Pricing Log in Create free account

ACNB Corporation (ACNB) vs Midland States Bancorp, Inc. (MSBI)

ACNB Corporation and Midland States Bancorp, Inc. are both Banks Regional companies. ACNB Corporation and Midland States Bancorp, Inc. are of similar size ($670.3M and $642.5M). ACNB Corporation trades at the lower P/E: 12.0× against 20.7×. ACNB Corporation grew revenue faster over the last twelve months: 24.9% against −12.2%. ACNB Corporation has the higher net margin (27.2% vs 7.34%) and the higher return on invested capital (7.71% vs 6.06%). Both pay a dividend; Midland States Bancorp, Inc. yields more (4.00% vs 1.87%). Across the 19 metrics below, ACNB Corporation leads on 14 and Midland States Bancorp, Inc. on 5.

Valuation

Metric ACNB MSBI Banks Regional median
P/E 11.95 20.65 11.98
P/S 3.20 1.48 2.34
P/B 1.52 1.48 1.19
Price to free cash flow 10.94 5.42 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.36% 4.84% 8.23%
Free cash flow yield 9.14% 18.45% 9.08%

Profitability

Metric ACNB MSBI Banks Regional median
Gross margin 80.23% 72.03% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 27.15% 7.34% 18.66%
Free cash flow margin 29.25% 27.38% 21.11%
Return on equity 13.34% 7.28% 10.65%
Return on assets 1.66% 0.49% 1.13%
Return on invested capital 7.71% 6.06% 8.35%

Growth

Metric ACNB MSBI Banks Regional median
Revenue growth (TTM) 24.91% (12.17%) 6.98%
EPS growth (last fiscal year) (3.49%) (484.76%) 18.88%
Revenue growth, 5-year CAGR 12.73% 9.23% 12.38%
Net income growth, 5-year CAGR 15.03% 0.00% 9.71%

Health

Metric ACNB MSBI Banks Regional median
Debt to equity 0.51 0.59 0.22
Current ratio 0.94 0.78 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ACNB MSBI Banks Regional median
Dividend yield 1.87% 4.00% 2.57%
Payout ratio 0.22 0.83 0.30

Size

Metric ACNB MSBI Banks Regional median
Market cap 642.53m 670.30m 913.33m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack