Contrasting of Penns Woods Bancorp Inc. (PWOD) and Sandy Spring Bancorp Inc. (NASDAQ:SASR)

This is a contrast between Penns Woods Bancorp Inc. (NASDAQ:PWOD) and Sandy Spring Bancorp Inc. (NASDAQ:SASR) based on their institutional ownership, analyst recommendations, profitability, risk, dividends, earnings and valuation. The two companies are Regional – Mid-Atlantic Banks and they also compete with each other.

Valuation and Earnings

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Penns Woods Bancorp Inc. 55.54M 3.35 14.70M 2.97 13.92
Sandy Spring Bancorp Inc. 312.47M 3.78 100.86M 2.68 12.46

Table 1 showcases the gross revenue, earnings per share (EPS) and valuation of Penns Woods Bancorp Inc. and Sandy Spring Bancorp Inc. Sandy Spring Bancorp Inc. has lower earnings, but higher revenue than Penns Woods Bancorp Inc. The company that is more expensive between the two has a higher P/E ratio. Penns Woods Bancorp Inc.’s currently higher P/E ratio makes it the more expensive of the two businesses.

Profitability

Table 2 hightlights the return on assets, net margins and return on equity of the two companies.

Net Margins Return on Equity Return on Assets
Penns Woods Bancorp Inc. 26.47% 8.1% 0.7%
Sandy Spring Bancorp Inc. 32.28% 9.2% 1.1%

Volatility and Risk

Penns Woods Bancorp Inc.’s current beta is 0.81 and it happens to be 19.00% less volatile than S&P 500. Sandy Spring Bancorp Inc.’s 31.00% less volatile than S&P 500 volatility due to the stock’s 0.69 beta.

Dividends

Penns Woods Bancorp Inc. pays out $1.88 per share annually while its annual dividend yield is 4.73%. On the other side, $1.1 per share with a dividend yield of 3.34% for Sandy Spring Bancorp Inc.

Analyst Ratings

The Ratings and Recommendations for Penns Woods Bancorp Inc. and Sandy Spring Bancorp Inc. are featured in the next table.

Sell Ratings Hold Ratings Buy Ratings Rating Score
Penns Woods Bancorp Inc. 0 0 0 0.00
Sandy Spring Bancorp Inc. 0 1 2 2.67

Sandy Spring Bancorp Inc. on the other hand boasts of a $40 average target price and a 20.45% potential upside.

Institutional and Insider Ownership

Roughly 25.9% of Penns Woods Bancorp Inc. shares are owned by institutional investors while 71.6% of Sandy Spring Bancorp Inc. are owned by institutional investors. Insiders owned 0.1% of Penns Woods Bancorp Inc. shares. Competitively, insiders own roughly 0.5% of Sandy Spring Bancorp Inc.’s shares.

Performance

Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
Penns Woods Bancorp Inc. -4.28% -4.26% -7.22% -8.77% -14.81% -11.12%
Sandy Spring Bancorp Inc. -7.38% -7.97% -14.59% -22% -15.29% -14.51%

For the past year Penns Woods Bancorp Inc. was less bearish than Sandy Spring Bancorp Inc.

Summary

Sandy Spring Bancorp Inc. beats Penns Woods Bancorp Inc. on 9 of the 15 factors.

Penns Woods Bancorp, Inc. operates as the bank holding company for Jersey Shore State Bank and Luzerne Bank, which provides banking and financial services to individuals, partnerships, non-profit organizations, and corporations. It provides time deposits, super NOW accounts, statement savings accounts, money market accounts, certificates of deposit, checking accounts, and IRAs. The company also offers loan products comprising secured and unsecured business, and commercial loans that include financing commercial transactions, as well as revolving credit loans with overdraft protection. In addition, its loan portfolio includes agricultural loans; real estate loans, including residential, commercial, and construction; commercial loans; letter of credit; and consumer loans that comprise residential mortgages, home equity loans and lines, automobile financing, personal loans, lines of credit, and overdrafts and check lines, as well as lines of credit for working capital purposes. Further, the company provides securities brokerage and financial planning services, which include the sale of life insurance products, annuities, and estate planning services; annuity and mutual fund investment products; safe deposit services; ATMs; and Internet and telephone banking services. Additionally, it engages in real estate transactions and investment activities. The company provides its services through a network of 23 offices located in Clinton, Lycoming, Centre, Montour, Union, and Luzerne Counties, Pennsylvania. Penns Woods Bancorp, Inc. was founded in 1934 and is based in Williamsport, Pennsylvania.

Sandy Spring Bancorp, Inc. operates as the bank holding company for Sandy Spring Bank that provides commercial and retail banking services to individuals and businesses in central Maryland, Northern Virginia, and Washington D. C. markets. It operates through three segments: Community Banking, Insurance, and Investment Management. The Community Banking segment provides financial products and services, including various loan and deposit products to individuals and businesses. Its deposit products include demand, money market savings, regular savings, and time deposits. This segments loan portfolio comprises residential real estate loans; commercial real estate loans, commercial construction loans, leases, and other commercial loans; and consumer loans comprising home equity loans and lines, installment loans, and personal lines of credit. The Insurance segment provides general insurance agency services and annuities. The Investment Management segment provides comprehensive investment management and financial planning to individuals, families, small businesses, and associations, including cash flow analysis, investment review, tax planning, retirement planning, insurance analysis, and estate planning. Sandy Spring Bancorp, Inc. also provides trust services. As of January 19, 2017, it operated 44 community offices and 6 financial centers. The company was founded in 1868 and is headquartered in Olney, Maryland.

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