ACNB Corporation (ACNB) vs Third Coast Bancshares, Inc. (TCBX)

ACNB Corporation and Third Coast Bancshares, Inc. are both Banks Regional companies. ACNB Corporation and Third Coast Bancshares, Inc. are of similar size ($666.0M and $653.2M). Third Coast Bancshares, Inc. trades at the lower P/E: 8.5× against 12.1×. Third Coast Bancshares, Inc. grew revenue faster over the last twelve months: 18.0% against 14.8%. ACNB Corporation has the higher net margin (27.2% vs 16.6%) and the lower return on invested capital (7.93% vs 18.6%). Across the 18 metrics below, Third Coast Bancshares, Inc. leads on 12 and ACNB Corporation on 6.

Valuation

Metric ACNB TCBX Banks Regional median
P/E 12.08 8.48 12.02
P/S 3.24 1.54 2.36
P/B 1.57 0.97 1.23
Price to free cash flow 11.26 215.38 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.28% 11.80% 8.21%
Free cash flow yield 8.88% 0.46% 9.23%

Profitability

Metric ACNB TCBX Banks Regional median
Gross margin 80.61% 58.42% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 27.16% 16.61% 18.82%
Free cash flow margin (0.74%) 0.72% 17.97%
Return on equity 13.38% 11.86% 10.28%
Return on assets 1.69% 1.19% 1.13%
Return on invested capital 7.93% 18.57% 8.45%

Growth

Metric ACNB TCBX Banks Regional median
Revenue growth (TTM) 14.83% 18.01% 6.37%
EPS growth (last fiscal year) (3.49%) 36.33% 18.85%
Revenue growth, 5-year CAGR 12.73% 34.06% 12.65%
Net income growth, 5-year CAGR 15.03% 38.41% 9.81%

Health

Metric ACNB TCBX Banks Regional median
Debt to equity 0.51 0.00 0.17
Current ratio 0.00 0.96 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ACNB TCBX Banks Regional median
Dividend yield 1.81% — 2.49%
Payout ratio 0.22 — 0.29

Size

Metric ACNB TCBX Banks Regional median
Market cap 666.03m 653.21m 934.85m

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