Penns Woods Bancorp Statistics

Total Valuation

PWOD has a market cap or net worth of $231.93 million. The enterprise value is $494.78 million.

Market Cap	231.93M
Enterprise Value	494.78M

Important Dates

The next estimated earnings date is Thursday, July 24, 2025.

Earnings Date	Jul 24, 2025
Ex-Dividend Date	Jun 10, 2025

Share Statistics

PWOD has 7.61 million shares outstanding. The number of shares has increased by 5.14% in one year.

Current Share Class	7.61M
Shares Outstanding	7.61M
Shares Change (YoY)	+5.14%
Shares Change (QoQ)	+0.46%
Owned by Insiders (%)	6.54%
Owned by Institutions (%)	29.99%
Float	7.11M

Valuation Ratios

The trailing PE ratio is 10.27.

PE Ratio	10.27
Forward PE	n/a
PS Ratio	2.92
Forward PS	n/a
PB Ratio	1.03
P/TBV Ratio	1.19
P/FCF Ratio	14.38
P/OCF Ratio	13.52
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	23.23
EV / Sales	6.66
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	30.67

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	18.61
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.50%.

Return on Equity (ROE)	10.50%
Return on Assets (ROA)	0.95%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$238,952
Profits Per Employee	$68,482
Employee Count	311
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, PWOD has paid $5.23 million in taxes.

Income Tax	5.23M
Effective Tax Rate	19.72%

Stock Price Statistics

The stock price has increased by +44.50% in the last 52 weeks. The beta is 0.49, so PWOD's price volatility has been lower than the market average.

Beta (5Y)	0.49
52-Week Price Change	+44.50%
50-Day Moving Average	29.17
200-Day Moving Average	28.61
Relative Strength Index (RSI)	62.73
Average Volume (20 Days)	73,483

Short Selling Information

The latest short interest is 33,527, so 0.44% of the outstanding shares have been sold short.

Short Interest	33,527
Short Previous Month	28,987
Short % of Shares Out	0.44%
Short % of Float	0.47%
Short Ratio (days to cover)	1.75

Income Statement

In the last 12 months, PWOD had revenue of $74.31 million and earned $21.30 million in profits. Earnings per share was $2.80.

Revenue	74.31M
Gross Profit	74.31M
Operating Income	31.29M
Pretax Income	19.18M
Net Income	21.30M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.80

Full Income Statement

Balance Sheet

The company has $37.45 million in cash and $300.29 million in debt, giving a net cash position of -$262.85 million or -$34.52 per share.

Cash & Cash Equivalents	37.45M
Total Debt	300.29M
Net Cash	-262.85M
Net Cash Per Share	-$34.52
Equity (Book Value)	212.02M
Book Value Per Share	27.85
Working Capital	-1.76B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $17.16 million and capital expenditures -$1.03 million, giving a free cash flow of $16.13 million.

Operating Cash Flow	17.16M
Capital Expenditures	-1.03M
Free Cash Flow	16.13M
FCF Per Share	$2.12

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	42.10%
Pretax Margin	35.70%
Profit Margin	28.66%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	21.71%

Dividends & Yields

This stock pays an annual dividend of $1.28, which amounts to a dividend yield of 4.49%.

Dividend Per Share	$1.28
Dividend Yield	4.49%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	45.79%
Buyback Yield	-5.14%
Shareholder Yield	-0.92%
Earnings Yield	9.18%
FCF Yield	6.96%

Dividend Details

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on October 1, 2019. It was a forward split with a ratio of 1.5:1.

Last Split Date	Oct 1, 2019
Split Type	Forward
Split Ratio	1.5:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	3