PENNS WOODS BANCORP INC (PWOD)
US7084301032 - Common Stock
We assign a fundamental rating of 3 out of 10 to PWOD. PWOD was compared to 411 industry peers in the Banks industry. PWOD has a bad profitability rating. Also its financial health evaluation is rather negative. PWOD does not seem to be growing, but still is valued expensively.
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.
In the past 5 years PWOD always reported a positive cash flow from operatings.
1.2 Ratios
PWOD has a Return On Assets of 0.71%. This is in the lower half of the industry: PWOD underperforms 60.58% of its industry peers.
PWOD has a Return On Equity (8.14%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 8.14% | ||
| ROIC | N/A |
ROA(3y)0.82%
ROA(5y)0.84%
ROE(3y)9.45%
ROE(5y)9.55%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of PWOD (25.01%) is comparable to the rest of the industry.
PWOD's Profit Margin has been stable in the last couple of years.
PWOD does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.01% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.35%
PM growth 5Y0.43%
GM growth 3YN/A
GM growth 5YN/A
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.
PWOD has more shares outstanding than it did 5 years ago.
The debt/assets ratio for PWOD has been reduced compared to a year ago.
2.2 Solvency
PWOD has a debt to FCF ratio of 1.21. This is a very positive value and a sign of high solvency as it would only need 1.21 years to pay back of all of its debts.
The Debt to FCF ratio of PWOD (1.21) is better than 72.75% of its industry peers.
A Debt/Equity ratio of 0.06 indicates that PWOD is not too dependend on debt financing.
The Debt to Equity ratio of PWOD (0.06) is better than 82.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 1.21 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.46%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PWOD shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.08%.
The Earnings Per Share has been growing slightly by 2.24% on average over the past years.
The Revenue has decreased by -7.07% in the past year.
Measured over the past years, PWOD shows a small growth in Revenue. The Revenue has been growing by 2.03% on average per year.
EPS 1Y (TTM)-17.08%
EPS 3Y2.63%
EPS 5Y2.24%
EPS Q2Q%-20.8%
Revenue 1Y (TTM)-7.07%
Revenue growth 3Y1.6%
Revenue growth 5Y2.03%
Sales Q2Q%-2.11%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.16, which indicates a very decent valuation of PWOD.
64.48% of the companies in the same industry are more expensive than PWOD, based on the Price/Earnings ratio.
PWOD's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.05.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.16 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, PWOD is valued a bit more expensive than the industry average as 73.48% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.29 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)4.08
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.57%, PWOD is a good candidate for dividend investing.
PWOD's Dividend Yield is rather good when compared to the industry average which is at 3.78. PWOD pays more dividend than 94.89% of the companies in the same industry.
PWOD's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.57% |
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
59.09% of the earnings are spent on dividend by PWOD. This is a bit on the high side, but may be sustainable.
DP59.09%
EPS Next 2YN/A
EPS Next 3YN/A
PENNS WOODS BANCORP INC
NASDAQ:PWOD (5/31/2024, 7:01:41 PM)
After market: 19.87 0 (0%)19.87
+0.31 (+1.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap149.62M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.57% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
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Min Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.16 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)4.08
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 8.14% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 25.01% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-17.08%
EPS 3Y2.63%
EPS 5Y
EPS Q2Q%
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-7.07%
Revenue growth 3Y1.6%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y