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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 $0.70. For the 2025 fiscal year, PWOD's free cash flow was decreased by $ and operating cash flow was $0.29. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.06	0.14	1.56	60.69	60.42
Quick Ratio	0.06	0.14	1.88	103.20	95.31
Cash Ratio	0.02	0.02	0.26	33.43	33.57
Solvency Ratio	0.01	<0.01	0.01	0.01	0.01
Operating Cash Flow Ratio	<0.01	0.01	0.15	2.80	3.46
Short-Term Operating Cash Flow Coverage	0.21	0.13	0.13	3.12	4.20
Net Current Asset Value	$ -1.93B	$ -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	1.42	2.07	1.54	0.78	0.99
Debt-to-Capital Ratio	0.59	0.67	0.61	0.44	0.50
Long-Term Debt-to-Capital Ratio	0.50	0.56	0.29	0.43	0.48
Financial Leverage Ratio	10.62	11.51	11.91	11.27	11.18
Debt Service Coverage Ratio	0.19	0.11	0.11	1.38	0.94
Interest Coverage Ratio	0.52	0.55	4.02	2.28	1.30
Debt to Market Cap	1.19	2.44	1.33	0.81	0.87
Interest Debt Per Share	46.23	61.04	37.68	20.29	25.03
Net Debt to EBITDA	8.57	15.47	8.67	-3.34	-2.34
Profitability Margins
Gross Profit Margin	60.86%	64.84%	100.00%	100.00%	100.00%
EBIT Margin	21.82%	20.33%	32.46%	32.32%	30.96%
EBITDA Margin	25.23%	23.28%	37.91%	38.68%	36.43%
Operating Profit Margin	21.82%	20.33%	43.21%	32.30%	30.93%
Pretax Profit Margin	21.82%	20.33%	32.46%	32.32%	30.96%
Net Profit Margin	17.52%	16.61%	26.20%	26.12%	25.18%
Continuous Operations Profit Margin	17.52%	16.61%	26.20%	26.14%	25.21%
Net Income Per EBT	80.28%	81.72%	80.71%	80.80%	81.32%
EBT Per EBIT	100.00%	100.00%	75.12%	100.08%	100.10%
Return on Assets (ROA)	0.95%	0.75%	0.87%	0.83%	0.83%
Return on Equity (ROE)	10.41%	8.67%	10.39%	9.31%	9.26%
Return on Capital Employed (ROCE)	6.01%	4.36%	1.56%	1.02%	1.02%
Return on Invested Capital (ROIC)	4.06%	2.72%	7.14%	2.61%	2.53%
Return on Tangible Assets	0.95%	0.76%	0.88%	0.83%	0.84%
Earnings Yield	8.71%	10.37%	9.27%	9.60%	8.30%
Efficiency Ratios
Receivables Turnover	11.18	9.05	7.01	7.63	7.19
Payables Turnover	12.18	9.22	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	4.03	3.05	1.93	1.66	1.69
Asset Turnover	0.05	0.05	0.03	0.03	0.03
Working Capital Turnover Ratio	-0.08	-0.07	0.28	0.16	0.21
Cash Conversion Cycle	2.66	0.72	52.04	47.85	50.73
Days of Sales Outstanding	32.64	40.32	52.04	47.85	50.73
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	29.98	39.60	0.00	0.00	0.00
Operating Cycle	32.64	40.32	52.04	47.85	50.73
Cash Flow Ratios
Operating Cash Flow Per Share	2.26	2.65	3.38	2.54	3.12
Free Cash Flow Per Share	2.13	2.53	3.33	2.38	2.74
CapEx Per Share	0.14	0.11	0.05	0.16	0.38
Free Cash Flow to Operating Cash Flow	0.94	0.96	0.98	0.94	0.88
Dividend Paid and CapEx Coverage Ratio	1.60	1.89	2.54	1.76	1.88
Capital Expenditure Coverage Ratio	16.71	23.35	63.38	15.76	8.25
Operating Cash Flow Coverage Ratio	0.06	0.05	0.09	0.13	0.14
Operating Cash Flow to Sales Ratio	0.14	0.19	0.36	0.29	0.36
Free Cash Flow Yield	6.58%	11.25%	12.51%	10.05%	10.55%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	11.48	9.64	10.79	10.42	12.05
Price-to-Sales (P/S) Ratio	2.02	1.60	2.83	2.72	3.03
Price-to-Book (P/B) Ratio	1.15	0.84	1.12	0.97	1.12
Price-to-Free Cash Flow (P/FCF) Ratio	15.21	8.89	7.99	9.95	9.48
Price-to-Operating Cash Flow Ratio	14.25	8.51	7.87	9.32	8.33
Price-to-Earnings Growth (PEG) Ratio	0.59	-1.83	1.22	2.05	-3.84
Price-to-Fair Value	1.15	0.84	1.12	0.97	1.12
Enterprise Value Multiple	16.57	22.35	16.12	3.70	5.99
Enterprise Value	508.18M	520.09M	406.43M	87.76M	131.76M
EV to EBITDA	16.57	22.35	16.12	3.70	5.99
EV to Sales	4.18	5.20	6.11	1.43	2.18
EV to Free Cash Flow	31.50	28.87	17.28	5.23	6.82
EV to Operating Cash Flow	29.61	27.63	17.01	4.90	5.99
Tangible Book Value Per Share	25.76	24.59	21.37	21.91	20.78
Shareholders’ Equity Per Share	27.94	26.93	23.75	24.40	23.30
Tax and Other Ratios
Effective Tax Rate	0.20	0.18	0.19	0.19	0.19
Revenue Per Share	16.02	14.06	9.42	8.69	8.57
Net Income Per Share	2.81	2.34	2.47	2.27	2.16
Tax Burden	0.80	0.82	0.81	0.81	0.81
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.23	0.27	0.38	0.39	0.37
Stock-Based Compensation to Revenue	<0.01	<0.01	0.02	0.02	0.01
Income Quality	0.81	1.13	1.37	1.12	1.45

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