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STOCKS

Penns Woods Bancorp (PWOD)

NASDAQ:PWOD

PWOD

Penns Woods Bancorp

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Penns Woods Bancorp (PWOD) Ratios

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Penns Woods Bancorp Ratios

PWOD's free cash flow for Q1 2025 was $1.00. For the 2025 fiscal year, PWOD's free cash flow was decreased by $ and operating cash flow was $0.36. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	1.56	0.14	1.56	60.69	60.42
Quick Ratio	1.88	0.14	1.88	103.20	95.31
Cash Ratio	0.26	0.02	0.26	33.43	33.57
Solvency Ratio	0.01	<0.01	0.01	0.01	0.01
Operating Cash Flow Ratio	0.15	0.01	0.15	2.80	3.46
Short-Term Operating Cash Flow Coverage	0.13	0.10	0.13	3.12	4.20
Net Current Asset Value	$ -1.59B	$ -1.77B	$ -1.59B	$ -1.38B	$ -1.29B
Leverage Ratios
Debt-to-Assets Ratio	0.13	0.18	0.13	0.07	0.09
Debt-to-Equity Ratio	1.54	2.07	1.54	0.78	0.99
Debt-to-Capital Ratio	0.61	0.67	0.61	0.44	0.50
Long-Term Debt-to-Capital Ratio	0.29	0.52	0.29	0.43	0.48
Financial Leverage Ratio	11.91	11.51	11.91	11.27	11.18
Debt Service Coverage Ratio	0.11	-0.02	0.11	1.38	0.94
Interest Coverage Ratio	4.02	0.55	4.02	2.28	1.30
Debt to Market Cap	1.33	2.45	1.33	0.81	0.87
Interest Debt Per Share	37.68	61.03	37.68	20.29	25.03
Net Debt to EBITDA	8.67	0.00	8.67	-3.34	-2.34
Profitability Margins
Gross Profit Margin	100.00%	98.30%	100.00%	100.00%	100.00%
EBIT Margin	32.46%	-4.58%	32.46%	32.32%	30.96%
EBITDA Margin	37.91%	0.00%	37.91%	38.68%	36.43%
Operating Profit Margin	43.21%	31.54%	43.21%	32.30%	30.93%
Pretax Profit Margin	32.46%	31.54%	32.46%	32.32%	30.96%
Net Profit Margin	26.20%	25.77%	26.20%	26.12%	25.18%
Continuous Operations Profit Margin	26.20%	25.77%	26.20%	26.14%	25.21%
Net Income Per EBT	80.71%	81.72%	80.71%	80.80%	81.32%
EBT Per EBIT	75.12%	100.00%	75.12%	100.08%	100.10%
Return on Assets (ROA)	0.87%	0.75%	0.87%	0.83%	0.83%
Return on Equity (ROE)	10.39%	8.67%	10.39%	9.31%	9.26%
Return on Capital Employed (ROCE)	1.56%	4.36%	1.56%	1.02%	1.02%
Return on Invested Capital (ROIC)	7.14%	1.96%	7.14%	2.61%	2.53%
Return on Tangible Assets	0.88%	0.76%	0.88%	0.83%	0.84%
Earnings Yield	9.27%	10.37%	9.27%	9.60%	8.30%
Efficiency Ratios
Receivables Turnover	7.01	5.83	7.01	7.63	7.19
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	1.93	1.97	1.93	1.66	1.69
Asset Turnover	0.03	0.03	0.03	0.03	0.03
Working Capital Turnover Ratio	0.28	-0.04	0.28	0.16	0.21
Cash Conversion Cycle	52.04	62.56	52.04	47.85	50.73
Days of Sales Outstanding	52.04	62.56	52.04	47.85	50.73
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	52.04	62.56	52.04	47.85	50.73
Cash Flow Ratios
Operating Cash Flow Per Share	3.38	2.65	3.38	2.54	3.12
Free Cash Flow Per Share	3.33	2.53	3.33	2.38	2.74
CapEx Per Share	0.05	0.11	0.05	0.16	0.38
Free Cash Flow to Operating Cash Flow	0.98	0.96	0.98	0.94	0.88
Dividend Paid and CapEx Coverage Ratio	2.54	1.89	2.54	1.76	1.88
Capital Expenditure Coverage Ratio	63.38	23.35	63.38	15.76	8.25
Operating Cash Flow Coverage Ratio	0.09	0.05	0.09	0.13	0.14
Operating Cash Flow to Sales Ratio	0.36	0.29	0.36	0.29	0.36
Free Cash Flow Yield	12.51%	11.25%	12.51%	10.05%	10.55%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.79	9.64	10.79	10.42	12.05
Price-to-Sales (P/S) Ratio	2.83	2.48	2.83	2.72	3.03
Price-to-Book (P/B) Ratio	1.12	0.84	1.12	0.97	1.12
Price-to-Free Cash Flow (P/FCF) Ratio	7.99	8.89	7.99	9.95	9.48
Price-to-Operating Cash Flow Ratio	7.87	8.51	7.87	9.32	8.33
Price-to-Earnings Growth (PEG) Ratio	1.22	-1.83	1.22	2.05	-3.84
Price-to-Fair Value	1.12	0.84	1.12	0.97	1.12
Enterprise Value Multiple	16.12	0.00	16.12	3.70	5.99
Enterprise Value	406.43M	520.10M	406.43M	87.76M	131.76M
EV to EBITDA	16.12	0.00	16.12	3.70	5.99
EV to Sales	6.11	8.07	6.11	1.43	2.18
EV to Free Cash Flow	17.28	28.87	17.28	5.23	6.82
EV to Operating Cash Flow	17.01	27.63	17.01	4.90	5.99
Tangible Book Value Per Share	21.37	24.59	21.37	21.91	20.78
Shareholders’ Equity Per Share	23.75	26.93	23.75	24.40	23.30
Tax and Other Ratios
Effective Tax Rate	0.19	0.18	0.19	0.19	0.19
Revenue Per Share	9.42	9.06	9.42	8.69	8.57
Net Income Per Share	2.47	2.34	2.47	2.27	2.16
Tax Burden	0.81	0.82	0.81	0.81	0.81
Interest Burden	1.00	-6.89	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.38	0.41	0.38	0.39	0.37
Stock-Based Compensation to Revenue	0.02	0.01	0.02	0.02	0.01
Income Quality	1.37	1.13	1.37	1.12	1.45

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