PENNS WOODS BANCORP INC (PWOD) Fundamental Analysis & Valuation

NASDAQ:PWOD • US7084301032

Current stock price

30 USD
-0.5 (-1.64%)
At close:
30.03 USD
+0.03 (+0.1%)
After Hours:

This PWOD fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. PWOD Profitability Analysis

1.1 Basic Checks

  • In the past year PWOD was profitable.
  • PWOD had a positive operating cash flow in the past year.
  • Each year in the past 5 years PWOD has been profitable.
  • PWOD had a positive operating cash flow in each of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

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.
  • With a decent Return On Equity value of 10.05%, PWOD is doing good in the industry, outperforming 67.68% of the companies in the same industry.
Industry RankSector 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
PWOD Yearly ROA, ROE, ROICPWOD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • PWOD has a Profit Margin of 30.00%. This is amongst the best in the industry. PWOD outperforms 83.21% of its industry peers.
  • 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 RankSector 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
PWOD Yearly Profit, Operating, Gross MarginsPWOD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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4

2. PWOD Health Analysis

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.
  • PWOD has a better debt/assets ratio than last year.
PWOD Yearly Shares OutstandingPWOD Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

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.
  • A Debt/Equity ratio of 0.04 indicates that PWOD is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.04, PWOD belongs to the top of the industry, outperforming 81.93% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.55
Altman-Z N/A
ROIC/WACCN/A
WACC9.07%
PWOD Yearly LT Debt VS Equity VS FCFPWOD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. PWOD Growth Analysis

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.
  • The Earnings Per Share has been growing slightly by 1.34% on average over the past years.
  • The Revenue has grown by 12.70% 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)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.
PWOD Yearly Revenue VS EstimatesPWOD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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2

4. PWOD Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.71 indicates a reasonable valuation of PWOD.
  • 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 25.96. PWOD is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.71
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

  • 87.02% of the companies in the same industry are cheaper than PWOD, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 275.86
EV/EBITDA N/A
PWOD Per share dataPWOD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5 2 2.5

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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7

5. PWOD Dividend Analysis

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 2.90, 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 1.91.
Industry RankSector 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
PWOD Yearly Dividends per sharePWOD Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

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.
  • PWOD's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP45.44%
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 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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PWOD Fundamentals: All Metrics, Ratios and Statistics

PENNS WOODS BANCORP INC

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

After market: 30.03 +0.03 (+0.1%)

30

-0.5 (-1.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23
Earnings (Next)10-22
Inst Owners29.84%
Inst Owner Change-100%
Ins Owners5.13%
Ins Owner Change0%
Market Cap4.45B
Revenue(TTM)71.00M
Net Income(TTM)21.30M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.27%
Yearly Dividend1.28
Dividend Growth(5Y)0.19%
DP45.44%
Div Incr Years0
Div Non Decr Years2
Ex-DateN/A
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 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
Graham NumberN/A
Profitability
Industry RankSector 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
ROICexgc growth 3YN/A
ROICexgc 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 RankSector 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 Fundamental Analysis 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%.