Southside Bancshares Inc. (SBSI) and Penns Woods Bancorp Inc. (NASDAQ:PWOD) Comparison side by side

Southside Bancshares Inc. (NASDAQ:SBSI) and Penns Woods Bancorp Inc. (NASDAQ:PWOD) are two firms in the Regional – Mid-Atlantic Banks that compete against each other. Below is a comparison of their analyst recommendations, profitability, risk, dividends, institutional ownership, earnings and valuation.

Earnings & Valuation

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Southside Bancshares Inc. 204.40M 5.65 74.14M 2.09 16.60
Penns Woods Bancorp Inc. 55.54M 3.62 14.70M 3.13 14.04

Table 1 demonstrates Southside Bancshares Inc. and Penns Woods Bancorp Inc.’s top-line revenue, earnings per share (EPS) and valuation. Penns Woods Bancorp Inc. seems to has lower revenue, but higher earnings compared to Southside Bancshares Inc. When business has higher price-to-earnings means it is more expensive than its counterpart currently. Southside Bancshares Inc. is currently more expensive than Penns Woods Bancorp Inc., because it’s trading at a higher price-to-earnings ratio.

Profitability

Table 2 provides Southside Bancshares Inc. and Penns Woods Bancorp Inc.’s return on equity, net margins and return on assets.

Net Margins Return on Equity Return on Assets
Southside Bancshares Inc. 36.27% 8.2% 1%
Penns Woods Bancorp Inc. 26.47% 7.7% 0.7%

Risk & Volatility

Southside Bancshares Inc. has a 0.76 beta, while its volatility is 24.00% which is less volatile than S&P 500. Penns Woods Bancorp Inc.?s 38.00% less volatile than S&P 500 which is a result of the 0.62 beta.

Dividends

Southside Bancshares Inc. pays out $1.18 per share annually while its annual dividend yield is 3.45%. Meanhile, Penns Woods Bancorp Inc.?s yearly dividend is $1.88 per share and 4.47% dividend yield.

Insider & Institutional Ownership

Southside Bancshares Inc. and Penns Woods Bancorp Inc. has shares held by institutional investors as follows: 51.4% and 26.3%. Insiders held roughly 1.2% of Southside Bancshares Inc.’s shares. On the other hand, insiders held about 1.9% of Penns Woods 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)
Southside Bancshares Inc. -0.17% 5.06% 2.33% -1.89% 2.54% 9.17%
Penns Woods Bancorp Inc. 2.95% 24.54% 2.06% -4.91% 9.29% 9.34%

For the past year Southside Bancshares Inc. has weaker performance than Penns Woods Bancorp Inc.

Summary

On 10 of the 14 factors Southside Bancshares Inc. beats Penns Woods Bancorp Inc.

Southside Bancshares, Inc. operates as a bank holding company for Southside Bank that provides a range of financial services to individuals, businesses, municipal entities, and nonprofit organizations. Its deposit products include savings, money market, and interest and noninterest bearing checking accounts, as well as certificates of deposit. The company’s loan portfolio comprises consumer loans that include 1-4 family residential loans, home equity loans, home improvement loans, automobile loans, and other installment loans; commercial loans, such as short-term working capital loans for inventory and accounts receivable, short and medium-term loans for equipment or other business capital expansion, commercial real estate loans, and municipal loans; and construction loans for 1-4 family residential and commercial real estate. It also offers trust services consisting of investment management, administration, and advisory services for individuals, partnerships, and corporations; safe deposit services; and brokerage services. The company operates through 60 branches and 25 motor bank facilities located in Tyler, Longview, Lindale, Gresham, Jacksonville, Bullard, Chandler, Hawkins, Palestine, Gun Barrel City, Athens, Whitehouse, Fort Worth, Arlington, Cleburne, Euless, Flower Mound, Granbury, Grapevine, Irving, Watauga, Weatherford, and Austin; and a network of approximately 70 automated teller machines. Southside Bancshares, Inc. was founded in 1960 and is headquartered in Tyler, Texas.

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.