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

Is UVSP or PWOD 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
Univest Financial	14.90%	8.24%	0.89%
Penns Woods Bancorp	16.79%	9.95%	0.88%

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, 50.31% of users gave Univest Financial an outperform vote while only 43.98% of users gave Penns Woods Bancorp an outperform vote.

Company	Underperform	Outperform
Univest Financial	Outperform Votes 161 50.31%	Underperform Votes 159 49.69%
Penns Woods Bancorp	Outperform Votes 84 43.98%	Underperform Votes 107 56.02%

Which has higher earnings & valuation, UVSP or PWOD?

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
Univest Financial	$293.80M	2.94	$71.10M	$2.49	11.96
Penns Woods Bancorp	$66.39M	3.59	$16.61M	$2.64	11.96

Do analysts rate UVSP or PWOD?

Univest Financial currently has a consensus price target of $28.00, indicating a potential downside of 5.98%. Given Univest Financial's stronger consensus rating and higher probable upside, research analysts plainly 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)	2 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

Does the media prefer UVSP or PWOD?

In the previous week, Penns Woods Bancorp had 11 more articles in the media than Univest Financial. MarketBeat recorded 11 mentions for Penns Woods Bancorp and 0 mentions for Univest Financial. Penns Woods Bancorp's average media sentiment score of 0.33 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	Neutral

Which has more volatility & risk, UVSP or PWOD?

Univest Financial has a beta of 0.88, meaning that its stock price is 12% less volatile than the S&P 500. Comparatively, Penns Woods Bancorp has a beta of 0.48, meaning that its stock price is 52% 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 4.1%. Univest Financial pays out 33.7% of its earnings in the form of a dividend. Penns Woods Bancorp pays out 48.5% 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.

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

75.1% of Univest Financial shares are held by institutional investors. Comparatively, 27.9% of Penns Woods Bancorp shares are held by institutional investors. 2.1% of Univest Financial shares are held by insiders. Comparatively, 4.0% of Penns Woods Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Summary

Univest Financial beats Penns Woods Bancorp on 11 of the 19 factors compared between the two stocks.