PENNS WOODS BANCORP INC(NASDAQ:PWOD) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, PWOD scores 3 out of 10 in our fundamental rating. PWOD was compared to 395 industry peers in the Banks industry. While PWOD seems to be doing ok healthwise, there are quite some concerns on its profitability. PWOD is valued expensive and it does not seem to be growing. PWOD also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year PWOD was profitable.

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.

1.2 Ratios

PWOD has a Return On Assets (0.79%) which is comparable to the rest of the industry.

PWOD's Return On Equity of 8.64% is in line compared to the rest of the industry. PWOD outperforms 52.91% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

Looking at the Profit Margin, with a value of 25.90%, PWOD is in the better half of the industry, outperforming 65.57% 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.

The Operating Margin and Gross Margin are not available for PWOD so they could not be analyzed.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

PWOD does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for PWOD has been increased compared to 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

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.

The Debt to FCF ratio of PWOD (0.47) is better 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.

PWOD has a Debt to Equity ratio of 0.04. This is amongst the best in the industry. PWOD outperforms 82.28% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.04
Debt/FCF	0.47
Altman-Z	N/A

ROIC/WACCN/A

WACC11.86%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.49, which indicates a very decent valuation of PWOD.

71.39% of the companies in the same industry are more expensive than PWOD, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 26.35, PWOD is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.49
Fwd PE	N/A

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as PWOD.

		Industry Rank	Sector Rank
P/FCF	12.3
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)7.81

EPS Next 2YN/A

EPS Next 3YN/A

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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.

Compared to an average S&P500 Dividend Yield of 2.40, PWOD pays a better dividend.

		Industry Rank	Sector 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

5.3 Sustainability

54.37% of the earnings are spent on dividend by PWOD. 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

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PENNS WOODS BANCORP INC

NASDAQ:PWOD (5/28/2025, 3:07:10 PM)

29.36

+0.09 (+0.31%)

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 Cap223.43M

Analysts0

Price TargetN/A

Short Float %0.37%

Short Ratio1.12

Dividend

		Industry Rank	Sector 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 Rank	Sector Rank
PE	10.49
Fwd PE	N/A
P/S	3.26
P/FCF	12.3
P/OCF	11.54
P/B	1.09
P/tB	1.18
EV/EBITDA	N/A

EPS(TTM)2.8

EY9.54%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)2.39

FCFY8.13%

OCF(TTM)2.54

OCFY8.67%

SpS9

BVpS26.97

TBVpS24.79

PEG (NY)N/A

PEG (5Y)7.81

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC11.86%

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%

PENNS WOODS BANCORP INC (PWOD) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens