Penns Woods Bancorp (PWOD) Competitors

Penns Woods Bancorp (NASDAQ:PWOD) and Southside Bancshares (NASDAQ:SBSI) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their risk, earnings, media sentiment, analyst recommendations, dividends, valuation, profitability and institutional ownership.

Do institutionals & insiders have more ownership in PWOD or SBSI?

27.9% of Penns Woods Bancorp shares are held by institutional investors. Comparatively, 55.7% of Southside Bancshares shares are held by institutional investors. 4.0% of Penns Woods Bancorp shares are held by insiders. Comparatively, 6.0% of Southside Bancshares shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Do analysts rate PWOD or SBSI?

Southside Bancshares has a consensus price target of $37.00, suggesting a potential upside of 18.59%. Given Southside Bancshares' stronger consensus rating and higher probable upside, analysts plainly believe Southside Bancshares is more favorable than Penns Woods Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Penns Woods Bancorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
Southside Bancshares	0 Sell rating(s)	3 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Is PWOD or SBSI a better dividend stock?

Penns Woods Bancorp pays an annual dividend of $1.28 per share and has a dividend yield of 4.0%. Southside Bancshares pays an annual dividend of $1.44 per share and has a dividend yield of 4.6%. Penns Woods Bancorp pays out 45.7% of its earnings in the form of a dividend. Southside Bancshares pays out 49.5% 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. Southside Bancshares has increased its dividend for 30 consecutive years. Southside Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Is PWOD or SBSI more profitable?

Southside Bancshares has a net margin of 19.40% compared to Penns Woods Bancorp's net margin of 17.52%. Southside Bancshares' return on equity of 11.10% beat Penns Woods Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Penns Woods Bancorp	17.52%	11.05%	1.01%
Southside Bancshares	19.40%	11.10%	1.06%

Does the media refer more to PWOD or SBSI?

In the previous week, Southside Bancshares had 4 more articles in the media than Penns Woods Bancorp. MarketBeat recorded 5 mentions for Southside Bancshares and 1 mentions for Penns Woods Bancorp. Penns Woods Bancorp's average media sentiment score of 1.11 beat Southside Bancshares' score of 0.18 indicating that Penns Woods Bancorp is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Penns Woods Bancorp	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Southside Bancshares	1 Very Positive mention(s)	1 Positive mention(s)	2 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Neutral

Which has more volatility and risk, PWOD or SBSI?

Penns Woods Bancorp has a beta of 0.46, indicating that its share price is 54% less volatile than the S&P 500. Comparatively, Southside Bancshares has a beta of 0.67, indicating that its share price is 33% less volatile than the S&P 500.

Which has stronger valuation & earnings, PWOD or SBSI?

Southside Bancshares has higher revenue and earnings than Penns Woods Bancorp. Southside Bancshares is trading at a lower price-to-earnings ratio than Penns Woods Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Penns Woods Bancorp	$71.00M	3.45	$17.74M	$2.80	11.50
Southside Bancshares	$258.81M	3.64	$88.49M	$2.91	10.72

Summary

Southside Bancshares beats Penns Woods Bancorp on 15 of the 18 factors compared between the two stocks.