Comparing California Business Bank (OTCMKTS:CABB) & ACNB (NASDAQ:ACNB)

California Business Bank (OTCMKTS:CABB) and ACNB (NASDAQ:ACNB) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their dividends, risk, analyst recommendations, profitability, institutional ownership, earnings and valuation.

Valuation & Earnings

This table compares California Business Bank and ACNB”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
California Business Bank	N/A	N/A	N/A	N/A	N/A
ACNB	$132.20 million	3.65	$31.85 million	$2.69	17.13

ACNB has higher revenue and earnings than California Business Bank.

Risk & Volatility

California Business Bank has a beta of 0.23, indicating that its share price is 77% less volatile than the S&P 500. Comparatively, ACNB has a beta of 0.93, indicating that its share price is 7% less volatile than the S&P 500.

Profitability

This table compares California Business Bank and ACNB’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
California Business Bank	N/A	N/A	N/A
ACNB	15.64%	10.22%	1.25%

Insider and Institutional Ownership

32.4% of ACNB shares are held by institutional investors. 3.5% of ACNB shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Analyst Recommendations

This is a summary of recent ratings and price targets for California Business Bank and ACNB, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
California Business Bank	0	0	0	0	0.00
ACNB	0	0	3	0	3.00

ACNB has a consensus price target of $49.25, indicating a potential upside of 6.90%. Given ACNB’s stronger consensus rating and higher possible upside, analysts plainly believe ACNB is more favorable than California Business Bank.

Summary

ACNB beats California Business Bank on 10 of the 10 factors compared between the two stocks.

About California Business Bank

California Business Bank provides various financial products and services for small businesses and entrepreneurs. The company offers various personal and business deposit products; and business and commercial loans comprising SBA, commercial and industrial, and commercial real estate loans. It also provides online and mobile banking, mobile deposit, bill pay, and other services. The company was founded in 2005 and is headquartered in Irvine, California.

About ACNB

ACNB Corporation, a financial holding company, offers banking, insurance, and financial services to individual, business, and government customers in the United States. The company provides checking, savings, and money market deposit accounts, as well as time deposits and debit cards. It also offers commercial lending products, such as commercial mortgages, real estate development and construction loans, accounts receivable and inventory financing, and agricultural and governmental loans; consumer lending products, including home equity loans and lines of credit, automobile and recreational vehicle loans, manufactured housing loans, and personal lines of credit; and mortgage lending programs include personal residential mortgages, and residential construction and investment mortgage loans. In addition, the company provides other services that are related to testamentary trusts, life insurance trusts, charitable remainder trusts, guardianships, powers of attorney, custodial accounts, and investment management and advisory accounts; and retail brokerage services. Further, it acts as a trustee to invest in, protect, manage, and distribute financial assets. Additionally, the company offers property and casualty, health, life, and disability insurance products to commercial and personal clients; and online, telephone, and mobile banking, as well as automated teller machine services. ACNB Corporation was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.