INBK vs. ORRF, WTBA, FBIZ, BSVN, UNTY, CZNC, ACNB, OBT, FRST, and EBTC
Should you be buying First Internet Bancorp stock or one of its competitors? The main competitors of First Internet Bancorp include Orrstown Financial Services (ORRF), West Bancorporation (WTBA), First Business Financial Services (FBIZ), Bank7 (BSVN), Unity Bancorp (UNTY), Citizens & Northern (CZNC), ACNB (ACNB), Orange County Bancorp (OBT), Primis Financial (FRST), and Enterprise Bancorp (EBTC). These companies are all part of the "state commercial banks" industry.
Orrstown Financial Services (NASDAQ:ORRF) and First Internet Bancorp (NASDAQ:INBK) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their earnings, media sentiment, profitability, dividends, analyst recommendations, risk, valuation, community ranking and institutional ownership.
In the previous week, Orrstown Financial Services had 3 more articles in the media than First Internet Bancorp. MarketBeat recorded 5 mentions for Orrstown Financial Services and 2 mentions for First Internet Bancorp. Orrstown Financial Services' average media sentiment score of 1.88 beat First Internet Bancorp's score of 0.29 indicating that First Internet Bancorp is being referred to more favorably in the news media.
Orrstown Financial Services pays an annual dividend of $0.80 per share and has a dividend yield of 3.0%. First Internet Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 0.7%. Orrstown Financial Services pays out 23.9% of its earnings in the form of a dividend. First Internet Bancorp pays out 12.6% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Orrstown Financial Services has increased its dividend for 8 consecutive years. Orrstown Financial Services is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
First Internet Bancorp received 29 more outperform votes than Orrstown Financial Services when rated by MarketBeat users. Likewise, 62.20% of users gave First Internet Bancorp an outperform vote while only 60.63% of users gave Orrstown Financial Services an outperform vote.
Orrstown Financial Services has a beta of 0.87, suggesting that its share price is 13% less volatile than the S&P 500. Comparatively, First Internet Bancorp has a beta of 0.73, suggesting that its share price is 27% less volatile than the S&P 500.
Orrstown Financial Services has higher earnings, but lower revenue than First Internet Bancorp. Orrstown Financial Services is trading at a lower price-to-earnings ratio than First Internet Bancorp, indicating that it is currently the more affordable of the two stocks.
Orrstown Financial Services has a net margin of 18.99% compared to Orrstown Financial Services' net margin of 5.84%. First Internet Bancorp's return on equity of 14.31% beat Orrstown Financial Services' return on equity.
Orrstown Financial Services currently has a consensus price target of $30.00, indicating a potential upside of 12.11%. First Internet Bancorp has a consensus price target of $35.75, indicating a potential upside of 11.06%. Given First Internet Bancorp's stronger consensus rating and higher possible upside, research analysts clearly believe Orrstown Financial Services is more favorable than First Internet Bancorp.
44.3% of Orrstown Financial Services shares are held by institutional investors. Comparatively, 65.5% of First Internet Bancorp shares are held by institutional investors. 6.2% of Orrstown Financial Services shares are held by company insiders. Comparatively, 7.8% of First Internet Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
Summary
Orrstown Financial Services beats First Internet Bancorp on 12 of the 20 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding INBK and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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