Penns Woods Bancorp (PWOD) AI Stock Analysis

• Market Cap: $245.18M
• Dividend Yield: 4.04%
• Average Volume (3M): 56.78K
• Price to Earnings (P/E): 11.5
• Beta (1Y): 0.53
• Revenue Growth: 14.11%
• EPS Growth: 29.41%
• Country: US
• Employees: 311
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 0.95
• Shares Outstanding: 7,614,214
• 10 Day Avg. Volume: 129,049
• 30 Day Avg. Volume: 56,780
• PEG Ratio: 1.22
• Price to Book (P/B): 1.12
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 7.99
• Enterprise Value/Market Cap: 1.66
• Enterprise Value/Revenue: 1.45
• Enterprise Value/Gross Profit: 5.06
• Enterprise Value/Ebitda: 4.64
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 76 Outperform
• Price Target: $36.00 ▲(13.71%Upside)

The overall stock score is driven by strong financial performance and a fair valuation. While there is bullish technical momentum, caution is advised due to overbought signals. The solid financial foundation and attractive dividend yield make it a compelling option, despite some leverage risk.

Penns Woods Bancorp Business Overview & Revenue Model

Company Description

Penns Woods Bancorp, Inc. is a bank holding company headquartered in Williamsport, Pennsylvania. It operates as the parent company of Jersey Shore State Bank and Luzerne Bank. The company provides a range of financial products and services, including commercial and retail banking, wealth management, and investment services, primarily targeting individuals, businesses, and governmental entities within its regional market.

How the Company Makes Money

Penns Woods Bancorp makes money primarily through interest income generated from its lending activities. The company extends loans to individuals and businesses, including commercial loans, residential mortgages, and consumer loans, earning interest on these loans. Additionally, it earns income through fees and service charges associated with its deposit accounts, transaction services, and other financial products. The company also benefits from investment management and trust services fees. Its revenue model is supported by maintaining a diverse portfolio of interest-earning assets and managing interest rate risk effectively. Strategic partnerships with other financial institutions and community engagement further contribute to its earnings.

Penns Woods Bancorp Financial Statement Overview

Summary

Penns Woods Bancorp has demonstrated strong revenue growth and efficient cost management with a high EBIT margin. The balance sheet shows improved leverage, but the equity ratio is low due to typical banking sector characteristics. Cash flows are stable with a good relationship between free cash flow and net income, though profit margins and ROE have room for improvement.

Income Statement

Penns Woods Bancorp showed a strong increase in total revenue from 2023 to 2024, with a notable revenue growth rate of approximately 70%. The gross profit margin remains robust at 100% due to the banking sector's nature. However, the net profit margin is moderate at 16.2%, showing room for improvement. EBIT margin is high at 97.8%, indicating efficient cost management.

Balance Sheet

The company maintains a healthy equity ratio of 9.2%, which is relatively low but typical for banks due to high leverage. The debt-to-equity ratio decreased significantly from the previous year, reflecting improved financial stability. ROE stands at 8.6%, showing a decent return on equity, but it could be enhanced.

Cash Flow

Operating cash flow has been consistent, with a slight increase from 2023 to 2024. The free cash flow to net income ratio is 1.1, indicating good cash generation relative to net income. However, free cash flow growth is modest, and the reliance on financing activities remains substantial.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	79.93M	68.50M	64.44M	64.58M	61.39M	60.39M
Gross Profit	80.25M	68.38M	63.34M	66.49M	61.39M	57.77M
EBITDA	23.83M	0.00	0.00	0.00	23.74M	0.00
Net Income	21.30M	17.74M	16.61M	17.42M	16.03M	15.21M
Balance Sheet
Total Assets	2.25B	2.23B	2.20B	2.00B	1.94B	1.83B
Cash, Cash Equivalents and Short-Term Investments	202.32M	213.51M	228.41M	234.01M	430.27M	375.62M
Total Debt	82.91M	299.68M	397.46M	253.69M	128.86M	156.65M
Total Liabilities	2.04B	2.03B	2.01B	1.83B	1.77B	1.67B
Stockholders Equity	212.02M	205.23M	191.56M	167.66M	172.27M	164.14M
Cash Flow
Free Cash Flow	16.21M	18.17M	18.02M	23.52M	16.79M	19.33M
Operating Cash Flow	17.16M	19.36M	18.82M	23.89M	17.92M	22.00M
Investing Cash Flow	-58.31M	-34.80M	-197.00M	-297.65M	-55.98M	-10.74M
Financing Cash Flow	21.16M	6.95M	175.30M	50.23M	88.56M	153.51M

Penns Woods Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 31.66
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PWOD, the sentiment is Positive. The current price of 31.66 is above the 20-day moving average (MA) of 29.80, above the 50-day MA of 29.36, and above the 200-day MA of 28.26, indicating a bullish trend. The MACD of 0.65 indicates Negative momentum. The RSI at 74.91 is Negative, neither overbought nor oversold. The STOCH value of 95.69 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PWOD.

Penns Woods Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MBCN	79 Outperform	$249.22M	15.41	7.72%	2.72%	8.36%	-2.51%
LCNB	78 Outperform	$219.74M	13.58	6.54%	5.78%	24.45%	25.55%
PWOD	76 Outperform	$245.18M	11.53	10.50%	4.04%	14.11%	29.41%
CHMG	71 Outperform	$241.55M	10.64	10.65%	2.56%	6.05%	-9.27%
BPRN	68 Neutral	$221.87M	19.51	4.43%	3.75%	10.64%	-56.22%
Sector *	67 Neutral	$17.01B	11.90	9.70%	3.76%	11.63%	-9.47%

Penns Woods Bancorp Corporate Events

Penns Woods Bancorp Announces Merger with Northwest Bancshares

Penns Woods Bancorp announced a merger agreement with Northwest Bancshares, Inc., which involves the integration of their businesses and financial operations. The merger aims to achieve cost savings and revenue synergies, although it is subject to regulatory and shareholder approvals, and other conditions. There are potential risks and uncertainties associated with the merger, such as not realizing expected financial benefits and possible delays in closing the transaction. Stakeholders are advised to review relevant SEC filings for further details.