First Bank (FRBA)’s Financial Results Comparing With Penns Woods Bancorp Inc. (NASDAQ:PWOD)

Both First Bank (NASDAQ:FRBA) and Penns Woods Bancorp Inc. (NASDAQ:PWOD) compete on a level playing field in the Regional – Mid-Atlantic Banks industry. We will evaluate their performance with regards to dividends, analyst recommendations, profitability, risk, institutional ownership, earnings and valuation.

Earnings and Valuation

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
First Bank 54.95M 3.93 17.59M 0.95 12.26
Penns Woods Bancorp Inc. 55.54M 3.55 14.70M 3.13 14.04

Table 1 shows the gross revenue, earnings per share and valuation for First Bank and Penns Woods Bancorp Inc. Penns Woods Bancorp Inc. is observed to has higher revenue and earnings than First Bank. The company that is more affordable between the two has a lower price-to-earnings ratio. First Bank is presently more affordable than Penns Woods Bancorp Inc., because it’s trading at a lower price-to-earnings ratio.


Table 2 shows First Bank and Penns Woods Bancorp Inc.’s return on assets, return on equity and net margins.

Net Margins Return on Equity Return on Assets
First Bank 32.01% 6.3% 0.7%
Penns Woods Bancorp Inc. 26.47% 7.7% 0.7%

Volatility and Risk

First Bank is 66.00% less volatile than Standard & Poor’s 500 because the stock has a beta of 0.34. Competitively, Penns Woods Bancorp Inc.’s 38.00% volatility makes it less volatile than Standard & Poor’s 500, because of the 0.62 beta.


First Bank pays out a $0.12 per share dividend on a yearly basis and it also offers 1.04% dividend yield. The dividend yield for Penns Woods Bancorp Inc. is 4.44% while its annual dividend payout is $1.88 per share.

Institutional & Insider Ownership

The shares of both First Bank and Penns Woods Bancorp Inc. are owned by institutional investors at 50.1% and 26.3% respectively. First Bank’s share held by insiders are 3.4%. Insiders Comparatively, held 1.9% of Penns Woods Bancorp Inc. shares.


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)
First Bank 0.78% 3.29% -1.94% -18.24% -16.02% -4.21%
Penns Woods Bancorp Inc. 2.95% 24.54% 2.06% -4.91% 9.29% 9.34%

For the past year First Bank had bearish trend while Penns Woods Bancorp Inc. had bullish trend.


Penns Woods Bancorp Inc. beats First Bank on 10 of the 13 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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