Community Trust Bancorp (NASDAQ:CTBI) and Penns Woods Bancorp (NASDAQ:PWOD) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their profitability, dividends, valuation, earnings, analyst recommendations, risk and institutional ownership.
This is a breakdown of current ratings and recommmendations for Community Trust Bancorp and Penns Woods Bancorp, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Community Trust Bancorp||0||0||0||0||N/A|
|Penns Woods Bancorp||0||0||0||0||N/A|
This table compares Community Trust Bancorp and Penns Woods Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Community Trust Bancorp||27.46%||10.97%||1.49%|
|Penns Woods Bancorp||22.24%||11.37%||1.00%|
Institutional & Insider Ownership
58.7% of Community Trust Bancorp shares are held by institutional investors. Comparatively, 18.5% of Penns Woods Bancorp shares are held by institutional investors. 4.9% of Community Trust Bancorp shares are held by insiders. Comparatively, 3.4% of Penns Woods Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
Community Trust Bancorp pays an annual dividend of $1.52 per share and has a dividend yield of 3.4%. Penns Woods Bancorp pays an annual dividend of $1.25 per share and has a dividend yield of 3.9%. Community Trust Bancorp pays out 45.4% of its earnings in the form of a dividend.
Earnings & Valuation
This table compares Community Trust Bancorp and Penns Woods Bancorp’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Community Trust Bancorp||$223.40 million||3.58||$59.23 million||$3.35||13.41|
|Penns Woods Bancorp||$68.21 million||3.27||$14.71 million||N/A||N/A|
Community Trust Bancorp has higher revenue and earnings than Penns Woods Bancorp.
Volatility and Risk
Community Trust Bancorp has a beta of 0.67, meaning that its stock price is 33% less volatile than the S&P 500. Comparatively, Penns Woods Bancorp has a beta of 0.59, meaning that its stock price is 41% less volatile than the S&P 500.
Community Trust Bancorp beats Penns Woods Bancorp on 9 of the 12 factors compared between the two stocks.
About Community Trust Bancorp
Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. that provides commercial and personal banking services to small and mid-sized communities. The company accepts time and demand deposits, Keogh plans, and savings certificates, as well as checking and savings, regular, individual retirement, NOW, and money market accounts. It also offers loan products, such as commercial and residential real estate loans; commercial, construction and development, mortgage, and personal loans, as well as consumer, and secured and unsecured loans; and lease-financing, lines of credit, revolving lines of credit, and term loans, as well as other specialized loans, including asset-based financing. In addition, the company provides cash management, safe deposit boxes rental, and funds transfer services; issues letters of credit; and acts as a trustee of personal trusts, executor of estates, trustee for employee benefit trusts, and paying agent for bond and stock issues, as well as an investment agent and depositor for securities. Further, it offers full service securities brokerage, and trust and wealth management services; debit cards; annuity and life insurance products; and repurchase agreements, as well as mobile, telephone, and Internet banking services. As of December 31, 2018, the company operated 79 banking locations in eastern, northeastern, central, and south central Kentucky; 6 banking locations in southern West Virginia; 4 banking locations in northeastern Tennessee; 4 trust offices in Kentucky; and 1 trust office in Tennessee. Community Trust Bancorp, Inc. was founded in 1903 and is headquartered in Pikeville, Kentucky.
About Penns Woods Bancorp
Penns Woods Bancorp, Inc. operates as the bank holding company for Jersey Shore State Bank and Luzerne Bank, which provides commercial and retail banking services to individuals, partnerships, non-profit organizations, and corporations. The company accepts time, demand, and savings deposits, including super NOW accounts, statement savings accounts, money market accounts, and certificates of deposit, as well as checking accounts and IRAs. It also offers loan products comprising residential, commercial, and construction real estate loans; agricultural loans for the purchase or improvement of real estate; commercial loans for the acquisition and improvement of real estate, purchase of equipment, and working capital purposes; letters of credit; consumer loans, such as residential mortgages, home equity loans and lines, automobile financing, personal loans and lines of credit, and overdraft and check lines; and revolving credit loans with overdraft protection. In addition, the company provides securities brokerage and financial planning services, which include the sale of life insurance products, annuities, and estate planning services; property and casualty, and auto insurance products; safe deposit services; ATM services; and Internet and telephone banking services. Additionally, it engages in real estate transactions and investment activities. The company operates through a network of 26 offices located in Clinton, Lycoming, Centre, Montour, Union, and Luzerne counties, Pennsylvania. Penns Woods Bancorp, Inc. was incorporated in 1983 and is based in Williamsport, Pennsylvania.
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