Penns Woods Bancorp (NASDAQ: PWOD – Get a rating) and Peoples Financial (OTCMKTS: PFBX – Get a rating) are both small cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their institutional ownership, dividends, analyst recommendations, earnings, risk, profitability and valuation.
This is a breakdown of recent recommendations and price targets for Penns Woods Bancorp and Peoples Financial, as reported by MarketBeat.
|Sales Ratings||Hold odds||Buy reviews||Strong buy odds||Rating|
|Penns Woods Bancorp||0||0||0||0||N / A|
|Peoples Financial||0||0||0||0||N / A|
This table compares the net margins, return on equity and return on assets of Penns Woods Bancorp and Peoples Financial.
|Net margins||Return on equity||return on assets|
|Penns Woods Bancorp||23.04%||9.42%||0.83%|
Institutional and insider ownership
18.3% of Penns Woods Bancorp shares are held by institutional investors. By comparison, 11.4% of Peoples Financial’s stock is held by institutional investors. 4.8% of Penns Woods Bancorp shares are held by insiders. By comparison, 28.1% of Peoples Financial’s stock is held by insiders. Strong institutional ownership is an indication that endowments, large fund managers, and hedge funds believe a company will outperform the market over the long term.
Valuation and benefits
This chart compares the revenue, earnings per share (EPS), and valuation of Penns Woods Bancorp and Peoples Financial.
|Gross revenue||Price/sales ratio||Net revenue||Earnings per share||Price/earnings ratio|
|Penns Woods Bancorp||$70.08 million||2.33||$16.03 million||$2.27||10.19|
|Peoples Financial||$26.76 million||2.74||$8.58 million||$1.07||14.67|
Penns Woods Bancorp has higher revenue and profits than Peoples Financial. Penns Woods Bancorp trades at a lower price-to-earnings ratio than Peoples Financial, indicating that it is currently the more affordable of the two stocks.
Risk and Volatility
Penns Woods Bancorp has a beta of 0.55, meaning its stock price is 45% less volatile than the S&P 500. In comparison, Peoples Financial has a beta of 0.54, meaning its stock price is 46 % less volatile than the S&P 500.
Penns Woods Bancorp pays an annual dividend of $1.28 per share and has a dividend yield of 5.5%. Peoples Financial pays an annual dividend of $0.18 per share and has a dividend yield of 1.1%. Penns Woods Bancorp pays 56.4% of its profits as a dividend. Peoples Financial pays 16.8% of its profits in the form of dividends. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. Peoples Financial has increased its dividend for 2 consecutive years.
Penns Woods Bancorp beats Peoples Financial on 9 out of 14 factors compared between the two stocks.
Penns Woods Bancorp Company Profile (Get a rating)
Penns Woods Bancorp, Inc. operates as a bank holding company for Jersey Shore State Bank and Luzerne Bank, which provides commercial and retail banking services to individuals, partnerships, non-profit organizations and businesses. It accepts term, demand and savings deposits, including super NOW accounts, statement savings accounts, money market accounts and certificates of deposit, as well as checking accounts and retirement accounts. individual. The Company also offers lending products including residential, commercial and construction real estate loans; agricultural loans for the purchase or improvement of real estate; commercial loans for the acquisition and improvement of real estate, the purchase of equipment and for working capital purposes; letter of credit; consumer loans, such as construction and residential mortgages, home equity loans and lines of credit, auto financing, personal loans and lines of credit, and overdraft and check lines; and revolving loans with overdraft protection. In addition, it provides securities brokerage and financial planning services, which include the sale of life insurance products, annuities and estate planning services; property and casualty and auto insurance products; safety deposit box services; ATM services; and internet and telephone banking. Additionally, the Company engages in real estate transactions and investment activities. It operates through a network of twenty-seven offices located in Clinton, Lycoming, Center, Montour, Union, Blair and Luzerne counties, Pennsylvania. The company was founded in 1907 and is headquartered in Williamsport, Pennsylvania.
Peoples Financial Company Profile (Get a rating)
Peoples Financial Corporation operates as a bank holding company for The Peoples Bank which provides banking, financial and trust services to government entities, individuals and small businesses and commercial enterprises in Mississippi. It accepts various deposits, such as interest-bearing and interest-free checking accounts, savings accounts, certificates of deposit, and individual retirement accounts (IRAs). The company also offers business, commercial, real estate, construction, personal and installment loans; and personal trusts, estate agencies and services, including living and testamentary trusts, executors, guardianships and guardianships. Additionally, it provides self-directed IRAs; and managing escrow, stock transfer and bond payment agency accounts to corporate clients. In addition, the Company offers various other services including safe deposit box rental, wire transfers, night deposit facilities, collection, cash management and internet banking. As of December 31, 2021, the company operated through 17 branches located in Harrison, Hancock, Jackson and Stone counties. It also has 28 ATMs in its branches, as well as other offsite and non-proprietary locations. The company was founded in 1896 and is based in Biloxi, Mississippi.
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