Penns Woods Bancorp, Inc. (PWOD)

Penns Woods Bancorp Statistics

Total Valuation

PWOD has a market cap or net worth of $242.28 million. The enterprise value is $505.13 million.

Market Cap	242.28M
Enterprise Value	505.13M

Important Dates

The next estimated earnings date is Friday, August 1, 2025.

Earnings Date	Aug 1, 2025
Ex-Dividend Date	Jun 10, 2025

Share Statistics

PWOD has 7.61 million shares outstanding. The number of shares has increased by 5.14% in one year.

Current Share Class	7.61M
Shares Outstanding	7.61M
Shares Change (YoY)	+5.14%
Shares Change (QoQ)	+0.46%
Owned by Insiders (%)	6.54%
Owned by Institutions (%)	30.11%
Float	7.11M

Valuation Ratios

The trailing PE ratio is 11.38.

PE Ratio	11.38
Forward PE	n/a
PS Ratio	3.23
Forward PS	n/a
PB Ratio	1.14
P/TBV Ratio	1.24
P/FCF Ratio	15.02
P/OCF Ratio	14.12
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	23.72
EV / Sales	6.80
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	31.31

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	18.61
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.50%.

Return on Equity (ROE)	10.50%
Return on Assets (ROA)	0.95%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$238,952
Profits Per Employee	$68,482
Employee Count	311
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, PWOD has paid $5.23 million in taxes.

Income Tax	5.23M
Effective Tax Rate	19.72%

Stock Price Statistics

The stock price has increased by +38.51% in the last 52 weeks. The beta is 0.49, so PWOD's price volatility has been lower than the market average.

Beta (5Y)	0.49
52-Week Price Change	+38.51%
50-Day Moving Average	30.20
200-Day Moving Average	29.24
Relative Strength Index (RSI)	59.37
Average Volume (20 Days)	75,910

Short Selling Information

The latest short interest is 184,942, so 2.43% of the outstanding shares have been sold short.

Short Interest	184,942
Short Previous Month	33,527
Short % of Shares Out	2.43%
Short % of Float	2.60%
Short Ratio (days to cover)	1.75

Income Statement

In the last 12 months, PWOD had revenue of $74.31 million and earned $21.30 million in profits. Earnings per share was $2.80.

Revenue	74.31M
Gross Profit	74.31M
Operating Income	31.29M
Pretax Income	19.18M
Net Income	21.30M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.80

Balance Sheet

The company has $37.45 million in cash and $300.29 million in debt, giving a net cash position of -$262.85 million or -$34.52 per share.

Cash & Cash Equivalents	37.45M
Total Debt	300.29M
Net Cash	-262.85M
Net Cash Per Share	-$34.52
Equity (Book Value)	212.02M
Book Value Per Share	27.85
Working Capital	-1.76B

Cash Flow

In the last 12 months, operating cash flow was $17.16 million and capital expenditures -$1.03 million, giving a free cash flow of $16.13 million.

Operating Cash Flow	17.16M
Capital Expenditures	-1.03M
Free Cash Flow	16.13M
FCF Per Share	$2.12

Margins

Gross Margin	n/a
Operating Margin	42.10%
Pretax Margin	35.70%
Profit Margin	28.66%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	21.71%

Dividends & Yields

This stock pays an annual dividend of $1.28, which amounts to a dividend yield of 4.00%.

Dividend Per Share	$1.28
Dividend Yield	4.00%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	45.79%
Buyback Yield	-5.14%
Shareholder Yield	-1.12%
Earnings Yield	8.79%
FCF Yield	6.66%

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on October 1, 2019. It was a forward split with a ratio of 1.5:1.

Last Split Date	Oct 1, 2019
Split Type	Forward
Split Ratio	1.5:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	3