Penns Woods Bancorp, Inc. (PWOD)

Penns Woods Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	21.3	17.74	16.61	17.42	16.03	15.21
Depreciation & Amortization	1.8	1.99	2.11	2.78	2.63	2.33
Other Amortization	1.23	1	0.84	0.84	0.87	0.98
Gain (Loss) on Sale of Assets	0.01	0.34	-0.15	0.3	0.02	-0.01
Gain (Loss) on Sale of Investments	0.56	1.03	0.6	1.51	0.89	-0.82
Total Asset Writedown	-	-	-	0.65	-	-
Provision for Credit Losses	-2.99	0.12	-1.48	1.91	0.64	2.63
Net Decrease (Increase) in Loans Originated / Sold - Operating	2.36	2.21	0.35	1.56	3.99	3.14
Change in Accounts Payable	-	-	-	-0.11	-1.46	-1.57
Other Operating Activities	-7.26	-5.02	-0.46	-2.38	-3.81	3.11
Operating Cash Flow	17.16	19.37	18.82	23.89	17.92	22
Operating Cash Flow Growth	71.88%	2.89%	-21.22%	33.31%	-18.53%	56.58%
Capital Expenditures	-1.03	-1.2	-0.81	-0.38	-1.14	-2.67
Sale of Property, Plant and Equipment	0.74	0.74	0.56	0.15	0	0.34
Investment in Securities	16.71	8.83	6.48	-44.75	-8.63	-13.33
Net Decrease (Increase) in Loans Originated / Sold - Investing	-40.92	-37.13	-199.73	-248.13	-48.17	10.27
Other Investing Activities	-8.93	-6.04	-3.5	-4.54	1.98	-5.35
Investing Cash Flow	-33.42	-34.8	-197	-297.65	-55.95	-10.74
Short-Term Debt Issued	-	-	-	147.6	0.5	0.32
Long-Term Debt Issued	-	42.95	180	-	-	35
Total Debt Issued	63.66	42.95	180	147.6	0.5	35.32
Short-Term Debt Repaid	-	-103.73	-7.42	-	-	-
Long-Term Debt Repaid	-	-40.18	-30.19	-23.18	-30.17	-43.45
Total Debt Repaid	-139.19	-143.9	-37.61	-23.18	-30.17	-43.45
Net Debt Issued (Repaid)	-75.53	-100.95	142.39	124.42	-29.66	-8.12
Issuance of Common Stock	0.97	0.96	9.04	0.39	0.41	0.25
Repurchase of Common Stock	-	-	-	-0.7	-	-
Common Dividends Paid	-9.68	-9.65	-9.16	-9.04	-9.04	-9.02
Net Increase (Decrease) in Deposit Accounts	105.39	116.59	33.03	-64.86	126.87	170.44
Other Financing Activities	-	-	-	-	-0.04	-0.04
Financing Cash Flow	21.16	6.95	175.3	50.23	88.54	153.51
Net Cash Flow	4.9	-8.49	-2.87	-223.53	50.5	164.77
Free Cash Flow	16.13	18.17	18.02	23.52	16.79	19.33
Free Cash Flow Growth	75.66%	0.83%	-23.39%	40.09%	-13.17%	70.42%
Free Cash Flow Margin	21.71%	26.57%	27.96%	36.41%	27.63%	33.47%
Free Cash Flow Per Share	2.12	2.41	2.53	3.33	2.38	2.74
Cash Interest Paid	50.84	49.97	33.42	7.2	9.16	14.97
Cash Income Tax Paid	2.64	2.64	3.02	3	4.24	2.95

Updated Mar 13, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q