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XNASPWOD
Market cap219mUSD
Jan 10, Last price  
29.03USD
1D
-3.01%
1Q
16.92%
Jan 2017
-42.51%
Name

Penns Woods Bancorp Inc

Chart & Performance

D1W1MN
XNAS:PWOD chart
P/E
13.21
P/S
3.46
EPS
2.20
Div Yield, %
4.18%
Shrs. gr., 5y
0.22%
Rev. gr., 5y
2.03%
Revenues
63m
-4.74%
30,128,00029,953,00028,572,00026,980,00026,732,00026,080,00033,953,00036,939,00040,996,00050,077,00055,152,00053,670,00053,359,00054,222,00057,271,00061,267,00060,391,00061,387,00066,493,00063,339,000
Net income
17m
-4.67%
11,083,00010,901,0009,647,0008,877,0008,003,0006,093,00010,929,00012,362,00013,850,00014,084,00014,608,00013,898,00012,475,0009,773,00014,704,00015,672,00015,206,00016,033,00017,422,00016,608,000
CFO
19m
-21.22%
10,192,00010,292,0007,735,0007,628,0007,001,0006,319,0009,861,00016,493,00013,966,00017,327,00018,738,00015,735,00016,113,00017,693,00017,270,00014,050,00022,000,00017,923,00023,893,00018,822,000
Dividend
Sep 10, 20240.32 USD/sh
Earnings
Jan 27, 2025

Profile

Penns Woods Bancorp, Inc. operates as the bank holding company for Jersey Shore State Bank and Luzerne Bank, which provides commercial and retail banking services to individuals, partnerships, non-profit organizations, and corporations. It accepts time, demand, and savings deposits, including super NOW accounts, statement savings accounts, money market accounts, and certificates of deposit, as well as checking and individual retirement accounts. The company also offers loan products comprising residential, commercial, and construction real estate loans; agricultural loans for the purchase or improvement of real estate; commercial loans for the acquisition and improvement of real estate, purchase of equipment, and working capital purposes; letters of credit; consumer loans, such as construction and residential mortgages, home equity loans and lines, automobile financing, personal loans and lines of credit, and overdraft and check lines; and revolving credit loans with overdraft protection. In addition, it provides securities brokerage and financial planning services, which include the sale of life insurance products, annuities, and estate planning services; property and casualty, and auto insurance products; safe deposit services; ATM services; and Internet and telephone banking services. Further, the company engages in real estate transactions and investment activities. It operates through a network of twenty-seven offices located in Clinton, Lycoming, Centre, Montour, Union, Blair, and Luzerne Counties, Pennsylvania. The company was founded in 1907 and is headquartered in Williamsport, Pennsylvania.
URL
https://www.pwod.com/
IPO date
Oct 27, 1993
Employees
302
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
63,339
-4.74%
66,493
8.32%
Cost of revenue
27,324
25,895
Unusual Expense (Income)
NOPBT
36,015
40,598
NOPBT Margin
56.86%
61.06%
Operating Taxes
3,714
4,163
Tax Rate
10.31%
10.25%
NOPAT
32,301
36,435
Net income
16,608
-4.67%
17,422
8.66%
Dividends
(9,164)
(9,036)
Dividend yield
5.72%
4.81%
Proceeds from repurchase of equity
9,041
(306)
BB yield
-5.65%
0.16%
Debt
Debt current
186,608
153,349
Long-term debt
225,336
108,199
Deferred revenue
(4,552)
Other long-term liabilities
1,794,271
1,570,867
Net debt
174,600
(172,056)
Cash flow
Cash from operating activities
18,822
23,893
CAPEX
(377)
Cash from investing activities
(196,995)
(297,647)
Cash from financing activities
175,302
50,225
FCF
(10,919)
45,838
Balance
Cash
37,462
234,006
Long term investments
199,882
199,598
Excess cash
234,177
430,279
Stockholders' equity
142,638
126,228
Invested Capital
2,102,853
1,862,719
ROIC
1.63%
1.98%
ROCE
1.60%
2.04%
EV
Common stock shares outstanding
7,112
7,059
Price
22.51
-15.44%
26.62
12.56%
Market cap
160,101
-14.80%
187,922
12.52%
EV
334,701
15,866
EBITDA
38,964
44,218
EV/EBITDA
8.59
0.36
Interest
36,631
7,148
Interest/NOPBT
101.71%
17.61%