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Penns Woods Bancorp (PWOD)
NASDAQ:PWOD
US Market
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Penns Woods Bancorp (PWOD) AI Stock Analysis

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PWOD

Penns Woods Bancorp

(NASDAQ:PWOD)

Rating:76Outperform
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 (PWOD) vs. SPDR S&P 500 ETF (SPY)

Penns Woods Bancorp Business Overview & Revenue Model

Company DescriptionPenns 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 MoneyPenns 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
85
Very Positive
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
78
Positive
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
80
Positive
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.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue119.32M99.97M73.64M70.08M74.81M
Gross Profit68.38M64.82M64.58M60.75M57.77M
EBITDA26.00M23.27M25.20M23.74M22.00M
Net Income17.74M16.61M17.42M16.03M15.21M
Balance Sheet
Total Assets2.23B2.20B2.00B1.94B1.83B
Cash, Cash Equivalents and Short-Term Investments213.51M228.41M234.01M380.27M375.62M
Total Debt299.68M397.46M258.84M134.61M161.89M
Total Liabilities2.03B2.01B1.83B1.77B1.67B
Stockholders Equity205.23M191.56M167.66M172.27M164.14M
Cash Flow
Free Cash Flow18.17M18.02M23.52M16.79M19.33M
Operating Cash Flow19.36M18.82M23.89M17.92M22.00M
Investing Cash Flow-34.80M-197.00M-297.65M-55.98M-10.74M
Financing Cash Flow6.95M175.30M50.23M88.56M153.51M

Penns Woods Bancorp Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price30.50
Price Trends
50DMA
30.21
Negative
100DMA
28.96
Positive
200DMA
28.92
Positive
Market Momentum
MACD
0.25
Positive
RSI
40.15
Neutral
STOCH
13.15
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 Risk Analysis

Penns Woods Bancorp disclosed 19 risk factors in its most recent earnings report. Penns Woods Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Penns Woods Bancorp Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
79
Outperform
$244.46M14.198.60%2.74%7.42%15.82%
78
Outperform
$221.44M10.468.29%5.63%14.84%170.41%
76
Outperform
$253.05M22.455.14%2.41%-6.64%-52.40%
76
Outperform
$232.23M11.2810.50%4.27%14.11%29.41%
73
Outperform
$218.54M19.812.70%3.79%16.39%-72.87%
68
Neutral
¥760.77B11.017.55%3.20%7.82%14.69%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
PWOD
Penns Woods Bancorp
30.00
7.92
35.87%
LCNB
LCNB
15.52
0.81
5.51%
CHMG
Chemung Financial
52.33
4.79
10.08%
MBCN
Middlefield Banc
29.96
1.92
6.85%
BPRN
Bank of Princeton
31.70
-4.69
-12.89%

Penns Woods Bancorp Corporate Events

M&A TransactionsRegulatory Filings and Compliance
Penns Woods Bancorp Announces Merger with Northwest Bancshares
Neutral
Dec 17, 2024

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.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jul 05, 2025