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PENNS WOODS BANCORP INC (PWOD) Stock Fundamental Analysis

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

28.87  +0.15 (+0.52%)

After market: 28.87 0 (0%)

Fundamental Rating

4

Overall PWOD gets a fundamental rating of 4 out of 10. We evaluated PWOD against 395 industry peers in the Banks industry. PWOD has only an average score on both its financial health and profitability. PWOD is valued expensive and it does not seem to be growing. PWOD also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

PWOD had positive earnings in the past year.
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.
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 60.76% 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 66.58% 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

The Profit Margin of PWOD (30.00%) is better than 82.53% 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 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
PWOD has more shares outstanding than it did 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

PWOD has a debt to FCF ratio of 0.55. This is a very positive value and a sign of high solvency as it would only need 0.55 years to pay back of 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 82.28% of the companies in the same industry.
A Debt/Equity ratio of 0.04 indicates that PWOD is not too dependend on debt financing.
PWOD has a better Debt to Equity ratio (0.04) than 82.03% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.55
Altman-Z N/A
ROIC/WACCN/A
WACC12.42%
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

The Earnings Per Share has grown by an impressive 28.83% over the past year.
PWOD shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.34% yearly.
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

PWOD is valuated reasonably with a Price/Earnings ratio of 10.31.
Compared to the rest of the industry, the Price/Earnings ratio of PWOD indicates a somewhat cheap valuation: PWOD is cheaper than 69.87% of the companies listed in the same industry.
PWOD's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.35.
Industry RankSector Rank
PE 10.31
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 13.62
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)7.68
EPS Next 2YN/A
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.46%, PWOD is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.56, PWOD pays a better dividend. On top of this PWOD pays more dividend than 81.52% of the companies listed in the same industry.
PWOD's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
Industry RankSector Rank
Dividend Yield 4.46%

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.
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

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 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 (6/20/2025, 8:00:02 PM)

After market: 28.87 0 (0%)

28.87

+0.15 (+0.52%)

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 Change-0.75%
Ins Owners5.13%
Ins Owner Change13.7%
Market Cap219.70M
Analysts0
Price TargetN/A
Short Float %0.4%
Short Ratio1.23
Dividend
Industry RankSector Rank
Dividend Yield 4.46%
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 10.31
Fwd PE N/A
P/S 3.09
P/FCF 13.62
P/OCF 12.8
P/B 1.04
P/tB 1.12
EV/EBITDA N/A
EPS(TTM)2.8
EY9.7%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.12
FCFY7.34%
OCF(TTM)2.25
OCFY7.81%
SpS9.33
BVpS27.86
TBVpS25.69
PEG (NY)N/A
PEG (5Y)7.68
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
WACC12.42%
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%