PENNS WOODS BANCORP INC (PWOD)

US7084301032 - Common Stock

19.115  -0.14 (-0.7%)

Fundamental Rating

3

Overall PWOD gets a fundamental rating of 3 out of 10. We evaluated PWOD against 415 industry peers in the Banks industry. While PWOD seems to be doing ok healthwise, there are quite some concerns on its profitability. PWOD has a expensive valuation and it also scores bad on growth.



3

1. Profitability

1.1 Basic Checks

PWOD had positive earnings in the past year.
PWOD had a positive operating cash flow in the past year.
PWOD had positive earnings in each of the past 5 years.
PWOD had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

PWOD's Return On Assets of 0.75% is on the low side compared to the rest of the industry. PWOD is outperformed by 63.37% of its industry peers.
Looking at the Return On Equity, with a value of 8.67%, PWOD is in line with its industry, outperforming 40.48% of the companies in the same industry.
Industry RankSector Rank
ROA 0.75%
ROE 8.67%
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

PWOD has a Profit Margin of 26.21%. This is in the better half of the industry: PWOD outperforms 60.48% of its industry peers.
In the last couple of years the Profit Margin of PWOD has remained more or less at the same level.
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) 26.21%
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

4

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.
The debt/assets ratio for PWOD has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of PWOD is 0.62, which is an excellent value as it means it would take PWOD, only 0.62 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.62, PWOD belongs to the best of the industry, outperforming 80.48% of the companies in the same industry.
A Debt/Equity ratio of 0.06 indicates that PWOD is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.06, PWOD belongs to the best of the industry, outperforming 81.69% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.62
Altman-Z N/A
ROIC/WACCN/A
WACC10.61%

2.3 Liquidity

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

1

3. Growth

3.1 Past

PWOD shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.66%.
The Earnings Per Share has been growing slightly by 2.24% on average over the past years.
Looking at the last year, PWOD shows a decrease in Revenue. The Revenue has decreased by -4.72% in the last year.
PWOD shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.03% yearly.
EPS 1Y (TTM)-6.66%
EPS 3Y2.63%
EPS 5Y2.24%
EPS growth Q2Q19.61%
Revenue 1Y (TTM)-4.72%
Revenue growth 3Y1.6%
Revenue growth 5Y2.03%
Revenue growth Q2Q-8.29%

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.

3

4. Valuation

4.1 Price/Earnings Ratio

PWOD is valuated reasonably with a Price/Earnings ratio of 8.27.
PWOD's Price/Earnings ratio is a bit cheaper when compared to the industry. PWOD is cheaper than 70.84% of the companies in the same industry.
When comparing the Price/Earnings ratio of PWOD to the average of the S&P500 Index (26.42), we can say PWOD is valued rather cheaply.
Industry RankSector Rank
PE 8.27
Fwd PE N/A

4.2 Price Multiples

61.69% of the companies in the same industry are more expensive than PWOD, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 7.97
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)3.69
EPS Next 2YN/A
EPS Next 3YN/A

6

5. Dividend

5.1 Amount

PWOD has a Yearly Dividend Yield of 6.82%, which is a nice return.
Compared to an average industry Dividend Yield of 3.70, PWOD pays a better dividend. On top of this PWOD pays more dividend than 95.18% of the companies listed in the same industry.
PWOD's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
Industry RankSector Rank
Dividend Yield 6.82%

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

55.19% of the earnings are spent on dividend by PWOD. This is a bit on the high side, but may be sustainable.
DP55.19%
EPS Next 2YN/A
EPS Next 3YN/A

PENNS WOODS BANCORP INC

NASDAQ:PWOD (3/28/2024, 11:12:10 AM)

19.115

-0.14 (-0.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap143.55M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 6.82%
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)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
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 RankSector Rank
PE 8.27
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)3.69
Profitability
Industry RankSector Rank
ROA 0.75%
ROE 8.67%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 26.21%
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 RankSector 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)
Growth
EPS 1Y (TTM)-6.66%
EPS 3Y2.63%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-4.72%
Revenue growth 3Y1.6%
Revenue growth 5Y
Revenue growth 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