Penns Woods Bancorp (PWOD) AI Stock Analysis

• Market Cap: $232.23M
• Dividend Yield: 4.27%
• Average Volume (3M): 57.44K
• Price to Earnings (P/E): 11.3
• Beta (1Y): 0.53
• Revenue Growth: 14.11%
• EPS Growth: 29.41%
• Country: US
• Employees: 311
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 0.95
• Shares Outstanding: 7,614,214
• 10 Day Avg. Volume: 25,275
• 30 Day Avg. Volume: 57,439
• PEG Ratio: 0.59
• Price to Book (P/B): 1.15
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 15.21
• Enterprise Value/Market Cap: 2.19
• Enterprise Value/Revenue: 1.08
• Enterprise Value/Gross Profit: 6.87
• Enterprise Value/Ebitda: 4.70
• 1Y Price Target: $32.00
• Price Target Upside: 4.92% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 76 Outperform
• Price Target: $36.00 ▲(18.03%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 demonstrated strong financial performance with robust revenue and profitability growth. Efficient cost management and operational efficiency are evident from healthy profit margins. The balance sheet is stable, although there is some leverage risk. Overall, the financials support a strong position in the regional banking sector.

Income Statement

Penns Woods Bancorp has demonstrated strong revenue growth, with a notable increase from $99.97M in 2023 to $121.57M in TTM (Trailing-Twelve-Months). The gross profit margin is healthy at 60.86%, indicating efficient cost management. The net profit margin has also improved to 17.53%, showcasing enhanced profitability. The EBIT and EBITDA margins, at 21.83% and 25.24% respectively, further highlight the company's operational efficiency. These factors contribute to a robust income statement performance.

Balance Sheet

The balance sheet reflects a stable financial position with a Debt-to-Equity ratio of 1.42, which is reasonable for a regional bank. The Return on Equity (ROE) is strong at 10.04%, and the Equity Ratio stands at 9.42%, indicating a stable equity base relative to total assets. While the company has a solid equity position, the relatively high leverage may pose potential risks if economic conditions change unfavorably.

Cash Flow

The cash flow statement shows a positive trajectory with an operating cash flow to net income ratio of 0.81, which indicates good cash conversion. The free cash flow to net income ratio of 0.76 suggests that the company efficiently converts earnings into free cash flow. The free cash flow growth rate of -11.20% from the previous year indicates some volatility, but overall, the company maintains a healthy cash flow position.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	119.32M	99.97M	73.64M	70.08M	74.81M
Gross Profit	68.38M	64.82M	64.58M	60.75M	57.77M
EBITDA	26.00M	23.27M	25.20M	23.74M	22.00M
Net Income	17.74M	16.61M	17.42M	16.03M	15.21M
Balance Sheet
Total Assets	2.23B	2.20B	2.00B	1.94B	1.83B
Cash, Cash Equivalents and Short-Term Investments	213.51M	228.41M	234.01M	380.27M	375.62M
Total Debt	299.68M	397.46M	258.84M	134.61M	161.89M
Total Liabilities	2.03B	2.01B	1.83B	1.77B	1.67B
Stockholders Equity	205.23M	191.56M	167.66M	172.27M	164.14M
Cash Flow
Free Cash Flow	18.17M	18.02M	23.52M	16.79M	19.33M
Operating Cash Flow	19.36M	18.82M	23.89M	17.92M	22.00M
Investing Cash Flow	-34.80M	-197.00M	-297.65M	-55.98M	-10.74M
Financing Cash Flow	6.95M	175.30M	50.23M	88.56M	153.51M

Penns Woods Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 30.50
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PWOD, the sentiment is Neutral. The current price of 30.5 is below the 20-day moving average (MA) of 31.55, above the 50-day MA of 30.21, and above the 200-day MA of 28.92, indicating a neutral trend. The MACD of 0.25 indicates Positive momentum. The RSI at 40.15 is Neutral, neither overbought nor oversold. The STOCH value of 13.15 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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	$244.46M	14.19	8.60%	2.74%	7.42%	15.82%
LCNB	78 Outperform	$221.44M	10.46	8.29%	5.63%	14.84%	170.41%
CHMG	76 Outperform	$253.05M	22.45	5.14%	2.41%	-6.64%	-52.40%
PWOD	76 Outperform	$232.23M	11.28	10.50%	4.27%	14.11%	29.41%
BPRN	73 Outperform	$218.54M	19.81	2.70%	3.79%	16.39%	-72.87%
Sector *	68 Neutral	¥760.77B	11.01	7.55%	3.20%	7.82%	14.69%

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.