Comparing of Penns Woods Bancorp Inc. (PWOD) and C&F Financial Corporation (NASDAQ:CFFI)

Penns Woods Bancorp Inc. (NASDAQ:PWOD) and C&F Financial Corporation (NASDAQ:CFFI) compete with each other in the Regional – Mid-Atlantic Banks sector. We will analyze and contrast their risk, institutional ownership, analyst recommendations, profitability, dividends, earnings and valuation.

Earnings & Valuation

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Penns Woods Bancorp Inc. 55.54M 3.62 14.70M 3.13 14.04
C&F Financial Corporation 96.27M 1.90 18.02M 5.15 10.18

Table 1 demonstrates Penns Woods Bancorp Inc. and C&F Financial Corporation’s top-line revenue, earnings per share (EPS) and valuation. C&F Financial Corporation is observed to has higher revenue and earnings than Penns Woods Bancorp Inc. The business that Currently has a higher P/E ratio is considered the more expensive of the two businesses. Penns Woods Bancorp Inc. is currently more expensive than C&F Financial Corporation, because it’s trading at a higher P/E ratio.


Table 2 provides us Penns Woods Bancorp Inc. and C&F Financial Corporation’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Penns Woods Bancorp Inc. 26.47% 7.7% 0.7%
C&F Financial Corporation 18.72% 12.2% 1.2%

Volatility & Risk

Penns Woods Bancorp Inc.’s volatility measures that it’s 38.00% less volatile than Standard & Poor’s 500 due to its 0.62 beta. Competitively, C&F Financial Corporation’s 37.00% volatility makes it less volatile than Standard & Poor’s 500, because of the 0.63 beta.


Penns Woods Bancorp Inc. shareholders receive an annual dividend of $1.88 per share which is subject to 4.47% dividend yield. C&F Financial Corporation also pays out annual dividends at $1.41 per share and at a 2.68% dividend yield.

Insider and Institutional Ownership

Roughly 26.3% of Penns Woods Bancorp Inc. shares are held by institutional investors while 35.8% of C&F Financial Corporation are owned by institutional investors. Insiders held 1.9% of Penns Woods Bancorp Inc. shares. Competitively, C&F Financial Corporation has 5.8% of it’s share held by insiders.


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%
C&F Financial Corporation 3.76% 4.84% -0.7% -17.67% 12.93% -1.52%

For the past year Penns Woods Bancorp Inc. has 9.34% stronger performance while C&F Financial Corporation has -1.52% weaker performance.


Penns Woods Bancorp Inc. beats C&F Financial 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.

C&F Financial Corporation operates as a holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. The company operates through three segments: Retail Banking, Mortgage Banking, and Consumer Finance. The Retail Banking segment offers various banking services, such as checking and savings deposit accounts, as well as business, real estate, development, mortgage, home equity, and installment loans. This segment also provides ATMs, Internet and mobile banking, and debit and credit cards, as well as safe deposit box rentals, notary public, electronic transfer, and other customary bank services. It offers its services through its main office in West Point, Virginia, as well as through 24 Virginia branches located 1 each in Cartersville, Chester, Cumberland, Hampton, Mechanicsville, Newport News, Norge, Powhatan, Providence Forge, Quinton, Saluda, Sandston, West Point and Yorktown; 2 in Williamsburg; 4 in Richmond; and 4 in Midlothian. The Mortgage Banking segment provides various residential mortgage loans; originates conventional mortgage loans, mortgage loans insured by the Federal Housing Administration, and mortgage loans guaranteed by the United States Department of Agriculture and the Veterans Administration; and ancillary mortgage loan origination services for residential appraisals, as well as various mortgage origination functions to third parties. This segment offers mortgage loan origination services through 10 offices in Virginia, as well as through 2 offices in Maryland and two offices in North Carolina. The Consumer Finance segment provides automobile loans through its offices in Richmond and Hampton, Virginia; Nashville, Tennessee; and Hunt Valley, Maryland. In addition, the company offers investment services; insurance services; and title insurance services. C&F Financial Corporation was founded in 1927 and is based in West Point, Virginia.