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PENNS WOODS BANCORP INC (PWOD) Stock Fundamental Analysis

NASDAQ:PWOD - Nasdaq - US7084301032 - Common Stock - Currency: USD

31.82  -0.2 (-0.62%)

After market: 31.82 0 (0%)

Fundamental Rating

4

Overall PWOD gets a fundamental rating of 4 out of 10. We evaluated PWOD against 396 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.


Dividend Valuation Growth Profitability Health

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4

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

1.2 Ratios

The Return On Assets of PWOD (0.95%) is better than 60.86% of its industry peers.
PWOD's Return On Equity of 10.05% is fine compared to the rest of the industry. PWOD outperforms 67.17% of its industry peers.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 30.00%, PWOD belongs to the top of the industry, outperforming 82.83% of the companies in the same industry.
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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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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.
Compared to 1 year ago, PWOD has an improved debt to assets ratio.
PWOD Yearly Shares OutstandingPWOD Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 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.
PWOD has a better Debt to FCF ratio (0.55) than 82.58% of its industry peers.
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 82.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.55
Altman-Z N/A
ROIC/WACCN/A
WACC11.83%
PWOD Yearly LT Debt VS Equity VS FCFPWOD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

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3

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.
PWOD shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.70%.
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.
PWOD Yearly Revenue VS EstimatesPWOD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.36, the valuation of PWOD can be described as very reasonable.
68.43% of the companies in the same industry are more expensive than PWOD, based on the Price/Earnings ratio.
PWOD is valuated cheaply when we compare the Price/Earnings ratio to 27.50, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.36
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

PWOD's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 15.01
EV/EBITDA N/A
PWOD Per share dataPWOD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)8.46
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

PWOD has a Yearly Dividend Yield of 4.00%.
PWOD's Dividend Yield is a higher than the industry average which is at 3.25.
PWOD's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
Industry RankSector Rank
Dividend Yield 4%

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
PWOD Yearly Dividends per sharePWOD Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

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
PWOD Yearly Income VS Free CF VS DividendPWOD Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 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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PENNS WOODS BANCORP INC

NASDAQ:PWOD (7/18/2025, 8:05:38 PM)

After market: 31.82 0 (0%)

31.82

-0.2 (-0.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24
Earnings (Next)07-23 2025-07-23
Inst Owners29.84%
Inst Owner Change0.08%
Ins Owners5.13%
Ins Owner Change13.7%
Market Cap242.15M
Analysts0
Price TargetN/A
Short Float %2.56%
Short Ratio4.41
Dividend
Industry RankSector Rank
Dividend Yield 4%
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 RankSector Rank
PE 11.36
Fwd PE N/A
P/S 3.41
P/FCF 15.01
P/OCF 14.11
P/B 1.14
P/tB 1.24
EV/EBITDA N/A
EPS(TTM)2.8
EY8.8%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.12
FCFY6.66%
OCF(TTM)2.25
OCFY7.09%
SpS9.33
BVpS27.86
TBVpS25.69
PEG (NY)N/A
PEG (5Y)8.46
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
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 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
WACC11.83%
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%