30 USD
-0.5 (-1.64%)
30.03 USD
+0.03 (+0.1%)
We assign a fundamental rating of 4 out of 10 to PWOD. PWOD was compared to 383 industry peers in the Banks industry. PWOD has an average financial health and profitability rating. PWOD is valued expensive and it does not seem to be growing. Finally PWOD also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year PWOD was profitable.
- PWOD had a positive operating cash flow in the past year.
- PWOD had positive earnings in each of the past 5 years.
- Each year in the past 5 years PWOD had a positive operating cash flow.
1.2 Ratios
- With a decent Return On Assets value of 0.95%, PWOD is doing good in the industry, outperforming 60.81% of the companies in the same industry.
- PWOD's Return On Equity of 10.05% is fine compared to the rest of the industry. PWOD outperforms 67.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 10.05% | ||
| 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
- The Profit Margin of PWOD (30.00%) is better than 83.21% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 30% | ||
| 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
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.
- PWOD has a better debt/assets ratio than last year.
2.2 Solvency
- The Debt to FCF ratio of PWOD is 0.55, which is an excellent value as it means it would take PWOD, only 0.55 years of fcf income to pay off all of its debts.
- With an excellent Debt to FCF ratio value of 0.55, PWOD belongs to the best of the industry, outperforming 81.93% of the companies in the same industry.
- A Debt/Equity ratio of 0.04 indicates that PWOD is not too dependend on debt financing.
- With an excellent Debt to Equity ratio value of 0.04, PWOD belongs to the best of the industry, outperforming 81.93% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.55 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.07%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 28.83% 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.
- PWOD shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.70%.
- The Revenue has been growing slightly by 2.26% on average over the past years.
EPS 1Y (TTM)28.83%
EPS 3Y1.19%
EPS 5Y1.34%
EPS Q2Q%88.04%
Revenue 1Y (TTM)12.7%
Revenue growth 3Y3.72%
Revenue growth 5Y2.26%
Sales Q2Q%15.41%
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
- PWOD is valuated reasonably with a Price/Earnings ratio of 10.71.
- 63.10% 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 27.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.71 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, PWOD is valued more expensive than 87.02% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 275.86 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)7.98
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.27%, PWOD is a good candidate for dividend investing.
- PWOD's Dividend Yield is a higher than the industry average which is at 2.84.
- Compared to an average S&P500 Dividend Yield of 1.82, PWOD pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.27% |
5.2 History
- The dividend of PWOD has a limited annual growth rate of 0.19%.
- PWOD has been paying a dividend for at least 10 years, so it has a reliable track record.
- PWOD has decreased its dividend in the last 3 years.
Dividend Growth(5Y)0.19%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
- 45.44% of the earnings are spent on dividend by PWOD. This is a bit on the high side, but may be sustainable.
- The dividend of PWOD is growing, but earnings are growing more, so the dividend growth is sustainable.
DP45.44%
EPS Next 2YN/A
EPS Next 3YN/A
PENNS WOODS BANCORP INC / PWOD FAQ
Can you provide the ChartMill fundamental rating for PENNS WOODS BANCORP INC?
ChartMill assigns a fundamental rating of 4 / 10 to PWOD.
What is the valuation status for PWOD stock?
ChartMill assigns a valuation rating of 2 / 10 to PENNS WOODS BANCORP INC (PWOD). This can be considered as Overvalued.
How profitable is PENNS WOODS BANCORP INC (PWOD) stock?
PENNS WOODS BANCORP INC (PWOD) has a profitability rating of 4 / 10.
Can you provide the dividend sustainability for PWOD stock?
The dividend rating of PENNS WOODS BANCORP INC (PWOD) is 7 / 10 and the dividend payout ratio is 45.44%.