Penns Woods Bancorp Inc. (PWOD) and Bank of South Carolina Corporation (NASDAQ:BKSC) Comparison side by side

Since Penns Woods Bancorp Inc. (NASDAQ:PWOD) and Bank of South Carolina Corporation (NASDAQ:BKSC) are part of the Regional – Mid-Atlantic Banks industry, they are influenced by contrast. The influences particularly affect the risk, analyst recommendations, profitability, dividends, institutional ownership, earnings and valuation of both companies.

Valuation & Earnings

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Penns Woods Bancorp Inc. 57.20M 3.59 15.44M 3.13 14.04
Bank of South Carolina Corporation 19.00M 5.54 7.00M 1.19 15.40

Table 1 showcases the top-line revenue, earnings per share (EPS) and valuation of Penns Woods Bancorp Inc. and Bank of South Carolina Corporation. Bank of South Carolina Corporation is observed to has lower revenue and earnings than Penns Woods Bancorp Inc. The company that is more affordable between the two has a lower P/E ratio. Penns Woods Bancorp Inc. is presently more affordable than Bank of South Carolina Corporation, because it’s trading at a lower P/E ratio.

Profitability

Table 2 shows us the return on assets, return on equity and net margins of both businesses.

Net Margins Return on Equity Return on Assets
Penns Woods Bancorp Inc. 26.99% 7.7% 0.7%
Bank of South Carolina Corporation 36.84% 13.1% 1.3%

Risk and Volatility

Penns Woods Bancorp Inc.’s 0.62 beta indicates that its volatility is 38.00% less volatile than that of S&P 500. Bank of South Carolina Corporation has a -0.03 beta and it is 103.00% less volatile than S&P 500.

Dividends

Penns Woods Bancorp Inc. pays out $1.88 per share annually while its annual dividend yield is 4.37%. The dividend yield for Bank of South Carolina Corporation is 3.11% while its annual dividend payout is $0.59 per share.

Institutional & Insider Ownership

The shares of both Penns Woods Bancorp Inc. and Bank of South Carolina Corporation are owned by institutional investors at 26.3% and 12.4% respectively. Insiders held roughly 1.9% of Penns Woods Bancorp Inc.’s shares. On the other hand, insiders held about 9.9% of Bank of South Carolina Corporation’s shares.

Performance

In this table we show 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. 2.95% 24.54% 2.06% -4.91% 9.29% 9.34%
Bank of South Carolina Corporation 0.16% -1.35% -8.68% -8.09% 6.21% 0.49%

For the past year Penns Woods Bancorp Inc. has stronger performance than Bank of South Carolina Corporation

Summary

Penns Woods Bancorp Inc. beats Bank of South Carolina Corporation on 8 of the 14 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.

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