ACNB Corporation (ACNB) vs Coastal Financial Corporation (CCB)

ACNB Corporation and Coastal Financial Corporation are both Banks Regional companies. ACNB Corporation and Coastal Financial Corporation are of similar size ($669.7M and $645.2M). Coastal Financial Corporation has negative trailing earnings, so its P/E is not meaningful; ACNB Corporation trades at 12.0×. ACNB Corporation grew revenue faster over the last twelve months: 24.9% against 7.06%. ACNB Corporation has the higher net margin (27.2% vs −0.53%) and the higher return on invested capital (7.71% vs 0.00%). Across the 18 metrics below, Coastal Financial Corporation leads on 11 and ACNB Corporation on 7.

Valuation

Metric ACNB CCB Banks Regional median
P/E 12.05 n/m 12.15
P/S 3.22 0.94 2.37
P/B 1.53 1.47 1.21
Price to free cash flow 11.02 2.63 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.88 (0.38) 2.27
Earnings yield 8.30% (0.51%) 8.11%
Free cash flow yield 9.07% 38.01% 8.98%

Profitability

Metric ACNB CCB Banks Regional median
Gross margin 80.23% 83.89% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 27.15% (0.53%) 18.66%
Free cash flow margin 29.25% 35.70% 21.18%
Return on equity 13.34% (0.83%) 10.64%
Return on assets 1.66% (0.08%) 1.13%
Return on invested capital 7.71% 0.00% 8.33%

Growth

Metric ACNB CCB Banks Regional median
Revenue growth (TTM) 24.91% 7.06% 6.61%
EPS growth (last fiscal year) (3.49%) (4.31%) —
Revenue growth, 5-year CAGR 12.73% 56.15% 12.30%
Net income growth, 5-year CAGR 15.03% 25.41% 9.71%

Health

Metric ACNB CCB Banks Regional median
Debt to equity 0.51 0.10 0.22
Current ratio 0.94 1.06 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ACNB CCB Banks Regional median
Dividend yield 3.36% — 3.75%
Payout ratio 0.24 0.00 0.27

Size

Metric ACNB CCB Banks Regional median
Market cap 645.18m 669.67m 921.07m

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