PENNS WOODS BANCORP INC(NASDAQ:PWOD) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to PWOD. PWOD was compared to 404 industry peers in the Banks industry. PWOD has a medium profitability rating, but doesn't score so well on its financial health evaluation. PWOD does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

PWOD had positive earnings in the past year.

In the past year PWOD had a positive cash flow from operations.

In the past 5 years PWOD has always been profitable.

PWOD had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.87%, PWOD is in line with its industry, outperforming 58.29% of the companies in the same industry.

PWOD's Return On Equity of 9.60% is fine compared to the rest of the industry. PWOD outperforms 66.83% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.87%
ROE	9.6%
ROIC	N/A

ROA(3y)0.81%

ROA(5y)0.81%

ROE(3y)9.23%

ROE(5y)9.25%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

PWOD's Profit Margin of 29.45% is amongst the best of the industry. PWOD outperforms 82.41% of its industry peers.

PWOD's Profit Margin has been stable in the last couple of years.

The Operating Margin and Gross Margin are not available for PWOD so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	29.45%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-0.27%

PM growth 5Y0.25%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

PWOD does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for PWOD has been increased compared to 1 year ago.

Compared to 5 years ago, PWOD has more shares outstanding

The debt/assets ratio for PWOD is higher compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of PWOD is 0.83, which is an excellent value as it means it would take PWOD, only 0.83 years of fcf income to pay off all of its debts.

PWOD has a Debt to FCF ratio of 0.83. This is in the better half of the industry: PWOD outperforms 79.90% of its industry peers.

A Debt/Equity ratio of 0.05 indicates that PWOD is not too dependend on debt financing.

PWOD has a better Debt to Equity ratio (0.05) than 82.66% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.05
Debt/FCF	0.83
Altman-Z	N/A

ROIC/WACCN/A

WACC9.47%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

PWOD shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.73%.

Measured over the past 5 years, PWOD shows a small growth in Earnings Per Share. The EPS has been growing by 1.34% on average per year.

Looking at the last year, PWOD shows a quite strong growth in Revenue. The Revenue has grown by 8.13% in the last year.

The Revenue has been growing slightly by 2.26% on average over the past years.

EPS 1Y (TTM)1.73%

EPS 3Y1.19%

EPS 5Y1.34%

EPS Q2Q%-36.48%

Revenue 1Y (TTM)8.13%

Revenue growth 3Y3.72%

Revenue growth 5Y2.26%

Sales Q2Q%13.01%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.21, which indicates a correct valuation of PWOD.

The rest of the industry has a similar Price/Earnings ratio as PWOD.

When comparing the Price/Earnings ratio of PWOD to the average of the S&P500 Index (29.19), we can say PWOD is valued rather cheaply.

		Industry Rank	Sector Rank
PE	13.21
Fwd PE	N/A

4.2 Price Multiples

66.83% of the companies in the same industry are cheaper than PWOD, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	20.39
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)9.84

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

PWOD has a Yearly Dividend Yield of 4.10%, which is a nice return.

PWOD's Dividend Yield is rather good when compared to the industry average which is at 3.11. PWOD pays more dividend than 81.66% of the companies in the same industry.

PWOD's Dividend Yield is rather good when compared to the S&P500 average which is at 2.30.

		Industry Rank	Sector Rank
Dividend Yield	4.1%

5.2 History

The dividend of PWOD decreases each year by -0.09%.

PWOD has been paying a dividend for at least 10 years, so it has a reliable track record.

The dividend of PWOD decreased recently.

Dividend Growth(5Y)-0.09%

Div Incr Years0

Div Non Decr Years1

5.3 Sustainability

49.16% of the earnings are spent on dividend by PWOD. This is a bit on the high side, but may be sustainable.

DP49.16%

EPS Next 2YN/A

EPS Next 3YN/A

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PENNS WOODS BANCORP INC

NASDAQ:PWOD (2/12/2025, 8:00:01 PM)

After market: 31.04 0 (0%)

31.04

-0.6 (-1.9%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-03 2025-02-03

Earnings (Next)04-23 2025-04-23

Inst Owners24.88%

Inst Owner Change-25.91%

Ins Owners4.07%

Ins Owner Change0.05%

Market Cap234.66M

Analysts0

Price TargetN/A

Short Float %0.39%

Short Ratio1.3

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.1%

Yearly Dividend1.25

Dividend Growth(5Y)-0.09%

DP49.16%

Div Incr Years0

Div Non Decr Years1

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	13.21
Fwd PE	N/A
P/S	3.53
P/FCF	20.39
P/OCF	18.24
P/B	1.15
P/tB	1.25
EV/EBITDA	N/A

EPS(TTM)2.35

EY7.57%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1.52

FCFY4.9%

OCF(TTM)1.7

OCFY5.48%

SpS8.78

BVpS26.94

TBVpS24.75

PEG (NY)N/A

PEG (5Y)9.84

Profitability

		Industry Rank	Sector Rank
ROA	0.87%
ROE	9.6%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	29.45%
GM	N/A
FCFM	17.33%

ROA(3y)0.81%

ROA(5y)0.81%

ROE(3y)9.23%

ROE(5y)9.25%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-0.27%

PM growth 5Y0.25%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.05
Debt/FCF	0.83
Debt/EBITDA	N/A
Cap/Depr	39.64%
Cap/Sales	2.05%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	58.85%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC9.47%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)1.73%

EPS 3Y1.19%

EPS 5Y1.34%

EPS Q2Q%-36.48%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)8.13%

Revenue growth 3Y3.72%

Revenue growth 5Y2.26%

Sales Q2Q%13.01%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-39.24%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-33.88%

OCF growth 3YN/A

OCF growth 5YN/A

PENNS WOODS BANCORP INC (PWOD) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens