ACNB Corporation (ACNB) vs Capital Bancorp, Inc. (CBNK)
A side-by-side comparison of ACNB Corporation and Capital Bancorp, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — ACNB vs CBNK
growth of $100 · dividends reinvested · last 8yACNB vs CBNK: by the numbers
- •CBNK is the larger company ($652M vs $651M market cap).
- •CBNK trades at the lower trailing earnings multiple (11.77 vs 12.10 P/E), one valuation lens rather than an overall verdict.
- •ACNB converts more revenue to profit (27.30% vs 19.26% net margin).
- •ACNB grew revenue faster over the past five years (13.63% vs 10.99% CAGR).
- •ACNB pays the higher dividend yield (3.29% vs 1.25%).
Metrics side by side
Valuation
| Metric | ACNB | CBNK |
|---|---|---|
| P/E ratio | 12.10 | 11.77 |
| Forward P/E | 11.26 | 11.51 |
| PEG ratio | 1.09 | 0.93 |
| P/S ratio | 3.26 | 2.23 |
| P/B ratio | 1.54 | 1.54 |
Profitability
| Metric | ACNB | CBNK |
|---|---|---|
| Operating margin | 34.31% | 15.76% |
| Net margin | 27.30% | 19.26% |
| ROE | 12.90% | 13.35% |
ACNB Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Capital Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | ACNB | CBNK |
|---|---|---|
| Dividend yield | 3.29% | 1.25% |
| Payout ratio | 39.85% | 14.71% |
Growth (annualized)
| Metric | ACNB | CBNK |
|---|---|---|
| Revenue CAGR (5Y) | 13.63% | 10.99% |
| EPS CAGR (5Y) | 11.13% | 13.03% |
| Total return CAGR (5Y) | 21.57% | 11.49% |
Frequently asked
- Which has the lower trailing P/E, ACNB or CBNK?
- CBNK has the lower trailing P/E: ACNB trades at 12.10 and CBNK at 11.77. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, ACNB or CBNK?
- Over the past five years, ACNB grew revenue faster — ACNB at a 13.63% CAGR versus CBNK at 10.99%.
- Does ACNB or CBNK pay a bigger dividend?
- ACNB yields 3.29% and CBNK yields 1.25% based on trailing dividends and the latest price.
- Is ACNB or CBNK more profitable?
- ACNB runs the higher net margin — ACNB at 27.30% versus CBNK at 19.26%.
- How have ACNB and CBNK total returns compared?
- Over the past 5 years, ACNB delivered 21.57% and CBNK delivered 11.49% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
ACNB & Capital Bancorp appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.