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Price (delayed)
$24.2
Market cap
$182.58M
P/E Ratio
10.43
Dividend/share
$1.28
EPS
$2.32
Enterprise value
$513.98M
Penns Woods Bancorp, Inc. is the bank holding company for Jersey Shore State Bank and Luzerne Bank. The banks serve customers in North Central and North Eastern Pennsylvania through their
Highlights
PWOD's equity is up by 13% YoY
PWOD's debt is down by 5% year-on-year and by 2.5% since the previous quarter
The EPS has contracted by 12% YoY but it has grown by 6% from the previous quarter
The company's net income fell by 9% YoY but it rose by 8% QoQ
PWOD's price to earnings (P/E) is 14% higher than its last 4 quarters average of 9.2
Penns Woods Bancorp's revenue has decreased by 2% YoY
Key stats
What are the main financial stats of PWOD
Market
Valuations
Earnings
Shares outstanding
7.54M
Market cap
$182.58M
Enterprise value
$513.98M
Price to earnings (P/E)
10.43
Price to book (P/B)
0.92
Price to sales (P/S)
2.78
EV/EBIT
24.78
EV/EBITDA
21.36
EV/Sales
7.84
Revenue
$65.53M
EBIT
$20.75M
EBITDA
$24.06M
Free cash flow
$12.95M
Per share
Balance sheet
Liquidity
EPS
$2.32
Free cash flow per share
$1.72
Book value per share
$26.18
Revenue per share
$8.7
TBVPS
$294.59
Total assets
$2.23B
Total liabilities
$2.04B
Debt
$366.5M
Equity
$197.09M
Working capital
N/A
Debt to equity
1.86
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
13.77
Margins
Efficiency
Dividend
EBITDA margin
36.7%
Gross margin
100%
Net margin
25.9%
Operating margin
31.7%
Return on assets
0.8%
Return on equity
9%
Return on invested capital
0.8%
Return on capital employed
N/A
Return on sales
31.7%
Dividend yield
5.29%
DPS
$1.28
Payout ratio
55.2%
PWOD stock price
How has the Penns Woods Bancorp stock price performed over time
Intraday
-0.21%
1 week
1.3%
1 month
14.96%
1 year
15.13%
YTD
7.51%
QTD
1.74%
Financial performance
How have Penns Woods Bancorp's revenue and profit performed over time
Revenue
$65.53M
Gross profit
$65.53M
Operating income
$20.75M
Net income
$16.98M
Gross margin
100%
Net margin
25.9%
The operating income has contracted by 10% YoY but it has grown by 8% from the previous quarter
The company's net income fell by 9% YoY but it rose by 8% QoQ
The company's operating margin fell by 8% YoY but it rose by 6% QoQ
PWOD's net margin is down by 7% year-on-year but it is up by 6% since the previous quarter
Growth
What is Penns Woods Bancorp's growth rate over time
Valuation
What is Penns Woods Bancorp stock price valuation
P/E
10.43
P/B
0.92
P/S
2.78
EV/EBIT
24.78
EV/EBITDA
21.36
EV/Sales
7.84
PWOD's price to earnings (P/E) is 14% higher than its last 4 quarters average of 9.2
The EPS has contracted by 12% YoY but it has grown by 6% from the previous quarter
The price to book (P/B) is 16% more than the last 4 quarters average of 0.8 but 7% less than the 5-year quarterly average of 1.0
PWOD's equity is up by 13% YoY
The P/S is 16% above the last 4 quarters average of 2.4
Penns Woods Bancorp's revenue has decreased by 2% YoY
Efficiency
How efficient is Penns Woods Bancorp business performance
Penns Woods Bancorp's return on invested capital has decreased by 20% YoY
The ROE has contracted by 17% YoY but it has grown by 4.7% from the previous quarter
The return on assets rose by 14% since the previous quarter but it has declined by 11% year-on-year
The ROS has contracted by 8% YoY but it has grown by 6% from the previous quarter
Dividends
What is PWOD's dividend history
DPS
$1.28
Dividend yield
5.29%
Payout ratio
55.2%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Penns Woods Bancorp financials performed over time
PWOD's total assets is 10% greater than its total liabilities
PWOD's total assets is up by 4.7% year-on-year
The company's total liabilities rose by 3.9% YoY
PWOD's debt is 86% greater than its equity
Penns Woods Bancorp's debt to equity has decreased by 16% YoY and by 4.1% QoQ
PWOD's equity is up by 13% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.