PWOD - Penns Woods Bancorp Inc Stock Price, Fair Value and News

19.52USD+0.04 (+0.21%)Delayed as of 17 May 2024, 10:59 am ET

Market Summary

USD19.52+0.04

Delayedas of 17 May 2024, 10:59 am

0.21%

PWOD Alerts

5 major insider buys recently.

PWOD Stock Price

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PWOD RSI Chart

PWOD Valuation

Market Cap

146.7M

Price/Earnings (Trailing)

9.31

Price/Sales (Trailing)

1.5

EV/EBITDA

5.11

Price/Free Cashflow

14.69

PWOD Price/Sales (Trailing)

PWOD Profitability

EBT Margin

19.58%

Return on Equity

8.14%

Return on Assets

0.71%

Free Cashflow Yield

6.81%

PWOD Fundamentals

PWOD Revenue

Revenue (TTM)

98.0M

Rev. Growth (Yr)

32.05%

Rev. Growth (Qtr)

1.21%

PWOD Earnings

Earnings (TTM)

15.8M

Earnings Growth (Yr)

-18.25%

Earnings Growth (Qtr)

-31.45%

Breaking Down PWOD Revenue

52 Week Range

19.3627.59

(Low)(High)

Last 7 days

1.8%

Last 30 days

11.8%

Last 90 days

-3.5%

Trailing 12 Months

-17.5%

How does PWOD drawdown profile look like?

PWOD Financial Health

Debt/Equity

1.35

Debt/Cashflow

0.04

PWOD Investor Care

Dividend Yield

6.57%

Dividend/Share (TTM)

1.28

Shares Dilution (1Y)

6.61%

Diluted EPS (TTM)

2.22

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	98.0M	0	0	0
2023	70.5M	77.2M	84.3M	91.6M
2022	58.1M	58.9M	61.0M	64.9M
2021	61.1M	59.4M	58.8M	58.4M
2020	66.5M	65.7M	64.0M	62.6M
2019	62.0M	64.7M	66.6M	66.8M
2018	51.5M	53.4M	55.6M	58.7M
2017	46.8M	47.3M	48.6M	50.0M
2016	46.5M	46.6M	46.7M	46.8M
2015	45.7M	45.8M	45.9M	46.1M
2014	45.1M	46.4M	45.9M	45.6M
2013	37.4M	38.1M	40.8M	43.3M
2012	36.7M	37.1M	37.2M	37.1M
2011	36.4M	36.1M	36.1M	36.4M
2010	0	36.2M	36.3M	36.4M
2009	0	0	0	36.2M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Penns Woods Bancorp Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
May 03, 2024	kranich charles e.	bought	9,338	18.6774	500	-
May 02, 2024	carter aron m	bought	9,980	18.655	535	senior vice president
Apr 30, 2024	miller robert q.	acquired	7,236	17.48	414	-
Apr 30, 2024	karas michelle m	bought	1,730	17.3	100	chief data officer
Apr 30, 2024	hawbaker d michael	acquired	7,236	17.48	414	-
Apr 30, 2024	karas michelle m	bought	-	-	-	chief data officer
Apr 30, 2024	knepp brian l	bought	46,241	17.3187	2,670	president
Apr 30, 2024	casale michael j jr	bought	51,870	17.29	3,000	-
Apr 30, 2024	grafmyre richard a	bought	51,900	17.3	3,000	chief executive officer

Which funds bought or sold PWOD recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 15, 2024	Cetera Advisor Networks LLC	unchanged	-	-150,846	944,491	-%
May 15, 2024	TWO SIGMA ADVISERS, LP	reduced	-26.00	-203,665	359,085	-%
May 15, 2024	MILLENNIUM MANAGEMENT LLC	new	-	321,934	321,934	-%
May 15, 2024	TWO SIGMA INVESTMENTS, LP	reduced	-13.64	-134,826	393,169	-%
May 15, 2024	NORTHWESTERN MUTUAL WEALTH MANAGEMENT CO	unchanged	-	-1,603	10,035	-%
May 15, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	added	2.42	-190,054	1,436,630	0.03%
May 15, 2024	Royal Bank of Canada	reduced	-28.41	-57,000	92,000	-%
May 15, 2024	CITADEL ADVISORS LLC	reduced	-9.87	-122,795	428,340	-%
May 15, 2024	Tower Research Capital LLC (TRC)	reduced	-24.39	-6,071	11,374	-%
May 15, 2024	Evergreen Wealth Solutions, LLC	added	0.22	-54,446	346,344	0.26%

Are Funds Buying or Selling PWOD?

Are funds buying PWOD calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own PWOD

No. of Funds

PWOD Alerts

5 major insider buys recently.

Unveiling Penns Woods Bancorp Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Jan 29, 2024	blackrock inc.	5.8%	417,588	SC 13G
Jul 12, 2021	blackrock inc.	0.5%	37,955	SC 13G/A
Jan 29, 2021	blackrock inc.	5.7%	403,973	SC 13G/A
Feb 07, 2020	blackrock inc.	5.4%	377,412	SC 13G

Recent SEC filings of Penns Woods Bancorp Inc

View All Filings

Date Filed	Form Type	Document
May 15, 2024	10-Q	Quarterly Report
May 08, 2024	4/A	Insider Trading
May 08, 2024	8-K	Current Report
May 03, 2024	4	Insider Trading
May 02, 2024	4	Insider Trading
May 01, 2024	4	Insider Trading
May 01, 2024	4	Insider Trading
May 01, 2024	4	Insider Trading
May 01, 2024	4	Insider Trading
May 01, 2024	4	Insider Trading

Peers (Alternatives to Penns Woods Bancorp Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	581.4B	174.7B	11.99%	46.24%	11.55	3.33	53.11%	19.83%
BAC	306.7B	137.9B	13.09%	37.28%	12.25	2.22	56.12%	-12.56%
WFC	212.8B	85.8B	8.19%	50.84%	11.34	2.48	35.02%	26.14%
C	122.4B	125.0B	12.50%	36.26%	15.31	0.98	37.85%	-
CFG	16.6B	10.4B	12.65%	38.40%	11.61	1.6	26.22%	-33.87%
KEY	14.4B	8.1B	7.74%	50.49%	16.53	1.78	32.15%	-50.93%
MID-CAP
CMA	7.2B	4.2B	8.99%	43.16%	10.4	1.7	34.68%	-45.96%
ZION	6.6B	4.1B	13.27%	70.96%	10.5	1.62	32.93%	-30.73%
ABCB	3.5B	1.3B	12.98%	57.40%	12.27	2.64	30.60%	-12.99%
ASB	3.3B	2.0B	11.41%	42.76%	20.79	1.64	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	415.3M	173.1M	13.52%	27.11%	14.24	2.4	26.54%	-34.86%
ALRS	390.4M	152.4M	-1.25%	34.56%	39.27	2.56	16.94%	-73.84%
ACNB	289.6M	98.7M	3.86%	15.94%	9.84	2.93	6.27%	-22.90%
ASRV	47.2M	62.5M	11.11%	-5.26%	-15.95	0.75	18.83%	-145.18%

Penns Woods Bancorp Inc News

Latest updates

Penns Woods Bancorp Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	1.2%	26.00	26.00	24.00	22.00	20.00	19.00	17.00	15.00	14.00	15.00	15.00	14.00	15.00	15.00	15.00	16.00	16.00	16.00	17.00	17.00	16.00
EBITDA Margin	-8.6%	0.75*	0.82*	0.90*	1.06*	1.17*	1.22*	1.26*	1.24*	1.21*	1.19*	1.14*	1.13*	-	-	-	-	-	-	-	-	-
Interest Expenses	-1.4%	14.00	14.00	13.00	13.00	14.00	16.00	16.00	14.00	13.00	13.00	13.00	12.00	12.00	12.00	12.00	12.00	12.00	12.00	13.00	13.00	13.00
Income Taxes	-53.0%	1.00	1.00	0.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	1.00	1.00	1.00
Earnings Before Taxes	-35.7%	4.00	7.00	3.00	5.00	6.00	6.00	6.00	5.00	4.00	6.00	5.00	4.00	4.00	5.00	6.00	5.00	4.00	3.00	6.00	5.00	5.00
EBT Margin	-11.7%	0.20*	0.22*	0.23*	0.30*	0.33*	0.33*	0.36*	0.35*	0.34*	0.34*	0.31*	0.32*	-	-	-	-	-	-	-	-	-
Net Income	-31.4%	4.00	6.00	2.00	4.00	5.00	5.00	5.00	4.00	3.00	5.00	4.00	4.00	3.00	4.00	4.00	4.00	3.00	3.00	5.00	4.00	4.00
Net Income Margin	-11.3%	0.16*	0.18*	0.18*	0.24*	0.26*	0.27*	0.29*	0.28*	0.28*	0.27*	0.26*	0.26*	-	-	-	-	-	-	-	-	-
Free Cashflow	-51.0%	2.00	5.00	-0.81	4.00	11.00	5.00	8.00	3.00	7.00	6.00	5.00	-2.45	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	0.2%	2,210	2,205	2,176	2,135	2,065	2,000	1,905	1,892	1,917	1,941	1,911	1,895	1,896	1,835	1,841	1,838	1,689	1,665	1,673	1,712	1,705
Cash Equivalents	-13.1%	33.00	37.00	36.00	45.00	42.00	40.00	37.00	91.00	219	264	282	267	278	213	226	215	78.00	49.00	57.00	80.00	74.00
Net PPE	-	-	-	-	-	-	-	-	-	-	-	-	-	35.00	33.00	33.00	33.00	33.00	33.00	33.00	33.00	33.00
Goodwill	0%	16.00	16.00	16.00	16.00	16.00	16.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00
Liabilities	0.2%	2,017	2,013	2,002	1,961	1,891	1,832	1,741	1,726	1,748	1,769	1,742	1,728	1,732	1,670	1,678	1,679	1,532	1,510	1,518	1,560	1,558
Short Term Borrowings	-23.8%	111	146	194	180	97.00	153	31.00	5.00	7.00	6.00	9.00	8.00	7.00	5.00	15.00	15.00	18.00	-	6.00	59.00	84.00
Long Term Debt	3.6%	262	253	218	203	133	103	103	113	113	126	126	141	141	153	-	-	-	162	-	-	-
Shareholder's Equity	1.0%	194	192	175	174	174	168	164	166	168	172	168	167	164	164	162	160	157	155	155	152	147
Retained Earnings	1.3%	109	107	104	104	102	98.00	96.00	93.00	91.00	90.00	87.00	85.00	84.00	83.00	81.00	79.00	77.00	77.00	76.00	74.00	72.00
Additional Paid-In Capital	0.8%	62.00	62.00	56.00	55.00	55.00	54.00	54.00	54.00	54.00	54.00	54.00	53.00	53.00	53.00	52.00	52.00	52.00	51.00	51.00	51.00	51.00
Shares Outstanding	0.2%	8.00	8.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	7.00	-	-	-	-	-	-	-	-	-
Minority Interest	-	-	-	-	-	-	-	-	-	-	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Float	-	-	-	-	177	-	-	-	163	-	-	-	168	-	-	-	160	-	-	-	212	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-51.0%	2,268	4,625	-808	3,899	11,106	5,259	8,259	3,285	7,090	5,536	5,446	-2,449	9,390	7,099	2,912	3,381	8,608	-1,723	7,391	2,084	6,298
Share Based Compensation	15.7%	273	236	229	233	253	227	236	453	315	206	227	307	220	179	239	238	198	182	185	177	136
Cashflow From Investing	46.5%	-9,391	-17,550	-49,051	-66,691	-63,703	-88,064	-76,455	-104,217	-28,911	-45,754	-4,916	-6,123	814	-10,630	11,310	-8,683	-2,736	5,049	13,061	3,080	-2,715
Cashflow From Financing	-85.1%	2,204	14,797	40,588	66,007	53,910	86,276	14,066	-26,879	-23,238	22,433	13,997	-1,996	54,126	-9,383	-3,124	142,715	23,300	-12,078	-42,636	765	3,271
Dividend Payments	0.8%	2,404	2,384	2,261	2,261	2,258	2,258	2,257	2,256	2,265	2,264	2,260	2,255	2,262	2,259	2,255	2,253	2,253	2,259	2,206	2,206	2,205
Buy Backs	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

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PWOD Income Statement

2024-03-31

CONSOLIDATED STATEMENT OF INCOME - USD ($) $ in Thousands	3 Months Ended
CONSOLIDATED STATEMENT OF INCOME - USD ($) $ in Thousands	Mar. 31, 2024	Mar. 31, 2023
INTEREST AND DIVIDEND INCOME:
Loans, including fees	$ 23,860	$ 18,005
Investment securities:
Taxable	1,594	1,218
Tax-exempt	97	178
Dividend and other interest income	679	463
TOTAL INTEREST AND DIVIDEND INCOME	26,230	19,864
INTEREST EXPENSE:
Deposits	7,963	3,372
Short-term borrowings	2,005	1,440
Long-term borrowings	2,516	754
TOTAL INTEREST EXPENSE	12,484	5,566
NET INTEREST INCOME	13,746	14,298
PROVISION FOR CREDIT LOSSES	138	71
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	13,608	14,227
NON-INTEREST INCOME:
Net debt securities losses, available for sale	(23)	(61)
Net equity securities (losses) gains	(10)	21
Bank-owned life insurance	463	556
Gain on sale of loans	305	231
Other	322	179
TOTAL NON-INTEREST INCOME	2,462	2,257
NON-INTEREST EXPENSE:
Salaries and employee benefits	6,422	6,176
Occupancy	905	866
Furniture and equipment	939	846
Software amortization	190	183
Pennsylvania shares tax	320	248
Professional fees	552	688
Federal Deposit Insurance Corporation deposit insurance	359	245
Marketing	71	155
Intangible amortization	26	35
Loss on sale of premise and equipment	330	0
Other	1,509	1,456
TOTAL NON-INTEREST EXPENSE	11,623	10,898
INCOME BEFORE INCOME TAX PROVISION	4,447	5,586
INCOME TAX PROVISION	639	928
Net Income	$ 3,808	$ 4,658
Earnings per share - basic (in dollars per share)	$ 0.51	$ 0.66
Earnings per share - diluted (in dollars per share)	$ 0.51	$ 0.64
Weighted average shares outstanding - basic (in shares)	7,512,520	7,058,397
Weighted average shares outstanding - diluted (in shares)	7,512,520	7,334,197
Service charges
NON-INTEREST INCOME:
Revenue from contract with customer	$ 515	$ 496
Insurance commissions
NON-INTEREST INCOME:
Revenue from contract with customer	153	165
Brokerage commissions
NON-INTEREST INCOME:
Revenue from contract with customer	186	165
Loan broker commissions
NON-INTEREST INCOME:
Revenue from contract with customer	222	170
Debit card income
NON-INTEREST INCOME:
Revenue from contract with customer	$ 329	$ 335

PWOD Balance Sheet

2024-03-31

CONSOLIDATED BALANCE SHEET - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS:
Noninterest-bearing balances	$ 23,488	$ 28,969
Interest-bearing balances in other financial institutions	9,055	8,493
Total cash and cash equivalents	32,543	37,462
Investment debt securities, available for sale, at fair value	187,245	190,945
Investment equity securities, at fair value	1,112	1,122
Restricted investment in bank stock	23,420	24,323
Loans held for sale	3,360	3,993
Loans	1,855,347	1,839,764
Allowance for credit losses	(11,542)	(11,446)
Loans, net	1,843,805	1,828,318
Premises and equipment, net	28,970	30,250
Accrued interest receivable	11,344	11,044
Bank-owned life insurance	32,853	33,867
Investment in limited partnerships	7,515	7,815
Goodwill	16,450	16,450
Intangibles	184	210
Operating lease right-of-use asset	2,922	2,512
Deferred tax asset	4,546	4,655
Other assets	13,847	11,843
TOTAL ASSETS	2,210,116	2,204,809
LIABILITIES:
Interest-bearing deposits	1,147,111	1,118,320
Noninterest-bearing deposits	471,451	471,173
Total deposits	1,618,562	1,589,493
Short-term borrowings	111,208	145,926
Long-term borrowings	261,770	252,598
Accrued interest payable	4,174	3,814
Operating lease liability	2,987	2,570
Other liabilities	17,898	18,852
TOTAL LIABILITIES	2,016,599	2,013,253
SHAREHOLDERS’ EQUITY:
Preferred stock, no par value, 3,000,000 shares authorized; no shares issued	0	0
Common stock, par value $5.55, 22,500,000 shares authorized; 8,035,597 and 8,019,219 shares issued; 7,525,372 and 7,508,994 outstanding	44,641	44,550
Additional paid-in capital	62,215	61,733
Retained earnings	108,642	107,238
Accumulated other comprehensive loss:
Net unrealized loss on available for sale securities	(6,425)	(6,396)
Defined benefit plan	(2,741)	(2,754)
Treasury stock at cost, 510,225 shares	(12,815)	(12,815)
TOTAL SHAREHOLDERS' EQUITY	193,517	191,556
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$ 2,210,116	$ 2,204,809

About Penns Woods Bancorp Inc

Penns Woods Bancorp, Inc. operates as the bank holding company for Jersey Shore State Bank, which provides commercial and retail banking services to individuals, partnerships, non-profit organizations, and corporations. It accepts time, demand, and savings deposits, including super NOW accounts, statement savings accounts, money market accounts, and certificates of deposit, as well as checking and IRAs accounts. The company 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 construction and 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. In addition, it provides securities brokerage and financial planning services, which include the sale of life insurance products, annuities, and estate planning services; property and casualty, and auto insurance products; safe deposit services; ATM services; and Internet and telephone banking services. Further, the company engages in real estate transactions and investment activities. It operates through a network of offices located in Clinton, Lycoming, Centre, Montour, Union, Blair, and Luzerne Counties, Pennsylvania. The company was founded in 1934 and is headquartered in Williamsport, Pennsylvania.

CEO	Mr. Richard Allen Grafmyre CFP
WEBSITE	pwod.com
INDUSTRY	Banks Diversified
EMPLOYEES	302

Penns Woods Bancorp Inc Frequently Asked Questions

What is the ticker symbol for Penns Woods Bancorp Inc? What does PWOD stand for in stocks?

PWOD is the stock ticker symbol of Penns Woods Bancorp Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Penns Woods Bancorp Inc (PWOD)?

As of Thu May 16 2024, market cap of Penns Woods Bancorp Inc is 146.68 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of PWOD stock?

You can check PWOD's fair value in chart for subscribers.

What is the fair value of PWOD stock?

You can check PWOD's fair value in chart for subscribers. The fair value of Penns Woods Bancorp Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Penns Woods Bancorp Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for PWOD so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Penns Woods Bancorp Inc a good stock to buy?

The fair value guage provides a quick view whether PWOD is over valued or under valued. Whether Penns Woods Bancorp Inc is cheap or expensive depends on the assumptions which impact Penns Woods Bancorp Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for PWOD.

What is Penns Woods Bancorp Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Thu May 16 2024, PWOD's PE ratio (Price to Earnings) is 9.31 and Price to Sales (PS) ratio is 1.5. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. PWOD PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Penns Woods Bancorp Inc's stock?

In the past 10 years, Penns Woods Bancorp Inc has provided -0.005 (multiply by 100 for percentage) rate of return.