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ACNB Corporation (ACNB) vs Hingham Institution for Savings (HIFS)

ACNB Corporation and Hingham Institution for Savings are both Banks Regional companies. ACNB Corporation and Hingham Institution for Savings are of similar size ($642.5M and $640.9M). Hingham Institution for Savings trades at the lower P/E: 9.7× against 12.0×. ACNB Corporation grew revenue faster over the last twelve months: 24.9% against 13.0%. ACNB Corporation has the higher net margin (27.2% vs 27.0%) and the higher return on invested capital (7.71% vs 2.88%). Both pay a dividend; ACNB Corporation yields more (1.87% vs 0.86%). Across the 19 metrics below, ACNB Corporation leads on 11 and Hingham Institution for Savings on 8.

Valuation

Metric ACNB HIFS Banks Regional median
P/E 11.95 9.67 11.98
P/S 3.20 2.62 2.34
P/B 1.52 1.27 1.19
Price to free cash flow 10.94 18.16 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.36% 10.34% 8.23%
Free cash flow yield 9.14% 5.51% 9.08%

Profitability

Metric ACNB HIFS Banks Regional median
Gross margin 80.23% 49.39% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 27.15% 26.99% 18.66%
Free cash flow margin 29.25% 14.43% 21.11%
Return on equity 13.34% 13.91% 10.65%
Return on assets 1.66% 1.46% 1.13%
Return on invested capital 7.71% 2.88% 8.35%

Growth

Metric ACNB HIFS Banks Regional median
Revenue growth (TTM) 24.91% 13.03% 6.98%
EPS growth (last fiscal year) (3.49%) 92.68% 18.88%
Revenue growth, 5-year CAGR 12.73% 15.43% 12.38%
Net income growth, 5-year CAGR 15.03% 1.45% 9.71%

Health

Metric ACNB HIFS Banks Regional median
Debt to equity 0.51 2.77 0.22
Current ratio 0.94 1.50 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ACNB HIFS Banks Regional median
Dividend yield 1.87% 0.86% 2.57%
Payout ratio 0.22 0.08 0.30

Size

Metric ACNB HIFS Banks Regional median
Market cap 642.53m 640.88m 913.33m

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