ACNB Corporation (ACNB) vs California BanCorp (BCAL)

ACNB Corporation and California BanCorp are both Banks Regional companies. ACNB Corporation and California BanCorp are of similar size ($690.8M and $666.0M). California BanCorp trades at the lower P/E: 11.7× against 12.1×. ACNB Corporation grew revenue faster over the last twelve months: 14.8% against −2.30%. ACNB Corporation has the higher net margin (27.2% vs 26.0%) and the lower return on invested capital (7.93% vs 16.2%). Both pay a dividend; California BanCorp yields more (1.94% vs 1.81%). Across the 19 metrics below, California BanCorp leads on 12 and ACNB Corporation on 7.

Valuation

Metric ACNB BCAL Banks Regional median
P/E 12.08 11.65 12.02
P/S 3.24 3.01 2.36
P/B 1.57 1.19 1.23
Price to free cash flow 11.26 11.76 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.28% 8.58% 8.21%
Free cash flow yield 8.88% 8.51% 9.23%

Profitability

Metric ACNB BCAL Banks Regional median
Gross margin 80.61% 77.87% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 27.16% 26.01% 18.82%
Free cash flow margin (0.74%) 25.61% 17.97%
Return on equity 13.38% 10.61% 10.28%
Return on assets 1.69% 1.51% 1.13%
Return on invested capital 7.93% 16.15% 8.45%

Growth

Metric ACNB BCAL Banks Regional median
Revenue growth (TTM) 14.83% (2.30%) 6.37%
EPS growth (last fiscal year) (3.49%) 777.27% 18.85%
Revenue growth, 5-year CAGR 12.73% 37.44% 12.65%
Net income growth, 5-year CAGR 15.03% 67.92% 9.81%

Health

Metric ACNB BCAL Banks Regional median
Debt to equity 0.51 0.00 0.17
Current ratio 0.00 0.99 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ACNB BCAL Banks Regional median
Dividend yield 1.81% 1.94% 2.49%
Payout ratio 0.22 0.23 0.29

Size

Metric ACNB BCAL Banks Regional median
Market cap 666.03m 690.81m 934.85m

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