View Future GrowthThis company has been acquiredThe company may no longer be operating, as it has been acquired. Find out why through their latest events.See Latest EventsPenns Woods Bancorp 過去の業績過去 基準チェック /56Penns Woods Bancorpは、平均年間5.4%の収益成長を遂げていますが、 Banks業界の収益は、年間 成長しています。収益は、平均年間3.2% 4.5%収益成長率で 成長しています。 Penns Woods Bancorpの自己資本利益率は10%であり、純利益率は28.7%です。主要情報5.45%収益成長率4.21%EPS成長率Banks 業界の成長11.18%収益成長率4.50%株主資本利益率10.05%ネット・マージン28.66%前回の決算情報31 Mar 2025最近の業績更新Reported Earnings • Apr 27First quarter 2025 earnings released: EPS: US$0.97 (vs US$0.51 in 1Q 2024)First quarter 2025 results: EPS: US$0.97 (up from US$0.51 in 1Q 2024). Revenue: US$21.7m (up 38% from 1Q 2024). Net income: US$7.37m (up 94% from 1Q 2024). Profit margin: 34% (up from 24% in 1Q 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has increased by 6% per year.Reported Earnings • Jan 30Full year 2024 earnings released: EPS: US$2.35 (vs US$2.34 in FY 2023)Full year 2024 results: EPS: US$2.35 (up from US$2.34 in FY 2023). Revenue: US$68.4m (up 6.1% from FY 2023). Net income: US$17.7m (up 6.8% from FY 2023). Profit margin: 26% (in line with FY 2023). Over the last 3 years on average, earnings per share has remained flat but the company’s share price has increased by 8% per year, which means it is well ahead of earnings.お知らせ • Jan 30Penns Woods Bancorp, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2024Penns Woods Bancorp, Inc. reported Net charge-offs for the fourth quarter ended December 31, 2024. The company's net charge-offs was $228,000.Reported Earnings • Oct 25Third quarter 2024 earnings released: EPS: US$0.64 (vs US$0.31 in 3Q 2023)Third quarter 2024 results: EPS: US$0.64 (up from US$0.31 in 3Q 2023). Revenue: US$16.7m (up 21% from 3Q 2023). Net income: US$4.80m (up 116% from 3Q 2023). Profit margin: 29% (up from 16% in 3Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 2% per year and the company’s share price has also increased by 2% per year.Reported Earnings • Aug 18Second quarter 2024 earnings released: EPS: US$0.72 (vs US$0.59 in 2Q 2023)Second quarter 2024 results: EPS: US$0.72 (up from US$0.59 in 2Q 2023). Revenue: US$17.7m (up 6.8% from 2Q 2023). Net income: US$5.39m (up 29% from 2Q 2023). Profit margin: 30% (up from 25% in 2Q 2023). Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has fallen by 1% per year.Reported Earnings • Jul 26Second quarter 2024 earnings released: EPS: US$0.72 (vs US$0.59 in 2Q 2023)Second quarter 2024 results: EPS: US$0.72 (up from US$0.59 in 2Q 2023). Revenue: US$17.7m (up 6.8% from 2Q 2023). Net income: US$5.39m (up 29% from 2Q 2023). Profit margin: 30% (up from 25% in 2Q 2023). Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has fallen by 1% per year.すべての更新を表示Recent updatesお知らせ • Jul 29+ 1 more updatePenns Woods Bancorp, Inc. Announces Delisting of Company's Common Stock on the NASDAQOn July 24, 2025, the NASDAQ was notified that the Merger and the Bank Mergers would be effective as of July 25, 2025, and it was requested that the NASDAQ (1) suspend trading of Penns Woods Bancorp, Inc. Common Stock, (2) withdraw Penns Woods Common Stock from listing on the NASDAQ at the close of trading on July 25, 2025, and (3) file with the Securities and Exchange Commission (the “SEC”) a notification of delisting of Penns Woods Common Stock under Section 12(b) of the Securities Exchange Act of 1934, as amended (the “Exchange Act”). As a result, Penns Woods Common Stock will no longer be listed on the NASDAQ. In furtherance of the foregoing,Northwest, as successor to Penns Woods, intends to file with the SEC certifications on Form 15 under the Exchange Act requesting the deregistration of Penns Woods Common Stock under Section 12(g) of the Exchange Act, and the corresponding immediate suspension of Penns Woods’s reporting obligations under Sections 13 and 15(d) of the Exchange Act as promptly as practicable, and to cease filing any further periodic reports with respect to Penns Woods as it no longer exists as a separate legal entity as a result of the Merger.お知らせ • Jul 26+ 20 more updatesPenns Woods Bancorp, Inc.(NasdaqGS:PWOD) dropped from Russell 2000 Value BenchmarkPenns Woods Bancorp, Inc.(NasdaqGS:PWOD) dropped from Russell 2000 Value BenchmarkBuy Or Sell Opportunity • Jul 23Now 20% undervaluedOver the last 90 days, the stock has risen 13% to US$31.50. The fair value is estimated to be US$39.40, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 3.8% over the last 3 years, while earnings per share has been flat.Seeking Alpha • Jun 20Penns Woods Bancorp: Being Acquired By Northwest BancsharesSummary Northwest Bancorp is buying Penns Woods creating an opportunity for both companies to thrive. The merger creates a stronger, more competitive bank with $16.6 billion in assets, cost synergies, and expanded market reach. PWOD shareholders benefit from a potential capital gain and a dividend increase from 4% to 6%+, while NWBI gains accretive earnings. The deal is unanimously approved, likely to close, and both banks have a history of steady dividends and successful acquisitions. In this article, I explain how buying shares of PWOD can create a capital gain and increased dividend yield. Read the full article on Seeking AlphaDeclared Dividend • May 29First quarter dividend of US$0.32 announcedDividend of US$0.32 is the same as last year. Ex-date: 10th June 2025 Payment date: 24th June 2025 Dividend yield will be 4.3%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 5.9% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.お知らせ • May 28Penns Woods Bancorp, Inc. Announces Quarterly Dividend, Payable on June 24, 2025Penns Woods Bancorp, Inc. announced that the Company’s Board of Directors declared a second quarter 2025 cash dividend of $0.32 per share. The dividend is payable June 24, 2025 to shareholders of record June 10, 2025.Reported Earnings • Apr 27First quarter 2025 earnings released: EPS: US$0.97 (vs US$0.51 in 1Q 2024)First quarter 2025 results: EPS: US$0.97 (up from US$0.51 in 1Q 2024). Revenue: US$21.7m (up 38% from 1Q 2024). Net income: US$7.37m (up 94% from 1Q 2024). Profit margin: 34% (up from 24% in 1Q 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has increased by 6% per year.Buy Or Sell Opportunity • Mar 04Now 20% undervalued after recent price dropOver the last 90 days, the stock has fallen 13% to US$29.25. The fair value is estimated to be US$36.57, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 2.8% over the last 3 years, while earnings per share has been flat.Declared Dividend • Feb 27Fourth quarter dividend of US$0.32 announcedDividend of US$0.32 is the same as last year. Ex-date: 11th March 2025 Payment date: 25th March 2025 Dividend yield will be 4.3%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has remained steady over the last 5 years. Unless this trend deteriorates, it should provide adequate earnings cover for the dividend.お知らせ • Feb 25Penns Woods Bancorp, Inc. Announces Quarterly Dividend, Payable on March 25, 2025Penns Woods Bancorp, Inc. announced that the Company’s Board of Directors declared a first quarter 2025 cash dividend of $0.32 per share. The dividend is payable March 25, 2025 to shareholders of record March 11, 2025.Recent Insider Transactions Derivative • Feb 12President exercised options to buy US$706k worth of stock.On the 7th of February, Brian Knepp exercised 103.60k options at around US$28.01, then sold 80.84k of them at US$31.90 each and kept the remainder. Since March 2024, Brian's direct individual holding has increased from 17.80k shares to 22.61k. Company insiders have collectively bought US$327k more than they sold, via options and on-market transactions, in the last 12 months.Reported Earnings • Jan 30Full year 2024 earnings released: EPS: US$2.35 (vs US$2.34 in FY 2023)Full year 2024 results: EPS: US$2.35 (up from US$2.34 in FY 2023). Revenue: US$68.4m (up 6.1% from FY 2023). Net income: US$17.7m (up 6.8% from FY 2023). Profit margin: 26% (in line with FY 2023). Over the last 3 years on average, earnings per share has remained flat but the company’s share price has increased by 8% per year, which means it is well ahead of earnings.Buy Or Sell Opportunity • Jan 30Now 20% undervaluedOver the last 90 days, the stock has risen 14% to US$30.50. The fair value is estimated to be US$38.21, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 2.8% over the last 3 years, while earnings per share has been flat.お知らせ • Jan 30Penns Woods Bancorp, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2024Penns Woods Bancorp, Inc. reported Net charge-offs for the fourth quarter ended December 31, 2024. The company's net charge-offs was $228,000.Buy Or Sell Opportunity • Jan 02Now 21% undervaluedOver the last 90 days, the stock has risen 22% to US$29.81. The fair value is estimated to be US$37.74, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 3.1% over the last 3 years, while earnings per share has been flat.お知らせ • Dec 19Northwest Bancshares, Inc. (NasdaqGS:NWBI) entered into a definitive agreement to acquire an Penns Woods Bancorp, Inc. (NasdaqGS:PWOD) for approximately $260 million.Northwest Bancshares, Inc. (NasdaqGS:NWBI) entered into a definitive agreement to acquire an Penns Woods Bancorp, Inc. (NasdaqGS:PWOD) for approximately $260 million on December 16, 2024. Under the terms of the Agreement, Northwest will exchange shares of its common stock for all of the outstanding shares of Penns Woods common stock. Penns Woods shareholders will be entitled to receive 2.385 shares of Northwest common stock for each share of Penns Woods common stock they own upon the effective time of the merger. Upon completion of the merger, the shares issued to Penns Woods shareholders are expected to comprise approximately 12% of the outstanding shares of the combined company. At closing, Jersey Shore State Bank and Luzerne Bank branches will become branches of Northwest Bank. Northwest will appoint Richard A. Grafmyre to the boards of Northwest and Northwest Bank after closing. The transaction is subject to the satisfaction of customary closing conditions, including regulatory approvals and approval by Penns Woods shareholders. The deal has been unanimously approved by the board of both companies. The transaction is expected to complete in the third quarter of 2025. Excluding one-time transaction costs, Northwest expects the transaction to be approximately 23% accretive to 2026 fully diluted earnings per share. Janney Montgomery Scott, LLC is acting as financial advisor to Northwest, and Dinsmore & Shohl LLP is acting as its legal advisor in the transaction. Frank Sorrentino of Stephens Inc. is acting as financial advisor to Penns Woods, and Stevens & Lee, P.C. is acting as its legal advisor in the transaction.Buy Or Sell Opportunity • Dec 18Now 20% undervaluedOver the last 90 days, the stock has risen 27% to US$30.35. The fair value is estimated to be US$38.10, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 3.1% over the last 3 years, while earnings per share has been flat.Declared Dividend • Nov 29Third quarter dividend of US$0.32 announcedDividend of US$0.32 is the same as last year. Ex-date: 10th December 2024 Payment date: 23rd December 2024 Dividend yield will be 4.0%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 1.4% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.お知らせ • Nov 27Penns Woods Bancorp, Inc. Announces Fourth Quarterly Dividend, Payable on December 23, 2024Penns Woods Bancorp, Inc., has announced that the Company’s Board of Directors declared a fourth quarter 2024 cash dividend of $0.32 per share. The dividend is payable December 23, 2024 to shareholders of record December 10, 2024.Reported Earnings • Oct 25Third quarter 2024 earnings released: EPS: US$0.64 (vs US$0.31 in 3Q 2023)Third quarter 2024 results: EPS: US$0.64 (up from US$0.31 in 3Q 2023). Revenue: US$16.7m (up 21% from 3Q 2023). Net income: US$4.80m (up 116% from 3Q 2023). Profit margin: 29% (up from 16% in 3Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 2% per year and the company’s share price has also increased by 2% per year.分析記事 • Aug 30Penns Woods Bancorp's (NASDAQ:PWOD) Dividend Will Be $0.32The board of Penns Woods Bancorp, Inc. ( NASDAQ:PWOD ) has announced that it will pay a dividend of $0.32 per share on...Declared Dividend • Aug 29Second quarter dividend of US$0.32 announcedDividend of US$0.32 is the same as last year. Ex-date: 10th September 2024 Payment date: 24th September 2024 Dividend yield will be 5.6%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has remained steady over the last 5 years. Unless this trend deteriorates, it should provide adequate earnings cover for the dividend.お知らせ • Aug 27Penns Woods Bancorp, Inc. Announces Dividend for the Third Quarter 2024, Payable on September 24, 2024Richard A. Grafmyre CFP®, Chief Executive Officer of Penns Woods Bancorp, Inc., has announced that the Company’s Board of Directors declared a third quarter 2024 cash dividend of $0.32 per share. The dividend is payable September 24, 2024 to shareholders of record September 10, 2024.Reported Earnings • Aug 18Second quarter 2024 earnings released: EPS: US$0.72 (vs US$0.59 in 2Q 2023)Second quarter 2024 results: EPS: US$0.72 (up from US$0.59 in 2Q 2023). Revenue: US$17.7m (up 6.8% from 2Q 2023). Net income: US$5.39m (up 29% from 2Q 2023). Profit margin: 30% (up from 25% in 2Q 2023). Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has fallen by 1% per year.Seeking Alpha • Aug 09Penns Woods Bancorp: 5.9% Dividend Yield, But Earnings Outlook Is LacklusterSummary Rate cuts will lift the residential loan balance, thereby boosting the bottom line. However, rate cuts will hurt the margin as assets are more rate-sensitive than liabilities. Earnings will likely be lower this year, then stabilize next year. PWOD is offering an attractive dividend yield of 5.9%. Although the capital is a bit low, the dividend appears to be safe. The December 2024 target price suggests a hefty price upside of 22%. Read the full article on Seeking AlphaReported Earnings • Jul 26Second quarter 2024 earnings released: EPS: US$0.72 (vs US$0.59 in 2Q 2023)Second quarter 2024 results: EPS: US$0.72 (up from US$0.59 in 2Q 2023). Revenue: US$17.7m (up 6.8% from 2Q 2023). Net income: US$5.39m (up 29% from 2Q 2023). Profit margin: 30% (up from 25% in 2Q 2023). Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has fallen by 1% per year.Buy Or Sell Opportunity • Jul 18Now 22% undervaluedOver the last 90 days, the stock has risen 24% to US$22.31. The fair value is estimated to be US$28.56, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 3.9% over the last 3 years. Earnings per share has grown by 2.6%.Valuation Update With 7 Day Price Move • Jul 16Investor sentiment improves as stock rises 18%After last week's 18% share price gain to US$22.70, the stock trades at a trailing P/E ratio of 10.8x. Average trailing P/E is 11x in the Banks industry in the US. Total returns to shareholders of 14% over the past three years.お知らせ • Jul 03+ 3 more updatesPenns Woods Bancorp, Inc.(NasdaqGS:PWOD) dropped from Russell Small Cap Completeness IndexPenns Woods Bancorp, Inc.(NasdaqGS:PWOD) dropped from Russell Small Cap Completeness Index分析記事 • May 31Penns Woods Bancorp (NASDAQ:PWOD) Will Pay A Dividend Of $0.32Penns Woods Bancorp, Inc. ( NASDAQ:PWOD ) has announced that it will pay a dividend of $0.32 per share on the 25th of...Declared Dividend • May 30First quarter dividend of US$0.32 announcedDividend of US$0.32 is the same as last year. Ex-date: 11th June 2024 Payment date: 25th June 2024 Dividend yield will be 6.5%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has remained steady over the last 5 years. Unless this trend deteriorates, it should provide adequate earnings cover for the dividend.お知らせ • May 29Penns Woods Bancorp, Inc. Announces Quarterly Dividend, Payable June 25, 2024Penns Woods Bancorp, Inc. announced that the Company’s Board of Directors declared a second quarter 2024 cash dividend of $0.32 per share. The dividend is payable June 25, 2024 to shareholders of record June 11, 2024.Recent Insider Transactions • May 01Independent Director recently bought US$53k worth of stockOn the 30th of April, Charles Kranich bought around 3k shares on-market at roughly US$17.55 per share. This transaction amounted to 9.4% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$322k more in shares than they have sold in the last 12 months.分析記事 • May 01We Think Shareholders May Want To Consider A Review Of Penns Woods Bancorp, Inc.'s (NASDAQ:PWOD) CEO Compensation PackageKey Insights Penns Woods Bancorp will host its Annual General Meeting on 7th of May Total pay for CEO Dick Grafmyre...お知らせ • Apr 27Penns Woods Bancorp, Inc. Announces Unaudited Net Loan Charge-Offs for the First Quarter Ended March 31, 2024Penns Woods Bancorp, Inc. announced unaudited net loan charge-offs for the first quarter ended March 31, 2024. For the quarter, the company reported Net loan charge-offs of $380,000 against $123,000 a year ago.Reported Earnings • Apr 25First quarter 2024 earnings released: EPS: US$0.51 (vs US$0.66 in 1Q 2023)First quarter 2024 results: EPS: US$0.51 (down from US$0.66 in 1Q 2023). Revenue: US$16.1m (down 2.5% from 1Q 2023). Net income: US$3.81m (down 18% from 1Q 2023). Profit margin: 24% (down from 28% in 1Q 2023). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 9% per year, which means it is significantly lagging earnings.New Risk • Mar 15New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 6.5% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. This is currently the only risk that has been identified for the company.Reported Earnings • Mar 14Full year 2023 earnings released: EPS: US$2.34 (vs US$2.47 in FY 2022)Full year 2023 results: EPS: US$2.34 (down from US$2.47 in FY 2022). Revenue: US$64.4m (flat on FY 2022). Net income: US$16.6m (down 4.7% from FY 2022). Profit margin: 26% (down from 27% in FY 2022). Net interest margin (NIM): 2.80% (down from 3.24% in FY 2022). Non-performing loans: 0.17% (down from 0.30% in FY 2022). Over the last 3 years on average, earnings per share has increased by 5% per year but the company’s share price has fallen by 9% per year, which means it is significantly lagging earnings.Upcoming Dividend • Mar 04Upcoming dividend of US$0.32 per shareEligible shareholders must have bought the stock before 11 March 2024. Payment date: 26 March 2024. Trailing yield: 6.6%. Within top quartile of American dividend payers (4.8%). Higher than average of industry peers (3.1%).Declared Dividend • Mar 01Fourth quarter dividend of US$0.32 announcedDividend of US$0.32 is the same as last year. Ex-date: 11th March 2024 Payment date: 26th March 2024 Dividend yield will be 6.6%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 2.1% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.お知らせ • Feb 28Penns Woods Bancorp, Inc., Annual General Meeting, May 07, 2024Penns Woods Bancorp, Inc., Annual General Meeting, May 07, 2024, at 09:00 US Eastern Standard Time.お知らせ • Feb 27Penns Woods Bancorp, Inc. Declares Dividend for the First Quarter of 2024, Payable on March 26, 2024Penns Woods Bancorp, Inc. has announced that the Company’s Board of Directors declared a first quarter 2024 cash dividend of $0.32 per share. The dividend is payable March on 26, 2024 to shareholders of record March 12, 2024.Reported Earnings • Jan 30Full year 2023 earnings released: EPS: US$2.34 (vs US$2.47 in FY 2022)Full year 2023 results: EPS: US$2.34 (down from US$2.47 in FY 2022). Revenue: US$64.8m (flat on FY 2022). Net income: US$16.6m (down 4.7% from FY 2022). Profit margin: 26% (down from 27% in FY 2022). Net interest margin (NIM): 2.80% (down from 3.24% in FY 2022). Over the last 3 years on average, earnings per share has increased by 5% per year whereas the company’s share price has increased by 1% per year.Valuation Update With 7 Day Price Move • Dec 22Investor sentiment improves as stock rises 15%After last week's 15% share price gain to US$23.53, the stock trades at a trailing P/E ratio of 10.8x. Average trailing P/E is 9x in the Banks industry in the US. Total returns to shareholders of 5.9% over the past three years.Buying Opportunity • Dec 06Now 20% undervalued after recent price dropOver the last 90 days, the stock is down 19%. The fair value is estimated to be US$25.54, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.4% over the last 3 years. Earnings per share has grown by 6.7%.Upcoming Dividend • Dec 04Upcoming dividend of US$0.32 per share at 6.3% yieldEligible shareholders must have bought the stock before 11 December 2023. Payment date: 22 December 2023. Payout ratio is a comfortable 58% and this is well supported by cash flows. Trailing yield: 6.3%. Within top quartile of American dividend payers (4.8%). Higher than average of industry peers (3.5%).お知らせ • Nov 29Penns Woods Bancorp, Inc. Announces Quarterly Cash Dividend for the Fourth Quarter of 2023, Payable on December 22, 2023Penns Woods Bancorp, Inc. has announced that the Company’s Board of Directors declared a fourth quarter 2023 cash dividend of $0.32 per share. The dividend is payable December 22, 2023 to shareholders of record December 12, 2023.Reported Earnings • Oct 26Third quarter 2023 earnings released: EPS: US$0.31 (vs US$0.74 in 3Q 2022)Third quarter 2023 results: EPS: US$0.31 (down from US$0.74 in 3Q 2022). Revenue: US$13.8m (down 18% from 3Q 2022). Net income: US$2.22m (down 58% from 3Q 2022). Profit margin: 16% (down from 31% in 3Q 2022). Over the last 3 years on average, earnings per share has increased by 7% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth.Buying Opportunity • Sep 06Now 20% undervalued after recent price dropOver the last 90 days, the stock is down 5.2%. The fair value is estimated to be US$31.28, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 6.1% over the last 3 years. Earnings per share has grown by 9.0%.分析記事 • Aug 25Penns Woods Bancorp (NASDAQ:PWOD) Will Pay A Dividend Of $0.32Penns Woods Bancorp, Inc. ( NASDAQ:PWOD ) has announced that it will pay a dividend of $0.32 per share on the 19th of...Upcoming Dividend • Aug 25Upcoming dividend of US$0.32 per share at 5.1% yieldEligible shareholders must have bought the stock before 01 September 2023. Payment date: 19 September 2023. Payout ratio is a comfortable 49% and this is well supported by cash flows. Trailing yield: 5.1%. Within top quartile of American dividend payers (4.9%). Higher than average of industry peers (3.7%).お知らせ • Aug 23Penns Woods Bancorp, Inc. Announces Quarterly Dividend for Third Quarter 2023, Payable on September 19, 2023Penns Woods Bancorp, Inc. has announced that the Company’s Board of Directors declared a third quarter 2023 cash dividend of $0.32 per share. The dividend is payable September 19, 2023 to shareholders of record September 5, 2023.Reported Earnings • Jul 26Second quarter 2023 earnings released: EPS: US$0.59 (vs US$0.60 in 2Q 2022)Second quarter 2023 results: EPS: US$0.59 (down from US$0.60 in 2Q 2022). Revenue: US$16.6m (up 6.0% from 2Q 2022). Net income: US$4.17m (down 1.4% from 2Q 2022). Profit margin: 25% (down from 27% in 2Q 2022). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 9% per year and the company’s share price has also increased by 9% per year.Buying Opportunity • Jul 13Now 20% undervaluedOver the last 90 days, the stock is up 3.9%. The fair value is estimated to be US$30.44, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.6% over the last 3 years. Earnings per share has grown by 8.0%.Buying Opportunity • Jun 26Now 20% undervaluedOver the last 90 days, the stock is up 10%. The fair value is estimated to be US$31.81, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.6% over the last 3 years. Earnings per share has grown by 8.0%.Upcoming Dividend • May 29Upcoming dividend of US$0.32 per share at 5.2% yieldEligible shareholders must have bought the stock before 05 June 2023. Payment date: 20 June 2023. Payout ratio is a comfortable 48% and this is well supported by cash flows. Trailing yield: 5.2%. Within top quartile of American dividend payers (5.2%). Higher than average of industry peers (3.7%).分析記事 • May 27Penns Woods Bancorp's (NASDAQ:PWOD) Dividend Will Be $0.32The board of Penns Woods Bancorp, Inc. ( NASDAQ:PWOD ) has announced that it will pay a dividend of $0.32 per share on...Buying Opportunity • May 26Now 21% undervalued after recent price dropOver the last 90 days, the stock is down 7.0%. The fair value is estimated to be US$31.38, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.6% over the last 3 years. Earnings per share has grown by 8.0%.お知らせ • May 24Penns Woods Bancorp, Inc. Announces Quarterly Dividend, Payable on June 20, 2023Penns Woods Bancorp, Inc. announced that the Company’s Board of Directors declared a second quarter 2023 cash dividend of $0.32 per share. The dividend is payable June 20, 2023 to shareholders of record June 6, 2023.お知らせ • May 13Penns Woods Bancorp, Inc. and Jersey Shore State Bank Announces Resignation of James M. Furey II as DirectorOn May 11, 2023, James M. Furey II, a director of Penns Woods Bancorp, Inc. (the “Company”) and its wholly owned subsidiary, Jersey Shore State Bank (the “Bank”), resigned as a director of the Company and the Bank in accordance with the Company’s mandatory director retirement bylaw, which requires a director to resign upon attaining age 76.Buying Opportunity • Apr 25Now 22% undervalued after recent price dropOver the last 90 days, the stock is down 18%. The fair value is estimated to be US$28.71, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 4.7% over the last 3 years. Earnings per share has grown by 5.7%.Reported Earnings • Mar 17Full year 2022 earnings released: EPS: US$2.47 (vs US$2.27 in FY 2021)Full year 2022 results: EPS: US$2.47 (up from US$2.27 in FY 2021). Revenue: US$64.6m (up 6.3% from FY 2021). Net income: US$17.4m (up 8.7% from FY 2021). Profit margin: 27% (in line with FY 2021). Net interest margin (NIM): 3.24% (up from 2.85% in FY 2021). Non-performing loans: 0.30% (down from 0.45% in FY 2021). Over the last 3 years on average, earnings per share has increased by 6% per year whereas the company’s share price has increased by 4% per year.Upcoming Dividend • Mar 06Upcoming dividend of US$0.32 per share at 4.8% yieldEligible shareholders must have bought the stock before 13 March 2023. Payment date: 28 March 2023. Trailing yield: 4.8%. Within top quartile of American dividend payers (4.3%). Higher than average of industry peers (3.0%).Reported Earnings • Feb 01Full year 2022 earnings released: EPS: US$2.47 (vs US$2.27 in FY 2021)Full year 2022 results: EPS: US$2.47 (up from US$2.27 in FY 2021). Revenue: US$64.6m (up 6.3% from FY 2021). Net income: US$17.4m (up 8.7% from FY 2021). Profit margin: 27% (in line with FY 2021). Over the last 3 years on average, earnings per share has increased by 6% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings.Upcoming Dividend • Nov 28Upcoming dividend of US$0.32 per shareEligible shareholders must have bought the stock before 05 December 2022. Payment date: 20 December 2022. Payout ratio is a comfortable 51% and this is well supported by cash flows. Trailing yield: 4.9%. Within top quartile of American dividend payers (4.3%). Higher than average of industry peers (2.9%).分析記事 • Nov 25Penns Woods Bancorp (NASDAQ:PWOD) Has Announced A Dividend Of $0.32Penns Woods Bancorp, Inc. ( NASDAQ:PWOD ) will pay a dividend of $0.32 on the 20th of December. Based on this payment...お知らせ • Nov 23Penns Woods Bancorp, Inc. Announces Quarterly Dividend, Payable on December 20, 2022Richard A. Grafmyre CFP®, Chief Executive Officer of Penns Woods Bancorp, Inc. has announced that the company’s Board of Directors declared a fourth quarter 2022 cash dividend of $0.32 per share. The dividend is payable December 20, 2022 to shareholders of record December 6, 2022.Board Change • Nov 16Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 4 experienced directors. 8 highly experienced directors. Independent Director Charles Kranich was the last director to join the board, commencing their role in 2019. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • Oct 22Third quarter 2022 earnings released: EPS: US$0.74 (vs US$0.58 in 3Q 2021)Third quarter 2022 results: EPS: US$0.74 (up from US$0.58 in 3Q 2021). Revenue: US$16.8m (up 8.1% from 3Q 2021). Net income: US$5.25m (up 27% from 3Q 2021). Profit margin: 31% (up from 27% in 3Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 7% per year, which means it is significantly lagging earnings.お知らせ • Sep 28Penns Woods Bancorp, Inc. and Announce Resignation of Ronald A. Walko as A DirectorOn September 27, 2022, Ronald A. Walko, a director of Penns Woods Bancorp, Inc. and its wholly owned subsidiary, Jersey Shore State Bank, resigned as a director of the Company and the Bank in accordance with the Company’s mandatory director retirement bylaw, which requires a director to resign upon attaining age 76.分析記事 • Aug 26Penns Woods Bancorp (NASDAQ:PWOD) Is Paying Out A Dividend Of $0.32The board of Penns Woods Bancorp, Inc. ( NASDAQ:PWOD ) has announced that it will pay a dividend on the 20th of...Upcoming Dividend • Aug 26Upcoming dividend of US$0.32 per shareEligible shareholders must have bought the stock before 02 September 2022. Payment date: 20 September 2022. Payout ratio is a comfortable 54% and this is well supported by cash flows. Trailing yield: 5.3%. Within top quartile of American dividend payers (4.1%). Higher than average of industry peers (3.1%).お知らせ • Aug 24Penns Woods Bancorp, Inc. Announces Dividend for the Third Quarter of 2022, Payable on September 20, 2022Penns Woods Bancorp, Inc., has announced that the Company’s Board of Directors declared a third quarter 2022 cash dividend of $0.32 per share. The dividend is payable September 20, 2022 to shareholders of record September 6, 2022.Seeking Alpha • Aug 23Penns Woods Bancorp declares $0.32 dividendPenns Woods Bancorp (NASDAQ:PWOD) declares $0.32/share quarterly dividend, in line with previous. Forward yield 5.33% Payable Sept. 20; for shareholders of record Sept. 6; ex-div Sept. 2. See PWOD Dividend Scorecard, Yield Chart, & Dividend Growth.Reported Earnings • Jul 22Second quarter 2022 earnings released: EPS: US$0.60 (vs US$0.51 in 2Q 2021)Second quarter 2022 results: EPS: US$0.60 (up from US$0.51 in 2Q 2021). Revenue: US$15.7m (up 6.8% from 2Q 2021). Net income: US$4.23m (up 18% from 2Q 2021). Profit margin: 27% (up from 25% in 2Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has remained flat but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings.収支内訳Penns Woods Bancorp の稼ぎ方とお金の使い方。LTMベースの直近の報告された収益に基づく。収益と収入の歴史NasdaqGS:PWOD 収益、費用、利益 ( )USD Millions日付収益収益G+A経費研究開発費31 Mar 25742136031 Dec 24681836030 Sep 24682035030 Jun 24651735031 Mar 24641635031 Dec 23641735030 Sep 23641635030 Jun 23671934031 Mar 23661934031 Dec 22651734030 Sep 22641834030 Jun 22631734031 Mar 22621633031 Dec 21611633030 Sep 21591532030 Jun 21591531031 Mar 21581630031 Dec 20581530030 Sep 20561430030 Jun 20561431031 Mar 20571531031 Dec 19581631030 Sep 19591731030 Jun 19581630031 Mar 19571530031 Dec 18561530030 Sep 18551129030 Jun 18551129031 Mar 18551028031 Dec 17541028030 Sep 17531227030 Jun 17521227031 Mar 17521226031 Dec 16521226030 Sep 16521325030 Jun 16521424031 Mar 16511423031 Dec 15511424030 Sep 15501323030 Jun 15511423031 Mar 15511423031 Dec 14521523030 Sep 145215230質の高い収益: PWODは 高品質の収益 を持っています。利益率の向上: PWODの現在の純利益率 (28.7%)は、昨年(24.7%)よりも高くなっています。フリー・キャッシュフローと収益の比較過去の収益成長分析収益動向: PWODの収益は過去 5 年間で年間5.4%増加しました。成長の加速: PWODの過去 1 年間の収益成長率 ( 35.2% ) は、5 年間の平均 ( 年間5.4%を上回っています。収益対業界: PWODの過去 1 年間の収益成長率 ( 35.2% ) はBanks業界23.7%を上回りました。株主資本利益率高いROE: PWODの 自己資本利益率 ( 10% ) は 低い とみなされます。総資産利益率使用総資本利益率過去の好業績企業の発掘7D1Y7D1Y7D1YBanks 、過去の業績が好調な企業。View Financial Health企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2025/07/28 16:06終値2025/07/25 00:00収益2025/03/31年間収益2024/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレークこのレポートを生成するために使用した分析モデルの詳細は、当社のGitHubページでご覧いただけます。また、レポートの活用方法に関するガイドやYouTubeのチュートリアルも用意しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Penns Woods Bancorp, Inc. 0 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。0
Reported Earnings • Apr 27First quarter 2025 earnings released: EPS: US$0.97 (vs US$0.51 in 1Q 2024)First quarter 2025 results: EPS: US$0.97 (up from US$0.51 in 1Q 2024). Revenue: US$21.7m (up 38% from 1Q 2024). Net income: US$7.37m (up 94% from 1Q 2024). Profit margin: 34% (up from 24% in 1Q 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has increased by 6% per year.
Reported Earnings • Jan 30Full year 2024 earnings released: EPS: US$2.35 (vs US$2.34 in FY 2023)Full year 2024 results: EPS: US$2.35 (up from US$2.34 in FY 2023). Revenue: US$68.4m (up 6.1% from FY 2023). Net income: US$17.7m (up 6.8% from FY 2023). Profit margin: 26% (in line with FY 2023). Over the last 3 years on average, earnings per share has remained flat but the company’s share price has increased by 8% per year, which means it is well ahead of earnings.
お知らせ • Jan 30Penns Woods Bancorp, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2024Penns Woods Bancorp, Inc. reported Net charge-offs for the fourth quarter ended December 31, 2024. The company's net charge-offs was $228,000.
Reported Earnings • Oct 25Third quarter 2024 earnings released: EPS: US$0.64 (vs US$0.31 in 3Q 2023)Third quarter 2024 results: EPS: US$0.64 (up from US$0.31 in 3Q 2023). Revenue: US$16.7m (up 21% from 3Q 2023). Net income: US$4.80m (up 116% from 3Q 2023). Profit margin: 29% (up from 16% in 3Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 2% per year and the company’s share price has also increased by 2% per year.
Reported Earnings • Aug 18Second quarter 2024 earnings released: EPS: US$0.72 (vs US$0.59 in 2Q 2023)Second quarter 2024 results: EPS: US$0.72 (up from US$0.59 in 2Q 2023). Revenue: US$17.7m (up 6.8% from 2Q 2023). Net income: US$5.39m (up 29% from 2Q 2023). Profit margin: 30% (up from 25% in 2Q 2023). Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has fallen by 1% per year.
Reported Earnings • Jul 26Second quarter 2024 earnings released: EPS: US$0.72 (vs US$0.59 in 2Q 2023)Second quarter 2024 results: EPS: US$0.72 (up from US$0.59 in 2Q 2023). Revenue: US$17.7m (up 6.8% from 2Q 2023). Net income: US$5.39m (up 29% from 2Q 2023). Profit margin: 30% (up from 25% in 2Q 2023). Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has fallen by 1% per year.
お知らせ • Jul 29+ 1 more updatePenns Woods Bancorp, Inc. Announces Delisting of Company's Common Stock on the NASDAQOn July 24, 2025, the NASDAQ was notified that the Merger and the Bank Mergers would be effective as of July 25, 2025, and it was requested that the NASDAQ (1) suspend trading of Penns Woods Bancorp, Inc. Common Stock, (2) withdraw Penns Woods Common Stock from listing on the NASDAQ at the close of trading on July 25, 2025, and (3) file with the Securities and Exchange Commission (the “SEC”) a notification of delisting of Penns Woods Common Stock under Section 12(b) of the Securities Exchange Act of 1934, as amended (the “Exchange Act”). As a result, Penns Woods Common Stock will no longer be listed on the NASDAQ. In furtherance of the foregoing,Northwest, as successor to Penns Woods, intends to file with the SEC certifications on Form 15 under the Exchange Act requesting the deregistration of Penns Woods Common Stock under Section 12(g) of the Exchange Act, and the corresponding immediate suspension of Penns Woods’s reporting obligations under Sections 13 and 15(d) of the Exchange Act as promptly as practicable, and to cease filing any further periodic reports with respect to Penns Woods as it no longer exists as a separate legal entity as a result of the Merger.
お知らせ • Jul 26+ 20 more updatesPenns Woods Bancorp, Inc.(NasdaqGS:PWOD) dropped from Russell 2000 Value BenchmarkPenns Woods Bancorp, Inc.(NasdaqGS:PWOD) dropped from Russell 2000 Value Benchmark
Buy Or Sell Opportunity • Jul 23Now 20% undervaluedOver the last 90 days, the stock has risen 13% to US$31.50. The fair value is estimated to be US$39.40, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 3.8% over the last 3 years, while earnings per share has been flat.
Seeking Alpha • Jun 20Penns Woods Bancorp: Being Acquired By Northwest BancsharesSummary Northwest Bancorp is buying Penns Woods creating an opportunity for both companies to thrive. The merger creates a stronger, more competitive bank with $16.6 billion in assets, cost synergies, and expanded market reach. PWOD shareholders benefit from a potential capital gain and a dividend increase from 4% to 6%+, while NWBI gains accretive earnings. The deal is unanimously approved, likely to close, and both banks have a history of steady dividends and successful acquisitions. In this article, I explain how buying shares of PWOD can create a capital gain and increased dividend yield. Read the full article on Seeking Alpha
Declared Dividend • May 29First quarter dividend of US$0.32 announcedDividend of US$0.32 is the same as last year. Ex-date: 10th June 2025 Payment date: 24th June 2025 Dividend yield will be 4.3%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 5.9% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
お知らせ • May 28Penns Woods Bancorp, Inc. Announces Quarterly Dividend, Payable on June 24, 2025Penns Woods Bancorp, Inc. announced that the Company’s Board of Directors declared a second quarter 2025 cash dividend of $0.32 per share. The dividend is payable June 24, 2025 to shareholders of record June 10, 2025.
Reported Earnings • Apr 27First quarter 2025 earnings released: EPS: US$0.97 (vs US$0.51 in 1Q 2024)First quarter 2025 results: EPS: US$0.97 (up from US$0.51 in 1Q 2024). Revenue: US$21.7m (up 38% from 1Q 2024). Net income: US$7.37m (up 94% from 1Q 2024). Profit margin: 34% (up from 24% in 1Q 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has increased by 6% per year.
Buy Or Sell Opportunity • Mar 04Now 20% undervalued after recent price dropOver the last 90 days, the stock has fallen 13% to US$29.25. The fair value is estimated to be US$36.57, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 2.8% over the last 3 years, while earnings per share has been flat.
Declared Dividend • Feb 27Fourth quarter dividend of US$0.32 announcedDividend of US$0.32 is the same as last year. Ex-date: 11th March 2025 Payment date: 25th March 2025 Dividend yield will be 4.3%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has remained steady over the last 5 years. Unless this trend deteriorates, it should provide adequate earnings cover for the dividend.
お知らせ • Feb 25Penns Woods Bancorp, Inc. Announces Quarterly Dividend, Payable on March 25, 2025Penns Woods Bancorp, Inc. announced that the Company’s Board of Directors declared a first quarter 2025 cash dividend of $0.32 per share. The dividend is payable March 25, 2025 to shareholders of record March 11, 2025.
Recent Insider Transactions Derivative • Feb 12President exercised options to buy US$706k worth of stock.On the 7th of February, Brian Knepp exercised 103.60k options at around US$28.01, then sold 80.84k of them at US$31.90 each and kept the remainder. Since March 2024, Brian's direct individual holding has increased from 17.80k shares to 22.61k. Company insiders have collectively bought US$327k more than they sold, via options and on-market transactions, in the last 12 months.
Reported Earnings • Jan 30Full year 2024 earnings released: EPS: US$2.35 (vs US$2.34 in FY 2023)Full year 2024 results: EPS: US$2.35 (up from US$2.34 in FY 2023). Revenue: US$68.4m (up 6.1% from FY 2023). Net income: US$17.7m (up 6.8% from FY 2023). Profit margin: 26% (in line with FY 2023). Over the last 3 years on average, earnings per share has remained flat but the company’s share price has increased by 8% per year, which means it is well ahead of earnings.
Buy Or Sell Opportunity • Jan 30Now 20% undervaluedOver the last 90 days, the stock has risen 14% to US$30.50. The fair value is estimated to be US$38.21, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 2.8% over the last 3 years, while earnings per share has been flat.
お知らせ • Jan 30Penns Woods Bancorp, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2024Penns Woods Bancorp, Inc. reported Net charge-offs for the fourth quarter ended December 31, 2024. The company's net charge-offs was $228,000.
Buy Or Sell Opportunity • Jan 02Now 21% undervaluedOver the last 90 days, the stock has risen 22% to US$29.81. The fair value is estimated to be US$37.74, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 3.1% over the last 3 years, while earnings per share has been flat.
お知らせ • Dec 19Northwest Bancshares, Inc. (NasdaqGS:NWBI) entered into a definitive agreement to acquire an Penns Woods Bancorp, Inc. (NasdaqGS:PWOD) for approximately $260 million.Northwest Bancshares, Inc. (NasdaqGS:NWBI) entered into a definitive agreement to acquire an Penns Woods Bancorp, Inc. (NasdaqGS:PWOD) for approximately $260 million on December 16, 2024. Under the terms of the Agreement, Northwest will exchange shares of its common stock for all of the outstanding shares of Penns Woods common stock. Penns Woods shareholders will be entitled to receive 2.385 shares of Northwest common stock for each share of Penns Woods common stock they own upon the effective time of the merger. Upon completion of the merger, the shares issued to Penns Woods shareholders are expected to comprise approximately 12% of the outstanding shares of the combined company. At closing, Jersey Shore State Bank and Luzerne Bank branches will become branches of Northwest Bank. Northwest will appoint Richard A. Grafmyre to the boards of Northwest and Northwest Bank after closing. The transaction is subject to the satisfaction of customary closing conditions, including regulatory approvals and approval by Penns Woods shareholders. The deal has been unanimously approved by the board of both companies. The transaction is expected to complete in the third quarter of 2025. Excluding one-time transaction costs, Northwest expects the transaction to be approximately 23% accretive to 2026 fully diluted earnings per share. Janney Montgomery Scott, LLC is acting as financial advisor to Northwest, and Dinsmore & Shohl LLP is acting as its legal advisor in the transaction. Frank Sorrentino of Stephens Inc. is acting as financial advisor to Penns Woods, and Stevens & Lee, P.C. is acting as its legal advisor in the transaction.
Buy Or Sell Opportunity • Dec 18Now 20% undervaluedOver the last 90 days, the stock has risen 27% to US$30.35. The fair value is estimated to be US$38.10, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 3.1% over the last 3 years, while earnings per share has been flat.
Declared Dividend • Nov 29Third quarter dividend of US$0.32 announcedDividend of US$0.32 is the same as last year. Ex-date: 10th December 2024 Payment date: 23rd December 2024 Dividend yield will be 4.0%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 1.4% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
お知らせ • Nov 27Penns Woods Bancorp, Inc. Announces Fourth Quarterly Dividend, Payable on December 23, 2024Penns Woods Bancorp, Inc., has announced that the Company’s Board of Directors declared a fourth quarter 2024 cash dividend of $0.32 per share. The dividend is payable December 23, 2024 to shareholders of record December 10, 2024.
Reported Earnings • Oct 25Third quarter 2024 earnings released: EPS: US$0.64 (vs US$0.31 in 3Q 2023)Third quarter 2024 results: EPS: US$0.64 (up from US$0.31 in 3Q 2023). Revenue: US$16.7m (up 21% from 3Q 2023). Net income: US$4.80m (up 116% from 3Q 2023). Profit margin: 29% (up from 16% in 3Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 2% per year and the company’s share price has also increased by 2% per year.
分析記事 • Aug 30Penns Woods Bancorp's (NASDAQ:PWOD) Dividend Will Be $0.32The board of Penns Woods Bancorp, Inc. ( NASDAQ:PWOD ) has announced that it will pay a dividend of $0.32 per share on...
Declared Dividend • Aug 29Second quarter dividend of US$0.32 announcedDividend of US$0.32 is the same as last year. Ex-date: 10th September 2024 Payment date: 24th September 2024 Dividend yield will be 5.6%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has remained steady over the last 5 years. Unless this trend deteriorates, it should provide adequate earnings cover for the dividend.
お知らせ • Aug 27Penns Woods Bancorp, Inc. Announces Dividend for the Third Quarter 2024, Payable on September 24, 2024Richard A. Grafmyre CFP®, Chief Executive Officer of Penns Woods Bancorp, Inc., has announced that the Company’s Board of Directors declared a third quarter 2024 cash dividend of $0.32 per share. The dividend is payable September 24, 2024 to shareholders of record September 10, 2024.
Reported Earnings • Aug 18Second quarter 2024 earnings released: EPS: US$0.72 (vs US$0.59 in 2Q 2023)Second quarter 2024 results: EPS: US$0.72 (up from US$0.59 in 2Q 2023). Revenue: US$17.7m (up 6.8% from 2Q 2023). Net income: US$5.39m (up 29% from 2Q 2023). Profit margin: 30% (up from 25% in 2Q 2023). Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has fallen by 1% per year.
Seeking Alpha • Aug 09Penns Woods Bancorp: 5.9% Dividend Yield, But Earnings Outlook Is LacklusterSummary Rate cuts will lift the residential loan balance, thereby boosting the bottom line. However, rate cuts will hurt the margin as assets are more rate-sensitive than liabilities. Earnings will likely be lower this year, then stabilize next year. PWOD is offering an attractive dividend yield of 5.9%. Although the capital is a bit low, the dividend appears to be safe. The December 2024 target price suggests a hefty price upside of 22%. Read the full article on Seeking Alpha
Reported Earnings • Jul 26Second quarter 2024 earnings released: EPS: US$0.72 (vs US$0.59 in 2Q 2023)Second quarter 2024 results: EPS: US$0.72 (up from US$0.59 in 2Q 2023). Revenue: US$17.7m (up 6.8% from 2Q 2023). Net income: US$5.39m (up 29% from 2Q 2023). Profit margin: 30% (up from 25% in 2Q 2023). Over the last 3 years on average, earnings per share has increased by 2% per year whereas the company’s share price has fallen by 1% per year.
Buy Or Sell Opportunity • Jul 18Now 22% undervaluedOver the last 90 days, the stock has risen 24% to US$22.31. The fair value is estimated to be US$28.56, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 3.9% over the last 3 years. Earnings per share has grown by 2.6%.
Valuation Update With 7 Day Price Move • Jul 16Investor sentiment improves as stock rises 18%After last week's 18% share price gain to US$22.70, the stock trades at a trailing P/E ratio of 10.8x. Average trailing P/E is 11x in the Banks industry in the US. Total returns to shareholders of 14% over the past three years.
お知らせ • Jul 03+ 3 more updatesPenns Woods Bancorp, Inc.(NasdaqGS:PWOD) dropped from Russell Small Cap Completeness IndexPenns Woods Bancorp, Inc.(NasdaqGS:PWOD) dropped from Russell Small Cap Completeness Index
分析記事 • May 31Penns Woods Bancorp (NASDAQ:PWOD) Will Pay A Dividend Of $0.32Penns Woods Bancorp, Inc. ( NASDAQ:PWOD ) has announced that it will pay a dividend of $0.32 per share on the 25th of...
Declared Dividend • May 30First quarter dividend of US$0.32 announcedDividend of US$0.32 is the same as last year. Ex-date: 11th June 2024 Payment date: 25th June 2024 Dividend yield will be 6.5%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has remained steady over the last 5 years. Unless this trend deteriorates, it should provide adequate earnings cover for the dividend.
お知らせ • May 29Penns Woods Bancorp, Inc. Announces Quarterly Dividend, Payable June 25, 2024Penns Woods Bancorp, Inc. announced that the Company’s Board of Directors declared a second quarter 2024 cash dividend of $0.32 per share. The dividend is payable June 25, 2024 to shareholders of record June 11, 2024.
Recent Insider Transactions • May 01Independent Director recently bought US$53k worth of stockOn the 30th of April, Charles Kranich bought around 3k shares on-market at roughly US$17.55 per share. This transaction amounted to 9.4% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$322k more in shares than they have sold in the last 12 months.
分析記事 • May 01We Think Shareholders May Want To Consider A Review Of Penns Woods Bancorp, Inc.'s (NASDAQ:PWOD) CEO Compensation PackageKey Insights Penns Woods Bancorp will host its Annual General Meeting on 7th of May Total pay for CEO Dick Grafmyre...
お知らせ • Apr 27Penns Woods Bancorp, Inc. Announces Unaudited Net Loan Charge-Offs for the First Quarter Ended March 31, 2024Penns Woods Bancorp, Inc. announced unaudited net loan charge-offs for the first quarter ended March 31, 2024. For the quarter, the company reported Net loan charge-offs of $380,000 against $123,000 a year ago.
Reported Earnings • Apr 25First quarter 2024 earnings released: EPS: US$0.51 (vs US$0.66 in 1Q 2023)First quarter 2024 results: EPS: US$0.51 (down from US$0.66 in 1Q 2023). Revenue: US$16.1m (down 2.5% from 1Q 2023). Net income: US$3.81m (down 18% from 1Q 2023). Profit margin: 24% (down from 28% in 1Q 2023). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 9% per year, which means it is significantly lagging earnings.
New Risk • Mar 15New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 6.5% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. This is currently the only risk that has been identified for the company.
Reported Earnings • Mar 14Full year 2023 earnings released: EPS: US$2.34 (vs US$2.47 in FY 2022)Full year 2023 results: EPS: US$2.34 (down from US$2.47 in FY 2022). Revenue: US$64.4m (flat on FY 2022). Net income: US$16.6m (down 4.7% from FY 2022). Profit margin: 26% (down from 27% in FY 2022). Net interest margin (NIM): 2.80% (down from 3.24% in FY 2022). Non-performing loans: 0.17% (down from 0.30% in FY 2022). Over the last 3 years on average, earnings per share has increased by 5% per year but the company’s share price has fallen by 9% per year, which means it is significantly lagging earnings.
Upcoming Dividend • Mar 04Upcoming dividend of US$0.32 per shareEligible shareholders must have bought the stock before 11 March 2024. Payment date: 26 March 2024. Trailing yield: 6.6%. Within top quartile of American dividend payers (4.8%). Higher than average of industry peers (3.1%).
Declared Dividend • Mar 01Fourth quarter dividend of US$0.32 announcedDividend of US$0.32 is the same as last year. Ex-date: 11th March 2024 Payment date: 26th March 2024 Dividend yield will be 6.6%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. Earnings per share has grown by 2.1% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover.
お知らせ • Feb 28Penns Woods Bancorp, Inc., Annual General Meeting, May 07, 2024Penns Woods Bancorp, Inc., Annual General Meeting, May 07, 2024, at 09:00 US Eastern Standard Time.
お知らせ • Feb 27Penns Woods Bancorp, Inc. Declares Dividend for the First Quarter of 2024, Payable on March 26, 2024Penns Woods Bancorp, Inc. has announced that the Company’s Board of Directors declared a first quarter 2024 cash dividend of $0.32 per share. The dividend is payable March on 26, 2024 to shareholders of record March 12, 2024.
Reported Earnings • Jan 30Full year 2023 earnings released: EPS: US$2.34 (vs US$2.47 in FY 2022)Full year 2023 results: EPS: US$2.34 (down from US$2.47 in FY 2022). Revenue: US$64.8m (flat on FY 2022). Net income: US$16.6m (down 4.7% from FY 2022). Profit margin: 26% (down from 27% in FY 2022). Net interest margin (NIM): 2.80% (down from 3.24% in FY 2022). Over the last 3 years on average, earnings per share has increased by 5% per year whereas the company’s share price has increased by 1% per year.
Valuation Update With 7 Day Price Move • Dec 22Investor sentiment improves as stock rises 15%After last week's 15% share price gain to US$23.53, the stock trades at a trailing P/E ratio of 10.8x. Average trailing P/E is 9x in the Banks industry in the US. Total returns to shareholders of 5.9% over the past three years.
Buying Opportunity • Dec 06Now 20% undervalued after recent price dropOver the last 90 days, the stock is down 19%. The fair value is estimated to be US$25.54, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.4% over the last 3 years. Earnings per share has grown by 6.7%.
Upcoming Dividend • Dec 04Upcoming dividend of US$0.32 per share at 6.3% yieldEligible shareholders must have bought the stock before 11 December 2023. Payment date: 22 December 2023. Payout ratio is a comfortable 58% and this is well supported by cash flows. Trailing yield: 6.3%. Within top quartile of American dividend payers (4.8%). Higher than average of industry peers (3.5%).
お知らせ • Nov 29Penns Woods Bancorp, Inc. Announces Quarterly Cash Dividend for the Fourth Quarter of 2023, Payable on December 22, 2023Penns Woods Bancorp, Inc. has announced that the Company’s Board of Directors declared a fourth quarter 2023 cash dividend of $0.32 per share. The dividend is payable December 22, 2023 to shareholders of record December 12, 2023.
Reported Earnings • Oct 26Third quarter 2023 earnings released: EPS: US$0.31 (vs US$0.74 in 3Q 2022)Third quarter 2023 results: EPS: US$0.31 (down from US$0.74 in 3Q 2022). Revenue: US$13.8m (down 18% from 3Q 2022). Net income: US$2.22m (down 58% from 3Q 2022). Profit margin: 16% (down from 31% in 3Q 2022). Over the last 3 years on average, earnings per share has increased by 7% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth.
Buying Opportunity • Sep 06Now 20% undervalued after recent price dropOver the last 90 days, the stock is down 5.2%. The fair value is estimated to be US$31.28, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 6.1% over the last 3 years. Earnings per share has grown by 9.0%.
分析記事 • Aug 25Penns Woods Bancorp (NASDAQ:PWOD) Will Pay A Dividend Of $0.32Penns Woods Bancorp, Inc. ( NASDAQ:PWOD ) has announced that it will pay a dividend of $0.32 per share on the 19th of...
Upcoming Dividend • Aug 25Upcoming dividend of US$0.32 per share at 5.1% yieldEligible shareholders must have bought the stock before 01 September 2023. Payment date: 19 September 2023. Payout ratio is a comfortable 49% and this is well supported by cash flows. Trailing yield: 5.1%. Within top quartile of American dividend payers (4.9%). Higher than average of industry peers (3.7%).
お知らせ • Aug 23Penns Woods Bancorp, Inc. Announces Quarterly Dividend for Third Quarter 2023, Payable on September 19, 2023Penns Woods Bancorp, Inc. has announced that the Company’s Board of Directors declared a third quarter 2023 cash dividend of $0.32 per share. The dividend is payable September 19, 2023 to shareholders of record September 5, 2023.
Reported Earnings • Jul 26Second quarter 2023 earnings released: EPS: US$0.59 (vs US$0.60 in 2Q 2022)Second quarter 2023 results: EPS: US$0.59 (down from US$0.60 in 2Q 2022). Revenue: US$16.6m (up 6.0% from 2Q 2022). Net income: US$4.17m (down 1.4% from 2Q 2022). Profit margin: 25% (down from 27% in 2Q 2022). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 9% per year and the company’s share price has also increased by 9% per year.
Buying Opportunity • Jul 13Now 20% undervaluedOver the last 90 days, the stock is up 3.9%. The fair value is estimated to be US$30.44, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.6% over the last 3 years. Earnings per share has grown by 8.0%.
Buying Opportunity • Jun 26Now 20% undervaluedOver the last 90 days, the stock is up 10%. The fair value is estimated to be US$31.81, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.6% over the last 3 years. Earnings per share has grown by 8.0%.
Upcoming Dividend • May 29Upcoming dividend of US$0.32 per share at 5.2% yieldEligible shareholders must have bought the stock before 05 June 2023. Payment date: 20 June 2023. Payout ratio is a comfortable 48% and this is well supported by cash flows. Trailing yield: 5.2%. Within top quartile of American dividend payers (5.2%). Higher than average of industry peers (3.7%).
分析記事 • May 27Penns Woods Bancorp's (NASDAQ:PWOD) Dividend Will Be $0.32The board of Penns Woods Bancorp, Inc. ( NASDAQ:PWOD ) has announced that it will pay a dividend of $0.32 per share on...
Buying Opportunity • May 26Now 21% undervalued after recent price dropOver the last 90 days, the stock is down 7.0%. The fair value is estimated to be US$31.38, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.6% over the last 3 years. Earnings per share has grown by 8.0%.
お知らせ • May 24Penns Woods Bancorp, Inc. Announces Quarterly Dividend, Payable on June 20, 2023Penns Woods Bancorp, Inc. announced that the Company’s Board of Directors declared a second quarter 2023 cash dividend of $0.32 per share. The dividend is payable June 20, 2023 to shareholders of record June 6, 2023.
お知らせ • May 13Penns Woods Bancorp, Inc. and Jersey Shore State Bank Announces Resignation of James M. Furey II as DirectorOn May 11, 2023, James M. Furey II, a director of Penns Woods Bancorp, Inc. (the “Company”) and its wholly owned subsidiary, Jersey Shore State Bank (the “Bank”), resigned as a director of the Company and the Bank in accordance with the Company’s mandatory director retirement bylaw, which requires a director to resign upon attaining age 76.
Buying Opportunity • Apr 25Now 22% undervalued after recent price dropOver the last 90 days, the stock is down 18%. The fair value is estimated to be US$28.71, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 4.7% over the last 3 years. Earnings per share has grown by 5.7%.
Reported Earnings • Mar 17Full year 2022 earnings released: EPS: US$2.47 (vs US$2.27 in FY 2021)Full year 2022 results: EPS: US$2.47 (up from US$2.27 in FY 2021). Revenue: US$64.6m (up 6.3% from FY 2021). Net income: US$17.4m (up 8.7% from FY 2021). Profit margin: 27% (in line with FY 2021). Net interest margin (NIM): 3.24% (up from 2.85% in FY 2021). Non-performing loans: 0.30% (down from 0.45% in FY 2021). Over the last 3 years on average, earnings per share has increased by 6% per year whereas the company’s share price has increased by 4% per year.
Upcoming Dividend • Mar 06Upcoming dividend of US$0.32 per share at 4.8% yieldEligible shareholders must have bought the stock before 13 March 2023. Payment date: 28 March 2023. Trailing yield: 4.8%. Within top quartile of American dividend payers (4.3%). Higher than average of industry peers (3.0%).
Reported Earnings • Feb 01Full year 2022 earnings released: EPS: US$2.47 (vs US$2.27 in FY 2021)Full year 2022 results: EPS: US$2.47 (up from US$2.27 in FY 2021). Revenue: US$64.6m (up 6.3% from FY 2021). Net income: US$17.4m (up 8.7% from FY 2021). Profit margin: 27% (in line with FY 2021). Over the last 3 years on average, earnings per share has increased by 6% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings.
Upcoming Dividend • Nov 28Upcoming dividend of US$0.32 per shareEligible shareholders must have bought the stock before 05 December 2022. Payment date: 20 December 2022. Payout ratio is a comfortable 51% and this is well supported by cash flows. Trailing yield: 4.9%. Within top quartile of American dividend payers (4.3%). Higher than average of industry peers (2.9%).
分析記事 • Nov 25Penns Woods Bancorp (NASDAQ:PWOD) Has Announced A Dividend Of $0.32Penns Woods Bancorp, Inc. ( NASDAQ:PWOD ) will pay a dividend of $0.32 on the 20th of December. Based on this payment...
お知らせ • Nov 23Penns Woods Bancorp, Inc. Announces Quarterly Dividend, Payable on December 20, 2022Richard A. Grafmyre CFP®, Chief Executive Officer of Penns Woods Bancorp, Inc. has announced that the company’s Board of Directors declared a fourth quarter 2022 cash dividend of $0.32 per share. The dividend is payable December 20, 2022 to shareholders of record December 6, 2022.
Board Change • Nov 16Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 4 experienced directors. 8 highly experienced directors. Independent Director Charles Kranich was the last director to join the board, commencing their role in 2019. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • Oct 22Third quarter 2022 earnings released: EPS: US$0.74 (vs US$0.58 in 3Q 2021)Third quarter 2022 results: EPS: US$0.74 (up from US$0.58 in 3Q 2021). Revenue: US$16.8m (up 8.1% from 3Q 2021). Net income: US$5.25m (up 27% from 3Q 2021). Profit margin: 31% (up from 27% in 3Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 7% per year, which means it is significantly lagging earnings.
お知らせ • Sep 28Penns Woods Bancorp, Inc. and Announce Resignation of Ronald A. Walko as A DirectorOn September 27, 2022, Ronald A. Walko, a director of Penns Woods Bancorp, Inc. and its wholly owned subsidiary, Jersey Shore State Bank, resigned as a director of the Company and the Bank in accordance with the Company’s mandatory director retirement bylaw, which requires a director to resign upon attaining age 76.
分析記事 • Aug 26Penns Woods Bancorp (NASDAQ:PWOD) Is Paying Out A Dividend Of $0.32The board of Penns Woods Bancorp, Inc. ( NASDAQ:PWOD ) has announced that it will pay a dividend on the 20th of...
Upcoming Dividend • Aug 26Upcoming dividend of US$0.32 per shareEligible shareholders must have bought the stock before 02 September 2022. Payment date: 20 September 2022. Payout ratio is a comfortable 54% and this is well supported by cash flows. Trailing yield: 5.3%. Within top quartile of American dividend payers (4.1%). Higher than average of industry peers (3.1%).
お知らせ • Aug 24Penns Woods Bancorp, Inc. Announces Dividend for the Third Quarter of 2022, Payable on September 20, 2022Penns Woods Bancorp, Inc., has announced that the Company’s Board of Directors declared a third quarter 2022 cash dividend of $0.32 per share. The dividend is payable September 20, 2022 to shareholders of record September 6, 2022.
Seeking Alpha • Aug 23Penns Woods Bancorp declares $0.32 dividendPenns Woods Bancorp (NASDAQ:PWOD) declares $0.32/share quarterly dividend, in line with previous. Forward yield 5.33% Payable Sept. 20; for shareholders of record Sept. 6; ex-div Sept. 2. See PWOD Dividend Scorecard, Yield Chart, & Dividend Growth.
Reported Earnings • Jul 22Second quarter 2022 earnings released: EPS: US$0.60 (vs US$0.51 in 2Q 2021)Second quarter 2022 results: EPS: US$0.60 (up from US$0.51 in 2Q 2021). Revenue: US$15.7m (up 6.8% from 2Q 2021). Net income: US$4.23m (up 18% from 2Q 2021). Profit margin: 27% (up from 25% in 2Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has remained flat but the company’s share price has fallen by 10% per year, which means it is significantly lagging earnings.