Penns Woods Bancorp (PWOD) Competitors

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

Which has more risk and volatility, UVSP or PWOD?

Univest Financial has a beta of 0.89, meaning that its share price is 11% less volatile than the S&P 500. Comparatively, Penns Woods Bancorp has a beta of 0.47, meaning that its share price is 53% less volatile than the S&P 500.

Is UVSP or PWOD a better dividend stock?

Univest Financial pays an annual dividend of $0.84 per share and has a dividend yield of 2.8%. Penns Woods Bancorp pays an annual dividend of $1.28 per share and has a dividend yield of 4.3%. Univest Financial pays out 32.4% of its earnings in the form of a dividend. Penns Woods Bancorp pays out 54.2% 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 UVSP or PWOD 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
Univest Financial	15.17%	8.51%	0.92%
Penns Woods Bancorp	14.87%	9.26%	0.82%

Which has stronger valuation and earnings, UVSP or PWOD?

Univest Financial has higher revenue and earnings than Penns Woods Bancorp. Univest Financial 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
Univest Financial	$500.41M	1.72	$75.93M	$2.59	11.44
Penns Woods Bancorp	$119.32M	1.87	$17.74M	$2.36	12.56

Does the MarketBeat Community prefer UVSP or PWOD?

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 42.21% of users gave Penns Woods Bancorp an outperform vote.

Company	Underperform	Outperform
Univest Financial	Outperform Votes 161 50.16%	Underperform Votes 160 49.84%
Penns Woods Bancorp	Outperform Votes 84 42.21%	Underperform Votes 115 57.79%

Do analysts rate UVSP or PWOD?

Univest Financial currently has a consensus price target of $29.00, indicating a potential downside of 2.16%. Given Univest Financial's stronger consensus rating and higher probable upside, equities analysts clearly believe Univest Financial is more favorable than Penns Woods Bancorp.

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

Do institutionals and insiders believe in UVSP or PWOD?

75.1% of Univest Financial shares are owned by institutional investors. Comparatively, 27.9% of Penns Woods Bancorp shares are owned by institutional investors. 2.1% of Univest Financial shares are owned by company insiders. Comparatively, 4.0% of Penns Woods Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Does the media refer more to UVSP or PWOD?

In the previous week, Penns Woods Bancorp had 2 more articles in the media than Univest Financial. MarketBeat recorded 2 mentions for Penns Woods Bancorp and 0 mentions for Univest Financial. Penns Woods Bancorp's average media sentiment score of 0.88 beat Univest Financial's score of 0.00 indicating that Penns Woods Bancorp is being referred to more favorably in the news media.

Company	Overall Sentiment
Univest Financial	Neutral
Penns Woods Bancorp	Positive

Summary

Univest Financial beats Penns Woods Bancorp on 12 of the 19 factors compared between the two stocks.