30 USD
-0.5 (-1.64%)
30.03 USD
+0.03 (+0.1%)
Overall PWOD gets a fundamental rating of 4 out of 10. We evaluated PWOD against 388 industry peers in the Banks industry. PWOD has an average financial health and profitability rating. PWOD does not seem to be growing, but still is valued expensively. Finally PWOD also has an excellent dividend rating.
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.
Each year in the past 5 years PWOD has been profitable.
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.
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 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
With an excellent Profit Margin value of 30.00%, PWOD belongs to the best of the industry, outperforming 83.21% of the companies in the same 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) | 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.
PWOD has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, PWOD has more shares outstanding
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.
PWOD has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
PWOD's Debt to Equity ratio of 0.04 is amongst the best of the industry. PWOD outperforms 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 |
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.
The Revenue has grown by 12.70% in the past year. This is quite good.
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
With a Price/Earnings ratio of 10.71, the valuation of PWOD can be described as very reasonable.
PWOD's Price/Earnings ratio is a bit cheaper when compared to the industry. PWOD is cheaper than 63.10% of the companies in the same industry.
PWOD is valuated cheaply when we compare the Price/Earnings ratio to 26.39, which is the current average of the S&P500 Index.
| 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 expensively inside the industry as 87.02% of the companies are valued cheaper.
| 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.
Compared to an average industry Dividend Yield of 2.74, PWOD pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, 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.
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.
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
30
-0.5 (-1.64%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners29.84%
Inst Owner Change-99.12%
Ins Owners5.13%
Ins Owner Change-301.23%
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 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-Date
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
Graham NumberN/A
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
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 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 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 of PENNS WOODS BANCORP INC (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 PE and PB ratios for PWOD stock?
The Price/Earnings (PE) ratio for PENNS WOODS BANCORP INC (PWOD) is 10.71 and the Price/Book (PB) ratio is 20.99.
How sustainable is the dividend of PENNS WOODS BANCORP INC (PWOD) stock?
The dividend rating of PENNS WOODS BANCORP INC (PWOD) is 7 / 10 and the dividend payout ratio is 45.44%.