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PENNS WOODS BANCORP INC (PWOD) Stock Fundamental Analysis

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

29.47  -0.09 (-0.3%)

Fundamental Rating

3

PWOD gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. The financial health of PWOD is average, but there are quite some concerns on its profitability. PWOD has a expensive valuation and it also scores bad on growth. PWOD also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year PWOD was profitable.
PWOD had a positive operating cash flow in the past year.
In the past 5 years PWOD has always been profitable.
In the past 5 years PWOD always reported a positive cash flow from operatings.
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

PWOD has a Return On Assets of 0.79%. This is comparable to the rest of the industry: PWOD outperforms 46.33% of its industry peers.
PWOD has a Return On Equity (8.64%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.79%
ROE 8.64%
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 (25.90%) is better than 65.57% 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) 25.9%
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.
Compared to 5 years ago, PWOD has more shares outstanding
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

PWOD has a debt to FCF ratio of 0.47. This is a very positive value and a sign of high solvency as it would only need 0.47 years to pay back of all of its debts.
PWOD has a better Debt to FCF ratio (0.47) than 82.28% 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 82.28% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.47
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.
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.
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 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

The Price/Earnings ratio is 10.53, which indicates a very decent valuation of PWOD.
PWOD's Price/Earnings ratio is a bit cheaper when compared to the industry. PWOD is cheaper than 70.13% of the companies in the same industry.
When comparing the Price/Earnings ratio of PWOD to the average of the S&P500 Index (26.19), we can say PWOD is valued rather cheaply.
Industry RankSector Rank
PE 10.53
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of PWOD is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 12.35
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)7.84
EPS Next 2YN/A
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.30%, PWOD is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.45, 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 2.40.
Industry RankSector Rank
Dividend Yield 4.3%

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 recently.
Dividend Growth(5Y)0.19%
Div Incr Years0
Div Non Decr Years1
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 54.37% 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.
DP54.37%
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 (5/30/2025, 11:51:15 AM)

29.47

-0.09 (-0.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24
Earnings (Next)07-23 2025-07-23
Inst Owners30.47%
Inst Owner Change-0.76%
Ins Owners4.96%
Ins Owner Change13.7%
Market Cap224.27M
Analysts0
Price TargetN/A
Short Float %0.37%
Short Ratio1.12
Dividend
Industry RankSector Rank
Dividend Yield 4.3%
Yearly Dividend1.28
Dividend Growth(5Y)0.19%
DP54.37%
Div Incr Years0
Div Non Decr Years1
Ex-Date03-11 2025-03-11 (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 10.53
Fwd PE N/A
P/S 3.27
P/FCF 12.35
P/OCF 11.58
P/B 1.09
P/tB 1.19
EV/EBITDA N/A
EPS(TTM)2.8
EY9.5%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.39
FCFY8.1%
OCF(TTM)2.54
OCFY8.63%
SpS9
BVpS26.97
TBVpS24.79
PEG (NY)N/A
PEG (5Y)7.84
Profitability
Industry RankSector Rank
ROA 0.79%
ROE 8.64%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.9%
GM N/A
FCFM 26.52%
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 0.47
Debt/EBITDA N/A
Cap/Depr 29.17%
Cap/Sales 1.75%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 102.4%
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 1Y0.83%
FCF growth 3Y2.68%
FCF growth 5Y9.88%
OCF growth 1Y2.88%
OCF growth 3Y2.62%
OCF growth 5Y6.63%