Penns Woods Bancorp (PWOD) Competitors

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

Which has stronger valuation and earnings, PWOD or UVSP?

Univest Financial has higher revenue and earnings than Penns Woods Bancorp. Penns Woods Bancorp is trading at a lower price-to-earnings ratio than Univest Financial, 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	3.13	$17.74M	$2.80	10.44
Univest Financial	$301.36M	2.86	$75.93M	$2.67	11.13

Does the MarketBeat Community believe in PWOD or UVSP?

Univest Financial received 77 more outperform votes than Penns Woods Bancorp when rated by MarketBeat users. Likewise, 50.16% of users gave Univest Financial an outperform vote while only 40.58% of users gave Penns Woods Bancorp an outperform vote.

Company	Underperform	Outperform
Penns Woods Bancorp	Outperform Votes 84 40.58%	Underperform Votes 123 59.42%
Univest Financial	Outperform Votes 161 50.16%	Underperform Votes 160 49.84%

Which has more risk & volatility, PWOD or UVSP?

Penns Woods Bancorp has a beta of 0.36, indicating that its share price is 64% less volatile than the S&P 500. Comparatively, Univest Financial has a beta of 0.72, indicating that its share price is 28% less volatile than the S&P 500.

Do analysts recommend PWOD or UVSP?

Univest Financial has a consensus price target of $29.00, suggesting a potential downside of 2.46%. Given Univest Financial's stronger consensus rating and higher possible upside, analysts clearly believe Univest Financial 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
Univest Financial	0 Sell rating(s)	3 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Is PWOD or UVSP more profitable?

Univest Financial has a net margin of 15.17% compared to Penns Woods Bancorp's net margin of 14.87%. Penns Woods Bancorp's return on equity of 9.26% beat Univest Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Penns Woods Bancorp	14.87%	9.26%	0.82%
Univest Financial	15.17%	8.51%	0.92%

Does the media favor PWOD or UVSP?

In the previous week, Penns Woods Bancorp and Penns Woods Bancorp both had 9 articles in the media. Univest Financial's average media sentiment score of 0.96 beat Penns Woods Bancorp's score of 0.80 indicating that Univest Financial is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Penns Woods Bancorp	2 Very Positive mention(s)	2 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Univest Financial	4 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do insiders and institutionals hold more shares of PWOD or UVSP?

27.9% of Penns Woods Bancorp shares are held by institutional investors. Comparatively, 75.1% of Univest Financial shares are held by institutional investors. 4.0% of Penns Woods Bancorp shares are held by company insiders. Comparatively, 1.7% of Univest Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Is PWOD or UVSP a better dividend stock?

Penns Woods Bancorp pays an annual dividend of $1.28 per share and has a dividend yield of 4.4%. Univest Financial pays an annual dividend of $0.88 per share and has a dividend yield of 3.0%. Penns Woods Bancorp pays out 45.7% of its earnings in the form of a dividend. Univest Financial pays out 33.0% 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.

Summary

Univest Financial beats Penns Woods Bancorp on 12 of the 18 factors compared between the two stocks.