PWOD Penns Woods Bancorp Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: PWOD

Price (delayed)

$17.6

Market cap

$132.24M

P/E Ratio

7.52

Dividend/share

$1.28

EPS

$2.34

Enterprise value

$495.88M

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 price to earnings (P/E) is 31% lower than its 5-year quarterly average of 10.9 and 20% lower than its last 4 quarters average of 9.4
PWOD's equity is up by 14% YoY and by 10% from the previous quarter
PWOD's debt has surged by 55% year-on-year but it is down by 3.1% since the previous quarter
The company's net income rose by 7% QoQ but it fell by 4.7% YoY
Sector: Financial Services
Industry: Banks - Regional
Website: http://pwod.com
Peers: STBA CZNC FCF UVSP

Key stats

What are the main financial stats of PWOD
Market
Shares outstanding
7.51M
Market cap
$132.24M
Enterprise value
$495.88M
Valuations
Price to earnings (P/E)
7.52
Price to book (P/B)
0.66
Price to sales (P/S)
1.93
EV/EBIT
24.4
EV/EBITDA
21.31
EV/Sales
7.65
Earnings
Revenue
$64.82M
EBIT
$20.32M
EBITDA
$23.27M
Free cash flow
$18.57M
Per share
EPS
$2.34
Free cash flow per share
$2.61
Book value per share
$26.74
Revenue per share
$9.11
TBVPS
$307.65
Balance sheet
Total assets
$2.2B
Total liabilities
$2.01B
Debt
$401.09M
Equity
$191.56M
Working capital
N/A
Liquidity
Debt to equity
2.09
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
15.63
Margins
EBITDA margin
35.9%
Gross margin
100%
Net margin
25.6%
Operating margin
31.4%
Efficiency
Return on assets
0.8%
Return on equity
9.3%
Return on invested capital
0.8%
Return on capital employed
N/A
Return on sales
31.4%
Dividend
Dividend yield
7.27%
DPS
$1.28
Payout ratio
54.7%

PWOD stock price

How has the Penns Woods Bancorp stock price performed over time
Intraday
1.85%
1 week
1.21%
1 month
-5.88%
1 year
-21.81%
YTD
-21.81%
QTD
-9.33%

Financial performance

How have Penns Woods Bancorp's revenue and profit performed over time
Revenue
$64.82M
Gross profit
$64.82M
Operating income
$20.32M
Net income
$16.61M
Gross margin
100%
Net margin
25.6%
The company's net income rose by 7% QoQ but it fell by 4.7% YoY
The operating income has contracted by 6% YoY but it has grown by 6% from the previous quarter
The company's operating margin fell by 6% YoY but it rose by 4.7% QoQ
PWOD's net margin is up by 5% since the previous quarter but it is down by 5% year-on-year

Growth

What is Penns Woods Bancorp's growth rate over time

Valuation

What is Penns Woods Bancorp stock price valuation
P/E
7.52
P/B
0.66
P/S
1.93
EV/EBIT
24.4
EV/EBITDA
21.31
EV/Sales
7.65
PWOD's price to earnings (P/E) is 31% lower than its 5-year quarterly average of 10.9 and 20% lower than its last 4 quarters average of 9.4
The EPS has grown by 6% from the previous quarter but it has contracted by 5% YoY
The price to book (P/B) is 40% less than the 5-year quarterly average of 1.1 and 27% less than the last 4 quarters average of 0.9
PWOD's equity is up by 14% YoY and by 10% from the previous quarter
The P/S is 33% below the 5-year quarterly average of 2.9 and 23% below the last 4 quarters average of 2.5

Efficiency

How efficient is Penns Woods Bancorp business performance
Penns Woods Bancorp's return on invested capital has decreased by 27% YoY
The return on assets rose by 14% since the previous quarter but it has declined by 11% year-on-year
The ROE has contracted by 11% YoY but it has grown by 3.3% from the previous quarter
The ROS has contracted by 6% YoY but it has grown by 4.7% from the previous quarter

Dividends

What is PWOD's dividend history
Dividend details
DPS
$1.28
Dividend yield
7.27%
Payout ratio
54.7%
Recent dividends

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 10% year-on-year
The company's total liabilities rose by 10% YoY
PWOD's debt is 109% greater than its equity
PWOD's debt has surged by 55% year-on-year but it is down by 3.1% since the previous quarter
Penns Woods Bancorp's debt to equity has increased by 36% YoY but it has decreased by 12% QoQ

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.