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PWOD

Penns Woods BancorpNasdaqGS:PWOD Stock Report

Market Cap

US$167.7m

7D

0.08%

1Y

15.1%

Updated

26 Oct, 2021

Data

Company Financials
PWOD fundamental analysis
Snowflake Score
Valuation4/6
Future Growth0/6
Past Performance3/6
Financial Health6/6
Dividends5/6

PWOD Overview

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.

Penns Woods Bancorp Competitors

Citizens & Northern

NasdaqCM:CZNC

US$412.8m

Howard Bancorp

NasdaqCM:HBMD

US$398.6m

Peoples Financial Services

NasdaqGS:PFIS

US$333.2m

First Bank

NasdaqGM:FRBA

US$296.6m

Price History & Performance

Summary of all time highs, changes and price drops for Penns Woods Bancorp
Historical stock prices
Current Share PriceUS$23.73
52 Week HighUS$19.86
52 Week LowUS$28.19
Beta0.70
1 Month Change0.042%
3 Month Change0.042%
1 Year Change15.14%
3 Year Change-11.01%
5 Year Change-14.25%
Change since IPO596.15%

Recent News & Updates

Aug 28
Penns Woods Bancorp (NASDAQ:PWOD) Is Due To Pay A Dividend Of US$0.32

Penns Woods Bancorp (NASDAQ:PWOD) Is Due To Pay A Dividend Of US$0.32

Penns Woods Bancorp, Inc.'s ( NASDAQ:PWOD ) investors are due to receive a payment of US$0.32 per share on 21st of...

Shareholder Returns

PWODUS BanksUS Market
7D0.08%2.9%1.9%
1Y15.1%77.0%33.4%

Return vs Industry: PWOD underperformed the US Banks industry which returned 73.9% over the past year.

Return vs Market: PWOD underperformed the US Market which returned 30.3% over the past year.

Price Volatility

Is PWOD's price volatile compared to industry and market?
PWOD volatility
PWOD Beta0.70
Industry Beta1.32
Market Beta1

Stable Share Price: PWOD is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 2% a week.

Volatility Over Time: PWOD's weekly volatility (2%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1983336Dick Grafmyrehttps://www.pwod.com

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. The company accepts time, demand, and savings deposits, including super NOW accounts, statement savings accounts, money market accounts, and certificates of deposit, as well as checking accounts and IRAs. It 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 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.

Penns Woods Bancorp Fundamentals Summary

How do Penns Woods Bancorp's earnings and revenue compare to its market cap?
PWOD fundamental statistics
Market CapUS$167.67m
Earnings (TTM)US$15.06m
Revenue (TTM)US$58.79m

11.1x

P/E Ratio

1.0x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
PWOD income statement (TTM)
RevenueUS$58.79m
Cost of RevenueUS$0
Gross ProfitUS$58.79m
ExpensesUS$43.73m
EarningsUS$15.06m

Last Reported Earnings

Sep 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)2.13
Gross Margin100.00%
Net Profit Margin25.61%
Debt/Equity Ratio80.4%

How did PWOD perform over the long term?

See historical performance and comparison

Dividends

5.4%

Current Dividend Yield

60%

Payout Ratio

Valuation

Is Penns Woods Bancorp undervalued compared to its fair value and its price relative to the market?

31.9%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: PWOD ($23.52) is trading below our estimate of fair value ($34.74)

Significantly Below Fair Value: PWOD is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: PWOD's PE Ratio (11x) is in line with the US Banks industry average.

PE vs Market: PWOD is good value based on its PE Ratio (11x) compared to the US market (18.2x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate PWOD's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: PWOD is good value based on its PB Ratio (1x) compared to the US Banks industry average (1.2x).


Future Growth

How is Penns Woods Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

-1.1%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Penns Woods Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Past Performance

How has Penns Woods Bancorp performed over the past 5 years?

6.7%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: PWOD has high quality earnings.

Growing Profit Margin: PWOD's current net profit margins (25.6%) are higher than last year (24.9%).


Past Earnings Growth Analysis

Earnings Trend: PWOD's earnings have grown by 6.7% per year over the past 5 years.

Accelerating Growth: PWOD's earnings growth over the past year (6.5%) is below its 5-year average (6.7% per year).

Earnings vs Industry: PWOD earnings growth over the past year (6.5%) underperformed the Banks industry 37.5%.


Return on Equity

High ROE: PWOD's Return on Equity (8.9%) is considered low.


Financial Health

How is Penns Woods Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: PWOD's Assets to Equity ratio (11.3x) is moderate.

Allowance for Bad Loans: PWOD has a sufficient allowance for bad loans (188%).

Low Risk Liabilities: 91% of PWOD's liabilities are made up of primarily low risk sources of funding.

Loan Level: PWOD has an appropriate level of Loans to Assets ratio (70%).

Low Risk Deposits: PWOD's Loans to Deposits ratio (84%) is appropriate.

Level of Bad Loans: PWOD has an appropriate level of bad loans (0.6%).


Dividend

What is Penns Woods Bancorp current dividend yield, its reliability and sustainability?

5.39%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: PWOD's dividend (5.44%) is higher than the bottom 25% of dividend payers in the US market (1.28%).

High Dividend: PWOD's dividend (5.44%) is in the top 25% of dividend payers in the US market (3.48%)


Stability and Growth of Payments

Stable Dividend: PWOD's dividends per share have been stable in the past 10 years.

Growing Dividend: PWOD's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonable payout ratio (60%), PWOD's dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

5.3yrs

Average management tenure


CEO

Dick Grafmyre (67 yo)

11yrs

Tenure

US$1,489,952

Compensation

Mr. Richard Allen Grafmyre, also known as Dick, CFP, has been the Chief Executive Officer of Penns Woods BanCorp, Inc. (“Penns”) since October 29, 2010 and served as its President. Mr. Grafmyre served as t...


CEO Compensation Analysis

Compensation vs Market: Dick's total compensation ($USD1.49M) is above average for companies of similar size in the US market ($USD1.08M).

Compensation vs Earnings: Dick's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: PWOD's management team is seasoned and experienced (5.3 years average tenure).


Board Members

Experienced Board: PWOD's board of directors are seasoned and experienced ( 11.8 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: PWOD insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Penns Woods Bancorp, Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: Penns Woods Bancorp, Inc.
  • Ticker: PWOD
  • Exchange: NasdaqGS
  • Founded: 1983
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$167.669m
  • Shares outstanding: 7.07m
  • Website: https://www.pwod.com

Number of Employees


Location

  • Penns Woods Bancorp, Inc.
  • 300 Market Street
  • PO Box 967
  • Williamsport
  • Pennsylvania
  • 17703-0967
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/26 22:33
End of Day Share Price2021/10/26 00:00
Earnings2021/09/30
Annual Earnings2020/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.