PWOD Fundamental Analysis - PENNS WOODS BANCORP INC

Fundamental Rating

PWOD gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. PWOD has only an average score on both its financial health and profitability. PWOD does not seem to be growing, but still is valued expensively. Finally PWOD also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year PWOD was profitable.

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

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's Return On Assets of 0.95% is fine compared to the rest of the industry. PWOD outperforms 60.81% of its industry peers.

Looking at the Return On Equity, with a value of 10.05%, PWOD is in the better half of the industry, outperforming 67.68% of the companies in the same industry.

		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.

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)	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

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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.

PWOD has more shares outstanding than it did 1 year ago.

The number of shares outstanding for PWOD has been increased compared to 5 years ago.

Compared to 1 year ago, PWOD has an improved debt to assets ratio.

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.

Looking at the Debt to FCF ratio, with a value of 0.55, PWOD belongs to the top of the industry, outperforming 81.93% of the companies in the same industry.

PWOD has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.

PWOD has a better Debt to Equity ratio (0.04) than 81.93% of its industry peers.

		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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

PWOD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 28.83%, which is quite impressive.

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 12.70% in the last year.

Measured over the past years, PWOD shows a small growth in Revenue. The Revenue has been growing by 2.26% on average per year.

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.71, the valuation of PWOD can be described as very reasonable.

Compared to the rest of the industry, the Price/Earnings ratio of PWOD indicates a somewhat cheap valuation: PWOD is cheaper than 63.10% of the companies listed in the same industry.

The average S&P500 Price/Earnings ratio is at 26.41. PWOD is valued rather cheaply when compared to this.

		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

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.27%, PWOD is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.54, PWOD pays a bit more dividend than its industry peers.

PWOD's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.

		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 paid a dividend for at least 10 years, which is a reliable track record.

The dividend of PWOD decreased in the last 3 years.

Dividend Growth(5Y)0.19%

Div Incr Years0

Div Non Decr Years2

5.3 Sustainability

PWOD pays out 45.44% of its income as dividend. 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

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PENNS WOODS BANCORP INC

NASDAQ:PWOD (7/25/2025, 8:18:42 PM)

After market: 30.03 +0.03 (+0.1%)

-0.5 (-1.64%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-23 2025-07-23

Earnings (Next)10-22 2025-10-22

Inst Owners29.84%

Inst Owner Change8.31%

Ins Owners5.13%

Ins Owner Change-291.26%

Market Cap4.45B

Analysts0

Price TargetN/A

Short Float %2.83%

Short Ratio4.57

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.27%

Yearly Dividend1.28

Dividend Growth(5Y)0.19%

DP45.44%

Div Incr Years0

Div Non Decr Years2

Ex-Date06-10 2025-06-10 (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 Rank	Sector Rank
PE	10.71
Fwd PE	N/A
P/S	62.68
P/FCF	275.86
P/OCF	259.35
P/B	20.99
P/tB	22.77
EV/EBITDA	N/A

EPS(TTM)2.8

EY9.33%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)0.11

FCFY0.36%

OCF(TTM)0.12

OCFY0.39%

SpS0.48

BVpS1.43

TBVpS1.32

PEG (NY)N/A

PEG (5Y)7.98

Profitability

		Industry Rank	Sector Rank
ROA	0.95%
ROE	10.05%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	30%
GM	N/A
FCFM	22.72%

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-Score7

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.04
Debt/FCF	0.55
Debt/EBITDA	N/A
Cap/Depr	24.76%
Cap/Sales	1.45%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	75.75%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC9.07%

ROIC/WACCN/A

Cap/Depr(3y)22.33%

Cap/Depr(5y)35.38%

Cap/Sales(3y)1.2%

Cap/Sales(5y)1.97%

Profit Quality(3y)115.28%

Profit Quality(5y)115.52%

High Growth Momentum

Growth

EPS 1Y (TTM)28.83%

EPS 3Y1.19%

EPS 5Y1.34%

EPS Q2Q%88.04%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)12.7%

Revenue growth 3Y3.72%

Revenue growth 5Y2.26%

Sales Q2Q%15.41%

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-41.03%

FCF growth 3Y2.68%

FCF growth 5Y9.88%

OCF growth 1Y-38.52%

OCF growth 3Y2.62%

OCF growth 5Y6.63%

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