Penns Woods Bancorp (PWOD) AI Stock Analysis

• Market Cap: $222.52M
• Dividend Yield: 4.34%
• Average Volume (3M): 28.57K
• Price to Earnings (P/E): 10.5
• Beta (1Y): 0.47
• Revenue Growth: 14.11%
• EPS Growth: 29.41%
• Country: US
• Employees: 311
• Sector: Financial
• Sector Strength: 87
• Industry: Banks - Regional
• EPS (TTM): 2.79
• Shares Outstanding: 7,612,878
• 10 Day Avg. Volume: 31,684
• 30 Day Avg. Volume: 28,572
• PEG Ratio: 0.36
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 2.20
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: 4.46
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Penns Woods Bancorp maintains strong revenue growth and cost efficiency, contributing to a solid financial performance score. Despite mixed technical indicators, the stock's fair valuation and attractive dividend yield provide a compelling investment case. However, improvements in profit margins and ROE could further enhance the company's financial health.

Penns Woods Bancorp Business Overview & Revenue Model

Company Description

Penns Woods Bancorp, Inc. operates as the bank holding company for Jersey Shore State Bank and Luzerne Bank, which provides commercial and retail banking services to individuals, partnerships, non-profit organizations, and corporations. It accepts time, demand, and savings deposits, including super NOW accounts, statement savings accounts, money market accounts, and certificates of deposit, as well as checking and individual retirement accounts. The company also offers loan products comprising residential, commercial, and construction real estate loans; agricultural loans for the purchase or improvement of real estate; commercial loans for the acquisition and improvement of real estate, purchase of equipment, and working capital purposes; letters of credit; consumer loans, such as construction and residential mortgages, home equity loans and lines, automobile financing, personal loans and lines of credit, and overdraft and check lines; and revolving credit loans with overdraft protection. In addition, it provides securities brokerage and financial planning services, which include the sale of life insurance products, annuities, and estate planning services; property and casualty, and auto insurance products; safe deposit services; ATM services; and Internet and telephone banking services. Further, the company engages in real estate transactions and investment activities. It operates through a network of twenty-seven offices located in Clinton, Lycoming, Centre, Montour, Union, Blair, and Luzerne Counties, Pennsylvania. The company was founded in 1907 and is headquartered in Williamsport, Pennsylvania.

How the Company Makes Money

Penns Woods Bancorp makes money primarily through interest income generated from its lending activities, including personal, business, and mortgage loans. The company also earns revenue from non-interest income sources like fees for services provided, including wealth management and trust services, as well as transaction fees from deposit accounts. Additionally, Penns Woods Bancorp benefits from investment income through its securities portfolio. The company's earnings are further supported by strategic partnerships and a focus on community banking, which enhances customer loyalty and expands its client base.

Penns Woods Bancorp Financial Statement Overview

Summary

Overall, Penns Woods Bancorp demonstrates strong revenue growth and effective cost management, as evident from its high EBIT margin. The balance sheet shows improved leverage, although the equity ratio remains on the lower side due to the nature of the banking industry. Cash flows are stable, with a solid relationship between free cash flow and net income, though growth in cash flow could be further enhanced. The company appears well-positioned but could benefit from improved profit margins and higher ROE to strengthen its financial health.

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
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
109.70M	64.44M	66.49M	61.39M	60.39M
	Gross Profit
109.70M	63.34M	66.49M	61.39M	60.39M
	EBIT
107.24M	0.00	28.73M	19.83M	18.68M
	EBITDA
0.00	0.00	25.20M	23.74M	22.00M
	Net Income Common Stockholders
17.74M	16.61M	17.42M	16.03M	15.21M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
204.53M	37.46M	234.01M	380.27M	375.62M
	Total Assets
2.23B	2.20B	2.00B	1.94B	1.83B
	Total Debt
42.20M	397.46M	258.84M	134.61M	161.89M
	Net Debt
22.21M	360.00M	218.51M	-79.25M	-51.46M
	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
19.36M	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	88.53M	153.51M

Penns Woods Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 29.23
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• 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 29.23 is above the 20-day moving average (MA) of 26.95, above the 50-day MA of 28.03, and above the 200-day MA of 26.73, indicating a bullish trend. The MACD of 0.19 indicates Negative momentum. The RSI at 63.68 is Neutral, neither overbought nor oversold. The STOCH value of 94.23 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
BPRN	71 Outperform	$210.77M	18.59	4.43%	3.99%	10.64%	-56.22%
PWOD	67 Neutral	$222.52M	10.48	10.50%	4.34%	14.11%	29.41%
MBCN	66 Neutral	$209.55M	12.96	7.72%	3.08%	8.36%	-2.51%
CHMG	63 Neutral	$212.34M	9.35	10.65%	2.78%	6.05%	-9.27%
Sector *	63 Neutral	$12.46B	9.55	8.14%	17103.96%	12.70%	-4.66%
EVBN	60 Neutral	$214.07M	17.82	6.62%	3.39%	-6.85%	-51.70%
LCNB	60 Neutral	$212.79M	13.13	6.55%	5.91%	24.45%	25.77%

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.