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PENNS WOODS BANCORP INC (PWOD) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:PWOD - US7084301032 - Common Stock

30 USD
-0.5 (-1.64%)
Last: 7/25/2025, 8:18:42 PM
30.03 USD
+0.03 (+0.1%)
After Hours: 7/25/2025, 8:18:42 PM
Fundamental Rating

4

Taking everything into account, PWOD scores 4 out of 10 in our fundamental rating. PWOD was compared to 385 industry peers in the Banks industry. PWOD has an average financial health and profitability rating. PWOD has a expensive valuation and it also scores bad on growth. Finally 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.
PWOD had a positive operating cash flow in the past year.
PWOD had positive earnings in each of the past 5 years.
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 60.81% 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 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

PWOD's Profit Margin of 30.00% is amongst the best of the industry. PWOD outperforms 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.
The Operating Margin and Gross Margin are not available for PWOD so they could not be analyzed.
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.
PWOD has more shares outstanding than it did 1 year ago.
PWOD has more shares outstanding than it did 5 years ago.
The debt/assets ratio for PWOD has been reduced compared to a year ago.
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's Debt to FCF ratio of 0.55 is amongst the best of the industry. PWOD outperforms 81.93% 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.
The Debt to Equity ratio of PWOD (0.04) is better than 81.93% of its industry peers.
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 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.
The Revenue has grown by 12.70% in the past year. This is quite good.
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 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.
The average S&P500 Price/Earnings ratio is at 26.43. 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

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 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. Dividend

5.1 Amount

PWOD has a Yearly Dividend Yield of 4.27%, which is a nice return.
Compared to an average industry Dividend Yield of 2.70, 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 1.87.
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 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
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.
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 (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 2025-07-23
Earnings (Next)10-22 2025-10-22
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 RankSector 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 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 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%.