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Penns Woods Bancorp, Inc. PWOD NASDAQ

NASDAQ Global Select • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Penns Woods Bancorp, Inc. (PWOD) is a Banks - Regional company in the Financial Services sector, currently trading at $30.00. It has a SharesGrow Score of 60/100, indicating a above average investment profile with 3 out of 7 criteria passed.

Financials: revenue is $119M, +20.1%/yr average growth. Net income is $18M, growing at +3.6%/yr. Net profit margin is 14.9% (healthy). Gross margin is 57.3% (-29.4 pp trend).

Balance sheet: total debt is $300M against $205M equity (Debt-to-Equity (D/E) ratio 1.46, moderate). Current ratio is 0.13 (tight liquidity). Debt-to-assets is 13.4%. Total assets: $2.2B.

SharesGrow 7-Criteria breakdown: Value 85/100 (Pass), Growth 73/100 (Pass), Past 100/100 (Pass), Health 17/100 (Fail), Moat 43/100 (Fail), Future ?/100 (Fail), Income 55/100 (Partial).

PWOD SharesGrow Score Overview

62/100

SharesGrow Score

Above average fundamentals

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VALUE 85/100

Valuation — P/E, PEG, Forward PEG

GROWTH 73/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 17/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 43/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 55/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — PWOD

PWOD trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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PWOD: +20.1%/yr revenue is, +3.6%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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PWOD: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet PWOD: Debt-to-Equity (D/E) ratio 1.46 (moderate), Current ratio is 0.13 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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PWOD: Gross margin is 57.3% (-29.4 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 43/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

PWOD: Net profit margin is 14.9%. thin (5-15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range20.18-34.56

Volume114.25K

Avg Volume (30D)40.4K

Market Cap$228.43M

Beta (1Y)0.49

Dividend Yield$1.2800

Share Statistics

EPS (TTM)2.35

Shares Outstanding$7.54M

IPO Date1994-06-02

Employees311

CEORichard Allen Grafmyre CFP

Financial Highlights & Ratios

Revenue (TTM)$119.32M

Gross Profit$68.38M

EBITDA$26M

Net Income$17.74M

Operating Income$21.89M

Total Cash$213.51M

Total Debt$299.68M

Net Debt$270.71M

Total Assets$2.23B

Price / Earnings (P/E)12.8

Price / Sales (P/S)1.91

Analyst Forecast

Company Info

CountryUS

ExchangeNASDAQ Global Select

CurrencyUSD

ISINUS7084301032

Price Chart

PWOD

Penns Woods Bancorp, Inc. ↗ · NASDAQ Global Select

Financial Services • Banks - Regional

20.18 52WK RANGE 34.56

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