Contrasting of Ameris Bancorp (ABCB) and Penns Woods Bancorp Inc. (NASDAQ:PWOD)

Both Ameris Bancorp (NASDAQ:ABCB) and Penns Woods Bancorp Inc. (NASDAQ:PWOD) are Regional – Mid-Atlantic Banks companies, competing one another. We will compare their institutional ownership, profitability, risk, dividends, analyst recommendations, earnings and valuation.

Earnings & Valuation

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Ameris Bancorp 43 1.40 65.28M 2.89 15.04
Penns Woods Bancorp Inc. 34 0.00 6.79M 2.42 13.57

Table 1 shows the top-line revenue, earnings per share (EPS) and valuation for Ameris Bancorp and Penns Woods Bancorp Inc. Penns Woods Bancorp Inc. appears to has lower revenue and earnings than Ameris Bancorp. Currently more expensive of the two stocks is the company with a higher P/E ratio. Ameris Bancorp is currently more expensive than Penns Woods Bancorp Inc., because it’s trading at a higher P/E ratio.

Profitability

Table 2 shows the return on equity, net margins and return on assets of the two firms.

Net Margins Return on Equity Return on Assets
Ameris Bancorp 151,181,102.36% 8.3% 1.1%
Penns Woods Bancorp Inc. 20,130,447.67% 11.4% 1%

Volatility & Risk

A 1.49 beta indicates that Ameris Bancorp is 49.00% more volatile compared to Standard & Poor’s 500. From a competition point of view, Penns Woods Bancorp Inc. has a 0.64 beta which is 36.00% less volatile compared to Standard & Poor’s 500.

Analyst Recommendations

Ameris Bancorp and Penns Woods Bancorp Inc. Ratings and Recommendations are available in the next table.

Sell Ratings Hold Ratings Buy Ratings Rating Score
Ameris Bancorp 0 0 4 3.00
Penns Woods Bancorp Inc. 0 0 0 0.00

The consensus target price of Ameris Bancorp is $49.75, with potential upside of 17.64%.

Institutional and Insider Ownership

Roughly 83.6% of Ameris Bancorp shares are held by institutional investors while 28.3% of Penns Woods Bancorp Inc. are owned by institutional investors. Insiders held 3.8% of Ameris Bancorp shares. Competitively, insiders own roughly 0.2% of Penns Woods Bancorp Inc.’s shares.

Performance

In this table we provide 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)
Ameris Bancorp -0.55% -0.96% 21.97% 16.69% 13.25% 37.07%
Penns Woods Bancorp Inc. 3.73% 4.68% 15.45% 17.32% 17.55% 22.45%

For the past year Ameris Bancorp’s stock price has bigger growth than Penns Woods Bancorp Inc.

Summary

Ameris Bancorp beats Penns Woods Bancorp Inc. on 13 of the 13 factors.

Ameris Bancorp operates as the holding company for Ameris Bank that provides banking services to retail and commercial customers primarily in Georgia, Alabama, Florida, and South Carolina. The company operates through four segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, and SBA Division. It offers commercial and retail checking accounts, regular interest-bearing savings accounts, money market accounts, individual retirement accounts, and certificates of deposit. The company also provides commercial real estate, residential real estate mortgage, agricultural, and commercial and industrial loans; and consumer loans, including motor vehicle, home improvement, and home equity loans, as well as loans secured by savings accounts and small unsecured personal credit lines. It operates 97 domestic banking offices and 11 mortgage production offices. Ameris Bancorp was founded in 1971 and is headquartered in Moultrie, Georgia.

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.