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.
No risks detected for PWOD from our risk checks.
Penns Woods Bancorp Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$23.73|
|52 Week High||US$19.86|
|52 Week Low||US$28.19|
|1 Month Change||0.042%|
|3 Month Change||0.042%|
|1 Year Change||15.14%|
|3 Year Change||-11.01%|
|5 Year Change||-14.25%|
|Change since IPO||596.15%|
Recent News & Updates
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...
|PWOD||US Banks||US Market|
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.
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
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
|PWOD fundamental statistics|
Is PWOD overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|PWOD income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
|Earnings per share (EPS)||2.13|
|Net Profit Margin||25.61%|
How did PWOD perform over the long term?See historical performance and comparison
5.4%Current Dividend Yield
Is Penns Woods Bancorp undervalued compared to its fair value and its price relative to the market?
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).
How is Penns Woods Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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.
How has Penns Woods Bancorp performed over the past 5 years?
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.
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
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%).
What is Penns Woods Bancorp current dividend yield, its reliability and sustainability?
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.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Dick Grafmyre (67 yo)
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.
Experienced Management: PWOD's management team is seasoned and experienced (5.3 years average tenure).
Experienced Board: PWOD's board of directors are seasoned and experienced ( 11.8 years average tenure).
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
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Penns Woods Bancorp, Inc.'s employee growth, exchange listings and data sources
- 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
- Penns Woods Bancorp, Inc.
- 300 Market Street
- PO Box 967
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/26 22:33|
|End of Day Share Price||2021/10/26 00:00|
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.