial’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
ACNB $100.85 million 2.72 $27.83 million $3.11 10.35
MVB Financial $146.02 million 2.53 $39.12 million $2.14 14.13

MVB Financial has higher revenue and earnings than ACNB. ACNB is trading at a lower price-to-earnings ratio than MVB Financial, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares ACNB and MVB Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
ACNB 27.56% 10.37% 0.98%
MVB Financial 17.79% 10.43% 0.96%

Risk and Volatility

ACNB has a beta of 0.23, indicating that its stock price is 77% less volatile than the S&P 500. Comparatively, MVB Financial has a beta of 0.93, indicating that its stock price is 7% less volatile than the S&P 500.

Dividends

ACNB pays an annual dividend of $1.04 per share and has a dividend yield of 3.2%. MVB Financial pays an annual dividend of $0.68 per share and has a dividend yield of 2.2%. ACNB pays out 33.4% of its earnings in the form of a dividend. MVB Financial pays out 31.8% 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 1 consecutive years and MVB Financial has increased its dividend for 6 consecutive years.

Summary

MVB Financial beats ACNB on 11 of the 16 factors compared between the two stocks.

About ACNB

(Get Rating)

ACNB Corporation, a financial holding company, provides banking, insurance, and financial services to individual, business, and government customers in the United States. The company offers checking, savings, and money market deposit accounts, as well as time deposits and debit cards. It also provides 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 individual clients; and online, telephone, and mobile banking, as well as automated teller machine services. As of December 31, 2021, it operated through a network of 19 community banking offices located in Pennsylvania, including 12 offices in Adams county, five offices in York county, one office in Cumberland County, and one office in Franklin County; five community banking offices located in Frederick County; six community banking offices located in Carroll county, Maryland; and loan offices located in Lancaster and York, Pennsylvania, and Hunt Valley, Maryland. The company was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.

About MVB Financial

(Get Rating)

MVB Financial Corp., through its subsidiaries, provides financial services to individuals and corporate clients in the Mid-Atlantic region and internationally. The company operates through three segments: CoRe Banking, Mortgage Banking, and Financial Holding Company. It offers various demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; and commercial, consumer, and real estate mortgage loans, as well as lines of credit. The company also provides debit cards; cashier's checks; safe deposit rental facilities; and non-deposit investment services, as well as financial technology (Fintech) banking services. In addition, it offers title insurance; and integrated regulatory compliance, state licensing, financial crimes prevention, and enterprise risk management services that include consulting, outsourcing, testing, and training solutions. Further, the company offers a customizable suite of fraud prevention services for merchants, credit agencies, Fintech companies, and other vendors; and consulting for the development of online and mobile banking platforms, and digital products for Fintech companies, as well as develops software. As of December 31, 2021, it operated six full-service branches in West Virginia and two full-service branches in Virginia. MVB Financial Corp. was founded in 1997 and is headquartered in Fairmont, West Virginia.

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