Penns Woods Bancorp, Inc. (PWOD), Discounted Cash Flow Valuation

Penns Woods Bancorp, Inc. (PWOD) Company Profile

US | Financial Services | Banks - Regional | NASDAQ
26.32 0.26 (1.00%)
Real-Time Price (USD)
Market Cap A valuation method that multiplies the price of a company's shares by the total number of outstanding shares.
200.98M
Revenue (ttm) The total amount of income generated by the sale of goods or services related to the company's primary operations.
68.5M
Net Income (ttm) The company's earnings for a period net of operating costs, taxes and interest.
17.74M
Shares Out Total number of common shares outstanding as of the latest date disclosed in a financial filing.
7.54M
EPS (ttm) Company's net earnings or losses from continuing operations on a per diluted share basis.
2.37
PE Ratio The price-to-earnings (PE) ratio is the ratio between a company's stock price and earnings per share. It measures the price of a stock relative to its profits.
12.91
Dividend Yield Measures the cash returned to shareholders by a firm as a percentage of the price they pay for each share of stock.
4.21%
Exchange Name of stock exchange where the trading item trades.
NASDAQ
Avg Volume The average number of shares traded each day over the past 30 days.
17.96K
Open The opening trade price over the trading day.
26.32
Previous Close The last closing price.
26.06
Beta A ratio that measures the risk or volatility of a company's share price in comparison to the market as a whole.
0.39
1 day delta The range between the high and low prices over the past day.
26.28-26.36
52 weeks The range between the high and low prices over the past 52 weeks.
17.01-34.56

Total Valuation

Penns Woods Bancorp, Inc. has a market cap or net worth of 200.98M. The enterprise value is 469.75M.
Market Cap (ttm) Market Capitalization
A valuation method that multiplies the price of a company's shares by the total number of outstanding shares.
200.98M
Enterprise Value (ttm) Enterprise Value
Enterprise value measures the total value of a company's outstanding shares, adjusted for debt and levels of cash and short-term investments.
Enterprise Value = Market Cap + Total Debt - Cash & Equivalents - Short-Term Investments
469.75M

Valuation Ratios

The trailing PE ratio is 11.21. Penns Woods Bancorp, Inc.'s PEG ratio is -1.1.
PE Ratio (ttm) PE Ratio
The price-to-earnings (P/E) ratio is a valuation metric that shows how expensive a stock is relative to earnings.
PE Ratio = Stock Price / Earnings Per Share
11.21
PS Ratio (ttm) PS Ratio
The price-to-sales (P/S) ratio is a commonly used valuation metric. It shows how expensive a stock is compared to revenue.
PS Ratio = Market Capitalization / Revenue
2.93
PB Ratio (ttm) PB Ratio
The price-to-book (P/B) ratio measures a stock's price relative to book value. Book value is also called Shareholders' equity.
PB Ratio = Market Capitalization / Shareholders' Equity
0.97
P/FCF Ratio (ttm) P/FCF Ratio
The price to free cash flow (P/FCF) ratio is similar to the P/E ratio, except it uses free cash flow instead of accounting earnings.
P/FCF Ratio = Market Capitalization / Free Cash Flow
11.06
PEG Ratio (ttm) PEG Ratio
The price/earnings to growth (PEG) ratio is calculated by dividing a company's PE ratio by its expected earnings growth.
PEG Ratio = PE Ratio / Expected Earnings Growth
-1.1

Enterprise Valuation

The stock's EV/EBITDA ratio is 35.55, with a EV/FCF ratio of 25.86.
EV / Sales (ttm) EV / Sales Ratio
The enterprise value to sales (EV/Sales) ratio is similar to the price-to-sales ratio, but the price is adjusted for the company's debt and cash levels.
EV/Sales Ratio = Enterprise Value / Revenue
6.86
EV / EBITDA (ttm) EV / EBIT Ratio
The EV/EBITDA ratio measures a company's valuation relative to its EBITDA, or Earnings Before Interest, Taxes, Depreciation, and Amortization.
EV/EBITDA Ratio = Enterprise Value / EBITDA
35.55
EV / EBIT (ttm) EV/EBIT Ratio
The EV/EBIT is a valuation metric that measures a company's price relative to EBIT, or Earnings Before Interest and Taxes.
EV/EBIT Ratio = Enterprise Value / EBIT
24.26
EV / FCF (ttm) EV/FCF Ratio
The enterprise value to free cash flow (EV/FCF) ratio is similar to the price to free cash flow ratio, except the price is adjusted for the company's cash and debt.
EV/FCF Ratio = Enterprise Value / Free Cash Flow
25.86

Financial Efficiency

Return on equity (ROE) is 8.88% and return on invested capital (ROIC) is 0.65%.
Return on Equity (ROE) (ttm) Return on Equity (ROE)
Return on equity (ROE) is a profitability metric that shows how efficient a company is at using its equity (or "net" assets) to generate profits. It is calculated by dividing the company's net income by the average shareholders' equity over the past 12 months.
ROE = (Net Income / Average Shareholders' Equity) * 100%
8.88%
Return on Assets (ROA) (ttm) Return on Assets (ROA)
Return on assets (ROA) is a metric that measures how much profit a company is able to generate using its assets. It is calculated by dividing net income by the average total assets for the past 12 months.
ROA = (Net Income / Average Total Assets) * 100%
0.79%
Return on Capital (ROIC) (ttm) Return on Capital (ROIC)
Return on invested capital (ROIC) measures how effective a company is at investing its capital in order to increase profits. It is calculated by dividing the EBIT (Earnings Before Interest & Taxes) by the average invested capital in the previous year.
ROIC = (EBIT / Average Invested Capital) * 100%
0.65%
Asset Turnover Asset Turnover
The asset turnover ratio measures the amount of sales relative to a company's assets. It indicates how efficiently the company uses its assets to generate revenue.
Asset Turnover Ratio = Revenue / Average Assets
0.05
Inventory Turnover (ttm) Inventory Turnover
The inventory turnover ratio measures how many times inventory has been sold and replaced during a time period.
Inventory Turnover Ratio = Cost of Revenue / Average Inventory
0

Margins

Trailing 12 months gross margin is 100.00%, with operating and profit margins of 26.66% and 25.90%.
Gross Margin (ttm) Gross Margin
Gross margin is the percentage of revenue left as gross profits, after subtracting cost of goods sold from the revenue.
Gross Margin = (Gross Profit / Revenue) * 100%
100.00%
Operating Margin (ttm) Operating Margin
Operating margin is the percentage of revenue left as operating income, after subtracting cost of revenue and all operating expenses from the revenue.
Operating Margin = (Operating Income / Revenue) * 100%
26.66%
Pretax Margin (ttm) Pretax Margin
Pretax margin is the percentage of revenue left as profits before subtracting taxes.
Pretax Margin = (Pretax Income / Revenue) * 100%
31.96%
Profit Margin (ttm) Profit Margin
Profit margin is the percentage of revenue left as net income, or profits, after subtracting all costs and expenses from the revenue.
Profit Margin = (Net Income / Revenue) * 100%
25.90%
EBITDA Margin (ttm) EBITDA Margin
EBITDA margin is the percentage of revenue left as EBITDA, after subtracting all expenses except interest, taxes, depreciation and amortization from revenue.
EBITDA Margin = (EBITDA / Revenue) * 100%
19.29%

Income Statement

In the last 12 months, Penns Woods Bancorp, Inc. had revenue of 68.5M and earned 17.74M in profits. Earnings per share (EPS) was 2.37.
Revenue (ttm) Revenue
Revenue is the amount of money a company receives from its main business activities, such as sales of products or services. Revenue is also called sales.
68.5M
Gross Profit (ttm) Gross Profit
Gross profit is a company’s profit after subtracting the costs directly linked to making and delivering its products and services.
Gross Profit = Revenue - Cost of Revenue
68.5M
Operating Income (ttm) Operating Income
Operating income is the amount of profit in a company after paying for all the expenses related to its core operations.
Operating Income = Revenue - Cost of Revenue - Operating Expenses
18.26M
Pretax Income (ttm) Pretax Income
Pretax income is a company's profits before accounting for income taxes.
Pretax Income = Net Income + Income Taxes
21.89M
Net Income (ttm) Net Income
Net income is a company's accounting profits after subtracting all costs and expenses from the revenue. It is also called earnings, profits or "the bottom line"
Net Income = Revenue - All Expenses
17.74M
EBITDA (ttm) EBITDA
EBITDA stands for "Earnings Before Interest, Taxes, Depreciation and Amortization." It is a commonly used measure of profitability.
EBITDA = Net Income + Interest + Taxes + Depreciation and Amortization
13.21M
EBIT (ttm) EBIT
EBIT stands for "Earnings Before Interest and Taxes" and is a commonly used measure of earnings or profits. It is similar to operating income.
EBIT = Net Income + Interest + Taxes
10.09M
Earnings Per Share (EPS) (ttm) EPS (Diluted)
Earnings per share is the portion of a company's profit that is allocated to each individual stock. Diluted EPS is calculated by dividing net income by "diluted" shares outstanding.
Diluted EPS = Net Income / Shares Outstanding (Diluted)
2.37

Financial Position

The company has a trailing 12 months (ttm) current ratio of 0, with a ttm Debt / Equity ratio of 1.45.
Current Ratio (ttm) Current Ratio
The current ratio is used to measure a company's short-term liquidity. A low number can indicate that a company will have trouble paying its upcoming liabilities.
Current Ratio = Current Assets / Current Liabilities
0
Quick Ratio (ttm) Quick Ratio
The quick ratio measure a company's short-term liquidity. A low number indicates that the company may have trouble paying its upcoming financial obligations.
Quick Ratio = (Cash + Short-Term Investments + Accounts Receivable) / Current Liabilities
0
Debt / Equity (ttm) Debt / Equity Ratio
The debt-to-equity ratio measures a company's debt levels relative to its shareholders' equity or book value. A high ratio implies that a company has a lot of debt.
Debt / Equity Ratio = Total Debt / Shareholders' Equity
1.45
Debt / EBIT (ttm) Debt / EBIT Ratio
The debt-to-EBIT ratio is a company's debt levels relative to its trailing twelve-month EBIT. A high ratio implies that debt is high relative to the company's earnings.
Debt / EBIT Ratio = Total Debt / EBIT (ttm)
1.2

Dividends & Yields

This stock pays an annual dividend of 1.28, which amounts to a dividend yield of 4.85%.
Dividend Per Share (ttm) Dividend Per Share
Total amount paid to each outstanding share in dividends during the period.
1.28
Dividend Yield (ttm) Dividend Yield
The dividend yield is how much a stock pays in dividends each year, as a percentage of the stock price.
Dividend Yield = (Annual Dividends Per Share / Stock Price) * 100%
4.85%
Earnings Yield (ttm) Earnings Yield
The earnings yield is a valuation metric that measures a company's profits relative to stock price, expressed as a percentage yield. It is the inverse of the P/E ratio.
Earnings Yield = (Earnings Per Share / Stock Price) * 100%
8.92%
FCF Yield (ttm) FCF Yield
The free cash flow (FCF) yield measures a company's free cash flow relative to its price, shown as a percentage. It is the inverse of the P/FCF ratio.
FCF Yield = (Free Cash Flow / Market Cap) * 100%
9.04%
Dividend Growth (YoY) Dividend Growth
The change in dividend payments per share, compared to the previous period.
Dividend Growth = ((Current Dividend / Previous Dividend) - 1) * 100%
-0.65%
Payout Ratio (ttm) Payout Ratio
The payout ratio is the percentage of a company's profits that are paid out as dividends. A high ratio implies that the dividend payments may not be sustainable.
Payout Ratio = (Dividends Per Share / Earnings Per Share) * 100%
54.37%

Balance Sheet

The company has 28.97M in cash and 297.74M in debt, giving a net cash position of -268.77M.
Cash & Cash Equivalents Cash & Cash Equivalents
Cash and cash equivalents is the sum of "Cash & Equivalents" and "Short-Term Investments." This is the amount of money that a company has quick access to, assuming that the cash equivalents and short-term investments can be sold at a short notice.
Cash & Cash Equivalents = Cash & Equivalents + Short-Term Investments
28.97M
Total Debt Total Debt
Total debt is the total amount of liabilities categorized as "debt" on the balance sheet. It includes both current and long-term (non-current) debt.
Total Debt = Current Debt + Long-Term Debt
297.74M
Net Cash Net Cash / Debt
Net Cash / Debt is an indicator of the financial position of a company. It is calculated by taking the total amount of cash and cash equivalents and subtracting the total debt.
Net Cash / Debt = Total Cash - Total Debt
-268.77M
Book Value Shareholders' Equity
Shareholders’ equity is also called book value or net worth. It can be seen as the amount of money held by investors inside the company. It is calculated by subtracting all liabilities from all assets.
Shareholders' Equity = Total Assets - Total Liabilities
205.23M
Book Value Per Share (ttm) Book Value Per Share
Book value per share is the total amount of book value attributable to each individual stock. It is calculated by dividing book value (shareholders' equity) by the number of outstanding shares.
Book Value Per Share = Book Value / Shares Outstanding
27.24
Working Capital (ttm) Working Capital
Working capital is the amount of money available to a business to conduct its day-to-day operations. It is calculated by subtracting total current liabilities from total current assets.
Working Capital = Current Assets - Current Liabilities
213.51M

Cash Flow

In the last 12 months, operating cash flow of the company was 19.36M and capital expenditures -1.2M, giving a free cash flow of 18.17M.
Operating Cash Flow (ttm) Operating Cash Flow
Operating cash flow, also called cash flow from operating activities, measures the amount of cash that a company generates from normal business activities. It is the amount of cash left after all cash income has been received, and all cash expenses have been paid.
19.36M
Capital Expenditures (ttm) Capital Expenditures
Capital expenditures are also called payments for property, plants and equipment. It measures cash spent on long-term assets that will be used to run the business, such as manufacturing equipment, real estate and others.
-1.2M
Free Cash Flow (ttm) Free Cash Flow
Free cash flow is the cash remaining after the company spends on everything required to maintain and grow the business. It is calculated by subtracting capital expenditures from operating cash flow.
Free Cash Flow = Operating Cash Flow - Capital Expenditures
18.17M
FCF Per Share (ttm) Free Cash Flow Per Share
Free cash flow per share is the amount of free cash flow attributed to each outstanding stock.
FCF Per Share = Free Cash Flow / Shares Outstanding
2.41

Penns Woods Bancorp, Inc. News

Feb 25, 2025 - businesswire.com
PENNS WOODS INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Penns Woods Bancorp, Inc. - PWOD
NEW ORLEANS--(BUSINESS WIRE)--Former Attorney General of Louisiana Charles C. Foti, Jr., Esq. and the law firm of Kahn Swick & Foti, LLC (“KSF”) are investigating the proposed sale of Penns Woods Bancorp, Inc. (NasdaqGS: PWOD) to Northwest Bancshares, Inc. (NasdaqGS: NWBI). Under the terms of the proposed transaction, shareholders of Penns will receive 2.385 shares of Northwest for each share of Penns that they own. KSF is seeking to determine whether this consideration and the process that....[read more]
Feb 25, 2025 - globenewswire.com
Penns Woods Bancorp, Inc. Announces Quarterly Dividend
WILLIAMSPORT, Pa., Feb. 25, 2025 (GLOBE NEWSWIRE) -- Richard A. Grafmyre CFP®, Chief Executive Officer of Penns Woods Bancorp, Inc., (NASDAQ:PWOD) has announced that the Company's Board of Directors declared a first quarter 2025 cash dividend of $0.32 per share....[read more]
Jan 29, 2025 - globenewswire.com
Penns Woods Bancorp, Inc. Reports Fourth Quarter 2024 Earnings
WILLIAMSPORT, Pa., Jan. 29, 2025 (GLOBE NEWSWIRE) -- Penns Woods Bancorp, Inc. (NASDAQ: PWOD) Penns Woods Bancorp, Inc. achieved net income of $17.7 million for the twelve months ended December 31, 2024, resulting in basic and diluted earnings per share of $2.35....[read more]
Jan 6, 2025 - businesswire.com
PENNS WOODS INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Penns Woods Bancorp, Inc. - PWOD
NEW ORLEANS--(BUSINESS WIRE)--Former Attorney General of Louisiana Charles C. Foti, Jr., Esq. and the law firm of Kahn Swick & Foti, LLC (“KSF”) are investigating the proposed sale of Penns Woods Bancorp, Inc. (NasdaqGS: PWOD) to Northwest Bancshares, Inc. (NasdaqGS: NWBI). Under the terms of the proposed transaction, shareholders of Penns will receive 2.385 shares of Northwest for each share of Penns that they own. KSF is seeking to determine whether this consideration and the process that....[read more]
Dec 17, 2024 - prnewswire.com
$HAREHOLDER ALERT: The M&A Class Action Firm Investigates the Merger of Penns Woods Bancorp, Inc. - PWOD
NEW YORK , Dec. 17, 2024 /PRNewswire/ -- Monteverde & Associates PC  (the "M&A Class Action Firm"), has recovered millions of dollars for shareholders and is recognized as a Top 50 Firm by ISS Securities Class Action Services Report. We are headquartered at the Empire State Building in New York City and are investigating Penns Woods Bancorp, Inc. (NASDAQ: PWOD ), relating to the proposed merger with Northwest Bancshares, Inc. Under the terms of the agreement, Penns Woods shareholders will be ent...[read more]
Dec 17, 2024 - businesswire.com
Shareholder Alert: Ademi LLP investigates whether Penns Woods Bancorp, Inc. is obtaining a Fair Price for its Public Shareholders
MILWAUKEE--(BUSINESS WIRE)--Ademi LLP is investigating Penns Woods (NASDAQ: PWOD) for possible breaches of fiduciary duty and other violations of law in its transaction with Northwest. Click here to learn how to join our investigation and obtain additional information or contact us at gademi@ademilaw.com or toll-free: 866-264-3995. There is no cost or obligation to you. In the transaction, each outstanding share of Penns Woods common stock will be exchanged for 2.385 shares of Northwest common....[read more]
Dec 17, 2024 - businesswire.com
PWOD Stock Alert: Halper Sadeh LLC Is Investigating Whether the Sale of Penns Woods Bancorp, Inc. Is Fair to Shareholders
NEW YORK--(BUSINESS WIRE)--Halper Sadeh LLC, an investor rights law firm, is investigating whether the sale of Penns Woods Bancorp, Inc. (NASDAQ: PWOD) to Northwest Bancshares, Inc. for 2.385 shares of Northwest common stock for each share of Penns Woods common stock is fair to Penns Woods shareholders. Halper Sadeh encourages Penns Woods shareholders to click here to learn more about their legal rights and options or contact Daniel Sadeh or Zachary Halper at (212) 763-0060 or sadeh@halpersadeh....[read more]
Dec 17, 2024 - globenewswire.com
Northwest Bancshares Announces Agreement to Acquire Penns Woods Bancorp
COLUMBUS, Ohio, Dec. 17, 2024 (GLOBE NEWSWIRE) -- Northwest Bancshares, Inc. (“Northwest”) (NASDAQ: NWBI) the bank holding company for Northwest Bank, and Penns Woods Bancorp, Inc. (“Penns Woods”) (NASDAQ: PWOD), the multi-bank holding company of Jersey Shore State Bank and Luzerne Bank, jointly announced today that they have entered into a definitive Agreement and Plan of Merger (“Agreement”) whereby Northwest will acquire Penns Woods in an all-stock transaction valued at approximately $270.4 m...[read more]
Dec 17, 2024 - prnewswire.com
Northwest Bancshares, Inc. Announces Agreement to Acquire Penns Woods Bancorp, Inc.
COLUMBUS, Ohio , Dec. 17, 2024 /PRNewswire/ -- Northwest Bancshares, Inc. ("Northwest") (NASDAQ: NWBI) the bank holding company for Northwest Bank, and Penns Woods Bancorp, Inc. ("Penns Woods") (NASDAQ: PWOD), the multi-bank holding company of Jersey Shore State Bank and Luzerne Bank,  jointly announced today that they have entered into a definitive Agreement and Plan of Merger ("Agreement") whereby Northwest will acquire Penns Woods in an all-stock transaction valued at approximately $270.4 mil...[read more]
Nov 26, 2024 - globenewswire.com
Penns Woods Bancorp, Inc. Announces Quarterly Dividend
WILLIAMSPORT, Pa., Nov. 26, 2024 (GLOBE NEWSWIRE) -- Richard A. Grafmyre CFP®, Chief Executive Officer of Penns Woods Bancorp, Inc., (NASDAQ:PWOD) has announced that the Company's Board of Directors declared a fourth quarter 2024 cash dividend of $0.32 per share....[read more]

Penns Woods Bancorp, Inc. Details

Country US
City Williamsport
Address 300 Market Street
Ticker Symbol PWOD
Exchange NASDAQ Global Select
IPO Date Jun 2, 1994
CEO Mr. Richard Allen Grafmyre CFP
Sector Financial Services
Industry Banks - Regional
Employees 311

Penns Woods Bancorp, Inc. 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.

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