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Price (delayed)
$31.57
Market cap
$238.18M
P/E Ratio
11.91
Dividend/share
$1.28
EPS
$2.65
Enterprise value
$532.24M
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
The company's net income rose by 26% YoY and by 15% QoQ
The EPS has grown by 20% YoY and by 14% from the previous quarter
PWOD's price to earnings (P/E) is 31% higher than its last 4 quarters average of 9.1 and 15% higher than its 5-year quarterly average of 10.4
Key stats
What are the main financial stats of PWOD
Market
Valuations
Earnings
Shares outstanding
7.54M
Market cap
$238.18M
Enterprise value
$532.24M
Price to earnings (P/E)
11.91
Price to book (P/B)
1.17
Price to sales (P/S)
3.48
EV/EBIT
22.24
EV/EBITDA
19.45
EV/Sales
7.78
Revenue
$68.44M
Gross profit
$68.44M
Net income
$19.55M
EBIT
$23.94M
EBITDA
$27.36M
Free cash flow
$12.81M
Per share
Balance sheet
Liquidity
EPS
$2.65
EPS diluted
$2.68
Free cash flow per share
$1.7
Book value per share
$27
Revenue per share
$9.07
TBVPS
$297.26
Total assets
$2.26B
Total liabilities
$2.06B
Debt
$333.75M
Equity
$203.69M
Working capital
N/A
Debt to equity
1.64
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
10.75
Margins
Efficiency
Dividend
EBITDA margin
40%
Gross margin
100%
Net margin
28.6%
Operating margin
35%
Return on assets
0.9%
Return on equity
10%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
35%
Dividend yield
4.05%
DPS
$1.28
Payout ratio
48.3%
PWOD stock price
How has the Penns Woods Bancorp stock price performed over time
Intraday
4.61%
1 week
-6.18%
1 month
5.8%
1 year
35.15%
YTD
40.25%
QTD
32.73%
Financial performance
How have Penns Woods Bancorp's revenue and profit performed over time
Revenue
$68.44M
Gross profit
$68.44M
Operating income
$23.94M
Net income
$19.55M
Gross margin
100%
Net margin
28.6%
The company's net income rose by 26% YoY and by 15% QoQ
The operating income has grown by 25% YoY and by 15% from the previous quarter
PWOD's net margin is up by 18% year-on-year and by 10% since the previous quarter
The company's operating margin rose by 17% YoY and by 10% QoQ
Growth
What is Penns Woods Bancorp's growth rate over time
Valuation
What is Penns Woods Bancorp stock price valuation
P/E
11.91
P/B
1.17
P/S
3.48
EV/EBIT
22.24
EV/EBITDA
19.45
EV/Sales
7.78
PWOD's price to earnings (P/E) is 31% higher than its last 4 quarters average of 9.1 and 15% higher than its 5-year quarterly average of 10.4
The EPS has grown by 20% YoY and by 14% from the previous quarter
The price to book (P/B) is 46% more than the last 4 quarters average of 0.8 and 17% more than the 5-year quarterly average of 1.0
PWOD's equity is up by 17% YoY and by 3.4% from the previous quarter
The P/S is 45% above the last 4 quarters average of 2.4 and 24% above the 5-year quarterly average of 2.8
Penns Woods Bancorp's revenue has increased by 7% YoY and by 4.4% QoQ
Efficiency
How efficient is Penns Woods Bancorp business performance
The return on assets rose by 29% year-on-year and by 13% since the previous quarter
The ROS has grown by 17% YoY and by 10% from the previous quarter
Penns Woods Bancorp's return on invested capital has increased by 13% QoQ and by 13% YoY
The ROE has grown by 11% from the previous quarter and by 11% YoY
Dividends
What is PWOD's dividend history
DPS
$1.28
Dividend yield
4.05%
Payout ratio
48.3%
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 3.8% year-on-year
The company's total liabilities rose by 2.7% YoY
PWOD's debt is 64% greater than its equity
Penns Woods Bancorp's debt to equity has decreased by 31% YoY and by 12% QoQ
PWOD's debt is down by 19% year-on-year and by 9% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.