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 compare the two businesses based on the strength of their earnings, analyst recommendations, dividends, institutional ownership, valuation, risk, community ranking, media sentiment and profitability.

Which has more volatility & risk, PWOD or UVSP?

Penns Woods Bancorp has a beta of 0.48, indicating that its share price is 52% less volatile than the S&P 500. Comparatively, Univest Financial has a beta of 0.89, indicating that its share price is 11% less volatile than the S&P 500.

Does the MarketBeat Community favor PWOD or UVSP?

Univest Financial received 77 more outperform votes than Penns Woods Bancorp when rated by MarketBeat users. Likewise, 50.31% of users gave Univest Financial an outperform vote while only 43.08% of users gave Penns Woods Bancorp an outperform vote.

Company	Underperform	Outperform
Penns Woods Bancorp	Outperform Votes 84 43.08%	Underperform Votes 111 56.92%
Univest Financial	Outperform Votes 161 50.31%	Underperform Votes 159 49.69%

Does the media refer more to PWOD or UVSP?

In the previous week, Univest Financial had 3 more articles in the media than Penns Woods Bancorp. MarketBeat recorded 4 mentions for Univest Financial and 1 mentions for Penns Woods Bancorp. Univest Financial's average media sentiment score of 0.67 beat Penns Woods Bancorp's score of -0.27 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	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Univest Financial	1 Very Positive mention(s)	2 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do analysts rate PWOD or UVSP?

Univest Financial has a consensus target price of $28.00, indicating a potential downside of 7.14%. Given Univest Financial's stronger consensus rating and higher possible upside, analysts plainly 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)	2 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Do insiders and institutionals have more ownership in PWOD or UVSP?

27.9% of Penns Woods Bancorp shares are owned by institutional investors. Comparatively, 75.1% of Univest Financial shares are owned by institutional investors. 3.8% of Penns Woods Bancorp shares are owned by insiders. Comparatively, 2.1% of Univest Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

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 4.1%. Univest Financial pays an annual dividend of $0.84 per share and has a dividend yield of 2.8%. Penns Woods Bancorp pays out 48.5% of its earnings in the form of a dividend. Univest Financial pays out 33.7% 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.

Is PWOD or UVSP more profitable?

Penns Woods Bancorp has a net margin of 16.79% compared to Univest Financial's net margin of 14.90%. Penns Woods Bancorp's return on equity of 9.95% beat Univest Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Penns Woods Bancorp	16.79%	9.95%	0.88%
Univest Financial	14.90%	8.24%	0.89%

Which has stronger valuation & 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	$99.97M	2.34	$16.61M	$2.64	11.73
Univest Financial	$448.55M	1.95	$71.10M	$2.49	12.11

Summary

Univest Financial beats Penns Woods Bancorp on 13 of the 19 factors compared between the two stocks.