Analyzing Commercial National Financial (OTCMKTS:CEFC) and Penns Woods Bancorp (OTCMKTS:PWOD)

Penns Woods Bancorp (NASDAQ:PWOD) and Commercial National Financial (OTCMKTS:CEFC) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their risk, dividends, institutional ownership, earnings, valuation, profitability and analyst recommendations.


Penns Woods Bancorp pays an annual dividend of $1.88 per share and has a dividend yield of 4.4%. Commercial National Financial pays an annual dividend of $0.52 per share and has a dividend yield of 4.9%.

Risk & Volatility

Penns Woods Bancorp has a beta of 0.61, meaning that its share price is 39% less volatile than the S&P 500. Comparatively, Commercial National Financial has a beta of 0.08, meaning that its share price is 92% less volatile than the S&P 500.

Institutional & Insider Ownership

25.6% of Penns Woods Bancorp shares are held by institutional investors. Comparatively, 0.2% of Commercial National Financial shares are held by institutional investors. 3.4% of Penns Woods Bancorp shares are held by company insiders. Comparatively, 23.0% of Commercial National Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.


This table compares Penns Woods Bancorp and Commercial National Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Penns Woods Bancorp 21.76% 11.25% 0.96%
Commercial National Financial 20.38% N/A N/A

Valuation & Earnings

This table compares Penns Woods Bancorp and Commercial National Financial’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Penns Woods Bancorp $68.21 million 2.91 $14.71 million N/A N/A
Commercial National Financial $21.24 million 1.96 $4.50 million N/A N/A

Penns Woods Bancorp has higher revenue and earnings than Commercial National Financial.

Analyst Recommendations

This is a summary of recent recommendations and price targets for Penns Woods Bancorp and Commercial National Financial, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Penns Woods Bancorp 0 0 0 0 N/A
Commercial National Financial 0 0 0 0 N/A


Penns Woods Bancorp beats Commercial National Financial on 9 of the 11 factors compared between the two stocks.

Penns Woods Bancorp Company Profile

Penns Woods Bancorp, Inc. operates as the bank holding company for Jersey Shore State Bank and Luzerne Bank, which provides commercial and retail banking services to individuals, partnerships, non-profit organizations, and corporations. The company accepts time, demand, and savings deposits, including super NOW accounts, statement savings accounts, money market accounts, and certificates of deposit, as well as checking accounts and IRAs. It also offers loan products comprising residential, commercial, and construction real estate loans; agricultural loans for the purchase or improvement of real estate; commercial loans for the acquisition and improvement of real estate, purchase of equipment, and working capital purposes; letters of credit; consumer loans, such as residential mortgages, home equity loans and lines, automobile financing, personal loans and lines of credit, and overdraft and check lines; and revolving credit loans with overdraft protection. In addition, the company provides securities brokerage and financial planning services, which include the sale of life insurance products, annuities, and estate planning services; property and casualty, and auto insurance products; safe deposit services; ATM services; and Internet and telephone banking services. Additionally, it engages in real estate transactions and investment activities. The company operates through a network of 26 offices located in Clinton, Lycoming, Centre, Montour, Union, and Luzerne counties, Pennsylvania. Penns Woods Bancorp, Inc. was incorporated in 1983 and is based in Williamsport, Pennsylvania.

Commercial National Financial Company Profile

Commercial National Financial Corporation operates as the holding company for Commercial Bank that provides various banking products and services to individuals, agricultural businesses, commercial businesses, and light industries in Michigan. It accepts various deposit products, including checking and savings accounts, individual retirement accounts, certificates of deposit, and health savings accounts. The company also offers personal loan products, such as automobile loans, recreational vehicle loans, personal lines of credit, and unsecured term loans, as well as home equity loans and mortgage loans; and business loans, including secured lines of credit, business equity line of credit, SBA loans, equipment loans, real estate loans, vehicle loans, term loans, USDA loan programs, and capital access loan programs. It also provides other services comprising business VISA check cards, debit and ATM cards, business statement savings, business certificates of deposit, merchant bankcard referrals, night depository, cash management, telephone banking, online banking, e-statements, direct deposit of payroll for employees, federal and state tax payments, child support payments, collection of receivables, and remote deposit capture. The company provides its services through 12 offices located in Barry, Gratiot, Ingham, Ionia, Isabella, Kent, and Montcalm counties in Michigan. Commercial National Financial Corporation was founded in 1893 and is headquartered in Ithaca, Michigan.

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