Penns Woods Bancorp Inc. (PWOD) and Carolina Trust BancShares Inc. (NASDAQ:CART) Contrasting side by side

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

Earnings and Valuation

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Penns Woods Bancorp Inc. 55.54M 3.64 14.70M 3.13 14.04
Carolina Trust BancShares Inc. 17.32M 4.65 2.95M 0.45 18.84

Table 1 highlights Penns Woods Bancorp Inc. and Carolina Trust BancShares Inc.’s gross revenue, earnings per share and valuation. Carolina Trust BancShares Inc. appears to has lower revenue and earnings than Penns Woods Bancorp Inc. The business with the lower price-to-earnings out of the two companies is considered for more affordable of the two firms currently. Penns Woods Bancorp Inc.?s currently lower price-to-earnings ratio means it is more affordable than Carolina Trust BancShares Inc.

Profitability

Table 2 has Penns Woods Bancorp Inc. and Carolina Trust BancShares Inc.’s return on assets, return on equity and net margins.

Net Margins Return on Equity Return on Assets
Penns Woods Bancorp Inc. 26.47% 7.7% 0.7%
Carolina Trust BancShares Inc. 17.03% 4.2% 0.4%

Volatility & Risk

A beta of 0.62 shows that Penns Woods Bancorp Inc. is 38.00% less volatile than Standard & Poor’s 500. Competitively, Carolina Trust BancShares Inc.’s beta is 0.41 which is 59.00% less volatile than Standard & Poor’s 500.

Dividends

Penns Woods Bancorp Inc. shareholders receive an annual dividend of $1.88 per share which is subject to 4.47% dividend yield. No dividend is paid out for Carolina Trust BancShares Inc.

Institutional and Insider Ownership

The shares of both Penns Woods Bancorp Inc. and Carolina Trust BancShares Inc. are owned by institutional investors at 26.3% and 37.5% respectively. Penns Woods Bancorp Inc.’s share owned by insiders are 1.9%. On the other hand, insiders owned about 0.8% of Carolina Trust BancShares Inc.?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%
Carolina Trust BancShares Inc. 0.59% 4.81% 5.74% 5.47% -13.47% 11.87%

For the past year Penns Woods Bancorp Inc. has weaker performance than Carolina Trust BancShares Inc.

Summary

Penns Woods Bancorp Inc. beats on 10 of the 13 factors Carolina Trust BancShares Inc.

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.