NasdaqGS:PWOD

Stock Analysis Report

Executive Summary

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.

Snowflake

Fundamentals

Excellent balance sheet established dividend payer.

Risks

  • Penns Woods Bancorp is not covered by any analysts.

Similar Companies

Share Price & News

How has Penns Woods Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.9%

NasdaqGS:PWOD

-1.8%

US Banks

0.2%

US Market


1 Year Return

-9.3%

NasdaqGS:PWOD

-15.3%

US Banks

-0.7%

US Market

PWOD outperformed the Banks industry which returned -15.3% over the past year.

PWOD underperformed the Market in United States of America which returned -0.7% over the past year.


Share holder returns

PWODIndustryMarket
7 Day0.9%-1.8%0.2%
30 Day-7.5%-6.4%-2.7%
90 Day-1.9%-4.0%1.6%
1 Year-5.3%-9.3%-12.9%-15.3%1.6%-0.7%
3 Year7.1%-5.8%41.3%31.7%40.0%30.9%
5 Year15.0%-7.3%50.8%34.5%53.8%36.8%

Price Volatility Vs. Market

How volatile is Penns Woods Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Penns Woods Bancorp undervalued based on future cash flows and its price relative to the stock market?

12.08x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Penns Woods Bancorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Penns Woods Bancorp's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Penns Woods Bancorp is good value based on earnings compared to the US Banks industry average.

Penns Woods Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Penns Woods Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Penns Woods Bancorp is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

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

0.7%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Penns Woods Bancorp is high growth as no revenue estimate data is available.

Penns Woods Bancorp's earnings are expected to grow by 0.7% yearly, however this is not considered high growth (20% yearly).

Unable to compare Penns Woods Bancorp's revenue growth to the United States of America market average as no estimate data is available.

Penns Woods Bancorp's earnings growth is positive but not above the United States of America market average.

Penns Woods Bancorp's earnings growth is positive but not above the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Penns Woods Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

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

-2.3%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Penns Woods Bancorp's year on year earnings growth rate was negative over the past 5 years, however the most recent earnings are above average.

Penns Woods Bancorp's 1-year earnings growth exceeds its 5-year average (51.6% vs -2.3%)

Penns Woods Bancorp's earnings growth has exceeded the US Banks industry average in the past year (51.6% vs 33.2%).


Return on Equity

Penns Woods Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Penns Woods Bancorp used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Penns Woods Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

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

Information is not available.

Information is not available.


Financial Institutions Analysis

Penns Woods Bancorp has an acceptable proportion of non-loan assets held.

Penns Woods Bancorp has a low allowance for bad loans.

Penns Woods Bancorp's liabilities are made up of primarily low risk sources of funding.

Penns Woods Bancorp's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Penns Woods Bancorp are broadly funded by customer deposits.

Penns Woods Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

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

4.51%

Current Dividend Yield


Dividend Yield and Payments Analysis

Penns Woods Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Penns Woods Bancorp's dividend is above the markets top 25% of dividend payers in United States of America (3.85%).

Dividends per share have been stable in the past 10 years.

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are covered by earnings (1.8x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Penns Woods Bancorp's salary, the management and board of directors tenure and is there insider trading?

3.4yrs

Average management tenure


CEO

Dick Grafmyre (65yo)

8.8yrs

Tenure

US$1,061,642

Compensation

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


CEO Compensation Analysis

Dick's remuneration is about average for companies of similar size in United States of America.

Dick's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

3.4yrs

Average Tenure

49yo

Average Age

The tenure for the Penns Woods Bancorp management team is about average.


Board Age and Tenure

13.6yrs

Average Tenure

65.5yo

Average Age

The average tenure for the Penns Woods Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Recent Insider Transactions

BuyUS$4,55106 Mar 19
Cameron Kephart
EntityIndividual
Shares100
Max PriceUS$45.51
BuyUS$12,34326 Feb 19
John Nackley
EntityIndividual
Shares300
Max PriceUS$41.14
BuyUS$9,75719 Feb 19
Joseph Kluger
EntityIndividual
Role
Vice Chairman
Vice Chairman of the Board
Shares247
Max PriceUS$39.50
BuyUS$107,15707 Feb 19
R. Nestlerode
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares2,770
Max PriceUS$38.78
BuyUS$36,02504 Feb 19
D. Hawbaker
EntityIndividual
Shares1,000
Max PriceUS$36.03
BuyUS$26,91004 Feb 19
Richard Grafmyre
EntityIndividual
Role
Chief Executive Officer
CEO & Director
Shares750
Max PriceUS$35.88
BuyUS$18,00004 Feb 19
James Furey
EntityIndividual
Role
Member of the Board of Directors
Director
Shares500
Max PriceUS$36.00
BuyUS$63,29804 Feb 19
William Edwards
EntityIndividual
Shares1,750
Max PriceUS$36.17
BuyUS$36,45004 Feb 19
Michael Casale
EntityIndividual
Role
Member of the Board of Directors
Director
Shares1,000
Max PriceUS$36.50
BuyUS$6,10804 Feb 19
Aron Carter
EntityIndividual
Role
Senior Key Executive
Senior VP & Chief Risk Officer
Shares169
Max PriceUS$36.14
BuyUS$20,13930 Oct 18
Richard Grafmyre
EntityIndividual
Role
Chief Executive Officer
CEO & Director
Shares500
Max PriceUS$40.28

Ownership Breakdown


Management Team

  • Brian Knepp (44yo)

    President

    • Tenure: 4.6yrs
    • Compensation: US$498.61k
  • Shelley Karas (52yo)

    Senior VP

    • Tenure: 3.4yrs
    • Compensation: US$212.46k
  • Dick Grafmyre (65yo)

    CEO & Director

    • Tenure: 8.8yrs
    • Compensation: US$1.06m
  • Aron Carter (46yo)

    Senior VP & Chief Risk Officer

    • Tenure: 6.6yrs
    • Compensation: US$185.75k
  • Mark Beatty

    Chief Information Officer & Senior VP

    • Tenure: 0.0yrs
  • Aaron Cunningham

    Chief Credit Officer & Senior VP

    • Tenure: 3.3yrs
  • Bill Mauck

    SVP of Deposit Ops

    • Tenure: 3.2yrs
  • Roxanna Chapman

    Senior Vice President of Loan Operations

    • Tenure: 3.2yrs
  • Kim Yale

    Executive Assistant to President & Shareholder Relations

    • Tenure: 6.6yrs

Board Members

  • Ronald Walko (72yo)

    Director

    • Tenure: 19.6yrs
    • Compensation: US$58.00k
  • William Rockey (72yo)

    Director

    • Tenure: 20.6yrs
    • Compensation: US$58.00k
  • Michael Casale (67yo)

    Director

    • Tenure: 20.6yrs
    • Compensation: US$60.50k
  • R. Nestlerode (66yo)

    Chairman of the Board

    • Tenure: 0.0yrs
    • Compensation: US$69.25k
  • James Furey (71yo)

    Director

    • Tenure: 29.6yrs
    • Compensation: US$60.50k
  • Brian Knepp (44yo)

    President

    • Tenure: 4.6yrs
    • Compensation: US$498.61k
  • Leroy Keiler (55yo)

    Director

    • Tenure: 13.6yrs
    • Compensation: US$58.00k
  • Dick Grafmyre (65yo)

    CEO & Director

    • Tenure: 8.8yrs
    • Compensation: US$1.06m
  • Daniel Brewer (57yo)

    Director

    • Tenure: 7.1yrs
    • Compensation: US$69.25k
  • Joe Kluger (55yo)

    Vice Chairman of the Board

    • Tenure: 6.1yrs
    • Compensation: US$55.00k

Company Information

Penns Woods Bancorp, Inc.'s company bio, 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$195.836m
  • Shares outstanding: 4.69m
  • Website: https://www.pwod.com

Number of Employees


Location

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

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PWODNasdaqGS (Nasdaq Global Select)YesCommon StockUSUSDOct 1990

Biography

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 o ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/21 23:40
End of Day Share Price2019/08/21 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.