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PENNS WOODS BANCORP INC (PWOD) Stock Fundamental Analysis

NASDAQ:PWOD - Nasdaq - US7084301032 - Common Stock - Currency: USD

27.66  +0.92 (+3.44%)

After market: 27.66 0 (0%)

Fundamental Rating

3

Overall PWOD gets a fundamental rating of 3 out of 10. We evaluated PWOD against 398 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.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year PWOD was profitable.
PWOD had a positive operating cash flow in the past year.
In the past 5 years PWOD has always been profitable.
Of the past 5 years PWOD 4 years had a positive operating cash flow.
PWOD Yearly Net Income VS EBIT VS OCF VS FCFPWOD Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

1.2 Ratios

PWOD has a Return On Assets of 0.87%. This is comparable to the rest of the industry: PWOD outperforms 54.77% of its industry peers.
Looking at the Return On Equity, with a value of 9.60%, PWOD is in the better half of the industry, outperforming 64.57% of the companies in the same industry.
Industry RankSector 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
PWOD Yearly ROA, ROE, ROICPWOD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

With an excellent Profit Margin value of 29.45%, PWOD belongs to the best of the industry, outperforming 81.41% of the companies in the same industry.
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 RankSector 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
PWOD Yearly Profit, Operating, Gross MarginsPWOD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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3

2. Health

2.1 Basic Checks

PWOD does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, PWOD has more shares outstanding
The number of shares outstanding for PWOD has been increased compared to 5 years ago.
Compared to 1 year ago, PWOD has a worse debt to assets ratio.
PWOD Yearly Shares OutstandingPWOD Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
PWOD Yearly Total Debt VS Total AssetsPWOD Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

PWOD has a debt to FCF ratio of 0.83. This is a very positive value and a sign of high solvency as it would only need 0.83 years to pay back of all of its debts.
PWOD's Debt to FCF ratio of 0.83 is fine compared to the rest of the industry. PWOD outperforms 79.15% of its industry peers.
PWOD has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
With an excellent Debt to Equity ratio value of 0.05, PWOD belongs to the best of the industry, outperforming 82.91% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.83
Altman-Z N/A
ROIC/WACCN/A
WACC9.72%
PWOD Yearly LT Debt VS Equity VS FCFPWOD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PWOD Yearly Current Assets VS Current LiabilitesPWOD Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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2

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 1.73% over the past year.
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.
The Revenue has grown by 8.13% in the past year. This is quite good.
PWOD shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.26% yearly.
EPS 1Y (TTM)1.73%
EPS 3Y1.19%
EPS 5Y1.34%
EPS Q2Q%-36.47%
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.
PWOD Yearly Revenue VS EstimatesPWOD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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2

4. Valuation

4.1 Price/Earnings Ratio

PWOD is valuated reasonably with a Price/Earnings ratio of 11.77.
PWOD's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 28.64. PWOD is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.77
Fwd PE N/A
PWOD Price Earnings VS Forward Price EarningsPWOD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

PWOD's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. PWOD is more expensive than 70.60% of the companies in the same industry.
Industry RankSector Rank
P/FCF 18.29
EV/EBITDA N/A
PWOD Per share dataPWOD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)8.77
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

PWOD has a Yearly Dividend Yield of 4.85%, which is a nice return.
PWOD's Dividend Yield is rather good when compared to the industry average which is at 3.68. PWOD pays more dividend than 80.65% of the companies in the same industry.
PWOD's Dividend Yield is rather good when compared to the S&P500 average which is at 2.52.
Industry RankSector Rank
Dividend Yield 4.85%

5.2 History

The dividend of PWOD decreases each year by -0.09%.
PWOD has paid a dividend for at least 10 years, which is a reliable track record.
The dividend of PWOD decreased recently.
Dividend Growth(5Y)-0.09%
Div Incr Years0
Div Non Decr Years1
PWOD Yearly Dividends per sharePWOD Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

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
PWOD Yearly Income VS Free CF VS DividendPWOD Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
PWOD Dividend Payout.PWOD Dividend Payout, showing the Payout Ratio.PWOD Dividend Payout.PayoutRetained Earnings

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PENNS WOODS BANCORP INC

NASDAQ:PWOD (4/23/2025, 8:00:01 PM)

After market: 27.66 0 (0%)

27.66

+0.92 (+3.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-03 2025-02-03
Earnings (Next)04-24 2025-04-24
Inst Owners30.47%
Inst Owner Change1.26%
Ins Owners4.96%
Ins Owner Change11.51%
Market Cap210.49M
Analysts0
Price TargetN/A
Short Float %0.46%
Short Ratio2.16
Dividend
Industry RankSector Rank
Dividend Yield 4.85%
Yearly Dividend1.25
Dividend Growth(5Y)-0.09%
DP49.16%
Div Incr Years0
Div Non Decr Years1
Ex-Date03-11 2025-03-11 (0.32)
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 RankSector Rank
PE 11.77
Fwd PE N/A
P/S 3.17
P/FCF 18.29
P/OCF 16.36
P/B 1.03
P/tB 1.12
EV/EBITDA N/A
EPS(TTM)2.35
EY8.5%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.51
FCFY5.47%
OCF(TTM)1.69
OCFY6.11%
SpS8.72
BVpS26.77
TBVpS24.59
PEG (NY)N/A
PEG (5Y)8.77
Profitability
Industry RankSector 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 RankSector 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
WACC9.72%
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%-36.47%
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