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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 Q4 2024 was $1.00. For the 2024 fiscal year, PWOD's free cash flow was decreased by $ and operating cash flow was $-0.06. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	4.80	0.33	1.56	60.69	60.42
Quick Ratio	4.80	0.33	1.88	103.20	95.31
Cash Ratio	0.64	0.26	0.26	33.43	33.57
Solvency Ratio	<0.01	<0.01	0.01	0.01	0.01
Operating Cash Flow Ratio	0.43	0.13	0.15	2.80	3.46
Short-Term Operating Cash Flow Coverage	0.48	0.10	0.13	3.12	4.20
Net Current Asset Value	$ -1.81B	$ -1.96B	$ -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	1.45	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	0.00	0.52	0.29	0.43	0.48
Financial Leverage Ratio	10.88	11.51	11.91	11.27	11.18
Debt Service Coverage Ratio	-0.05	-0.02	0.11	1.38	0.94
Interest Coverage Ratio	0.45	0.00	4.02	2.28	1.30
Debt to Market Cap	0.18	2.45	1.33	0.81	0.87
Interest Debt Per Share	46.26	61.03	37.68	20.29	25.03
Net Debt to EBITDA	0.00	0.00	8.67	-3.34	-2.34
Profitability Margins
Gross Profit Margin	39.85%	98.30%	100.00%	100.00%	100.00%
EBIT Margin	-6.00%	-4.58%	32.46%	32.32%	30.96%
EBITDA Margin	0.00%	0.00%	37.91%	38.68%	36.43%
Operating Profit Margin	33.03%	0.00%	43.21%	32.30%	30.93%
Pretax Profit Margin	31.96%	31.54%	32.46%	32.32%	30.96%
Net Profit Margin	25.90%	25.77%	26.20%	26.12%	25.18%
Continuous Operations Profit Margin	25.90%	25.77%	26.20%	26.14%	25.21%
Net Income Per EBT	81.03%	81.72%	80.71%	80.80%	81.32%
EBT Per EBIT	96.75%	0.00%	75.12%	100.08%	100.10%
Return on Assets (ROA)	0.79%	0.75%	0.87%	0.83%	0.83%
Return on Equity (ROE)	8.64%	8.67%	10.39%	9.31%	9.26%
Return on Capital Employed (ROCE)	1.03%	0.00%	1.56%	1.02%	1.02%
Return on Invested Capital (ROIC)	6.93%	0.00%	7.14%	2.61%	2.53%
Return on Tangible Assets	0.80%	0.76%	0.88%	0.83%	0.84%
Earnings Yield	7.75%	10.37%	9.27%	9.60%	8.30%
Efficiency Ratios
Receivables Turnover	6.16	5.83	7.01	7.63	7.19
Payables Turnover	8.83	0.29	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	2.24	1.97	1.93	1.66	1.69
Asset Turnover	0.03	0.03	0.03	0.03	0.03
Working Capital Turnover Ratio	1.87	-17.70	0.28	0.16	0.21
Cash Conversion Cycle	17.90	-1.21K	52.04	47.85	50.73
Days of Sales Outstanding	59.22	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	41.32	1.27K	0.00	0.00	0.00
Operating Cycle	59.22	62.56	52.04	47.85	50.73
Cash Flow Ratios
Operating Cash Flow Per Share	2.57	2.65	3.38	2.54	3.12
Free Cash Flow Per Share	2.41	2.53	3.33	2.38	2.74
CapEx Per Share	0.00	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	2.01	1.89	2.54	1.76	1.88
Capital Expenditure Coverage Ratio	0.00	23.35	63.38	15.76	8.25
Operating Cash Flow Coverage Ratio	0.07	0.05	0.09	0.13	0.14
Operating Cash Flow to Sales Ratio	0.28	0.29	0.36	0.29	0.36
Free Cash Flow Yield	7.93%	11.25%	12.51%	10.05%	10.55%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.91	9.64	10.79	10.42	12.05
Price-to-Sales (P/S) Ratio	3.34	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	12.61	8.89	7.99	9.95	9.48
Price-to-Operating Cash Flow Ratio	11.83	8.51	7.87	9.32	8.33
Price-to-Earnings Growth (PEG) Ratio	30.21	-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	0.00	0.00	16.12	3.70	5.99
Enterprise Value	497.77M	520.10M	406.43M	87.76M	131.76M
EV to EBITDA	0.00	0.00	16.12	3.70	5.99
EV to Sales	7.27	8.07	6.11	1.43	2.18
EV to Free Cash Flow	27.40	28.87	17.28	5.23	6.82
EV to Operating Cash Flow	25.70	27.63	17.01	4.90	5.99
Tangible Book Value Per Share	25.04	24.59	21.37	21.91	20.78
Shareholders’ Equity Per Share	27.24	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	9.09	9.06	9.42	8.69	8.57
Net Income Per Share	2.35	2.34	2.47	2.27	2.16
Tax Burden	0.81	0.82	0.81	0.81	0.81
Interest Burden	-5.33	-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	0.03	0.41	0.38	0.39	0.37
Stock-Based Compensation to Revenue	0.01	0.01	0.02	0.02	0.01
Income Quality	1.09	1.13	1.37	1.12	1.45

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