Penns Woods Bancorp Inc - Understand $pwod stock

$PWOD Market Cap: $221.4 Million

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$81.45M

TTM

Gross Margin

Net Earnings

$19.55M

TTM

Current Assets

Current Liabilities

$86.75M

Q3 2024

Current Ratio

Total Assets

$2.259B

Q3 2024

Total Liabilities

$2.056B

Q3 2024

Book Value

$203.7M

Q3 2024

Cash

$39.69M

Q3 2024

P/E

11.32

Nov 13, 2024 EST

Free Cash Flow

$13.26M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Revenue	$91.60M	$64.93M	$58.41M	$62.64M	$66.77M	$58.75M	$49.98M	$46.81M	$46.12M	$45.61M	$43.30M	$37.11M	$36.38M	$36.36M	$36.19M
YoY Change	41.07%	11.15%	-6.74%	-6.19%	13.67%	17.55%	6.76%	1.49%	1.14%	5.33%	16.69%	2.01%	0.04%	0.47%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue	$91.60M	$64.93M	$58.41M	$62.64M	$66.77M	$58.75M	$49.98M	$46.81M	$46.12M	$45.61M	$43.30M	$37.11M	$36.38M	$36.36M	$36.19M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$1.990M	$2.107M	$2.436M	$2.098M	$2.053M	$1.789M	$2.970M	$3.520M	$3.680M	$3.430M	$1.660M	$1.080M	$700.0K	$730.0K	$720.0K	$660.0K	$680.0K	$740.0K	$550.0K	$590.0K	$630.0K	$530.0K	$490.0K	$550.0K	$510.0K	$430.0K	$460.0K	$370.0K	$340.0K	$310.0K
YoY Change	-5.55%	-13.51%	16.11%	2.19%	14.76%	-39.76%	-15.63%	-4.35%	7.29%	106.63%	53.7%	54.29%	-4.11%	1.39%	9.09%	-2.94%	-8.11%	34.55%	-6.78%	-6.35%	18.87%	8.16%	-10.91%	7.84%	18.6%	-6.52%	24.32%	8.82%	9.68%	6.9%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Interest Expense	$36.63M	$7.148M	$8.696M	$14.42M	$15.96M	$10.94M	$5.897M	$5.567M	$5.219M	$4.962M	$5.264M	$6.211M	$7.656M	$9.868M	$12.40M
YoY Change	412.47%	-17.8%	-39.67%	-9.67%	45.93%	85.45%	5.93%	6.67%	5.18%	-5.74%	-15.25%	-18.87%	-22.42%	-20.41%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Pretax Income	$20.32M	$21.59M	$19.84M	$18.70M	$18.82M	$17.53M	$17.23M	$17.07M	$17.63M	$18.41M	$17.54M	$16.45M	$14.28M	$12.31M	$5.351M	$8.410M	$9.510M	$11.61M	$14.13M	$15.35M	$14.88M	$11.13M	$9.720M	$8.190M	$9.410M	$8.630M	$11.25M	$7.310M	$5.280M	$4.540M
YoY Change	-5.85%	8.78%	6.12%	-0.67%	7.39%	1.72%	0.94%	-3.19%	-4.23%	5.0%	6.61%	15.22%	15.95%	130.07%	-36.37%	-11.57%	-18.09%	-17.83%	-7.95%	3.16%	33.69%	14.51%	18.68%	-12.96%	9.04%	-23.29%	53.9%	38.45%	16.3%	-17.15%
Income Tax	$3.714M	$4.163M	$3.794M	$3.474M	$3.138M	$2.819M	$7.459M	$4.597M	$3.736M	$3.804M	$3.451M	$2.598M	$1.913M	$1.382M	-$742.0K	$410.0K	$640.0K	$1.960M	$3.220M	$4.260M	$3.700M	$2.250M	$1.980M	$1.620M	$2.220M	$2.160M	$3.110M	$1.970M	$1.420M	$1.170M
% Of Pretax Income	18.28%	19.29%	19.12%	18.58%	16.67%	16.08%	43.29%	26.93%	21.19%	20.66%	19.68%	15.8%	13.4%	11.23%	-13.87%	4.88%	6.73%	16.88%	22.79%	27.75%	24.87%	20.22%	20.37%	19.78%	23.59%	25.03%	27.64%	26.95%	26.89%	25.77%
Net Earnings	$16.61M	$17.42M	$16.03M	$15.21M	$15.67M	$14.70M	$9.773M	$12.48M	$13.90M	$14.61M	$14.08M	$13.85M	$12.36M	$10.93M	$6.090M	$8.000M	$8.880M	$9.650M	$10.90M	$11.08M	$11.17M	$8.890M	$7.740M	$6.570M	$7.190M	$6.470M	$8.140M	$5.340M	$3.860M	$3.370M
YoY Change	-4.67%	8.66%	5.44%	-2.97%	6.58%	50.46%	-21.66%	-10.25%	-4.86%	3.76%	1.66%	12.06%	13.08%	79.47%	-23.88%	-9.91%	-7.98%	-11.47%	-1.62%	-0.81%	25.65%	14.86%	17.81%	-8.62%	11.13%	-20.52%	52.43%	38.34%	14.54%	-15.33%
Net Earnings / Revenue	18.13%	26.83%	27.45%	24.28%	23.47%	25.03%	19.55%	26.65%	30.14%	32.04%	32.52%	37.32%	33.98%	30.06%	16.83%
Basic Earnings Per Share	$2.34	$2.47	$2.27	$2.16	$2.23	$2.09	$1.39					$3.61	$3.22	$2.85	$1.59
Diluted Earnings Per Share	$2.34	$2.47	$2.27	$2.16	$2.20	$2.09	$1.39	$1.758M	$1.941M	$2.024M	$2.127M	$3.61	$3.22	$2.85	$1.59	$1.382M	$1.523M	$1.636M	$1.829M	$1.850M	$1.862M	$1.479M	$1.275M	$1.063M	$1.160M	$1.047M	$1.317M	$958.7K	$696.8K	$610.5K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$32.76M	$34.50M	$36.90M	$35.80M	$37.10M	$27.60M	$27.40M	$24.30M	$21.80M	$21.10M	$20.20M	$8.300M	$7.700M	$7.700M	$8.000M	$7.900M	$6.800M	$6.700M	$6.400M	$4.900M	$4.600M	$4.900M	$4.500M	$4.700M	$4.900M	$4.700M	$3.800M	$3.800M	$3.800M	$4.100M
YoY Change	-5.02%	-6.52%	3.07%	-3.5%	34.42%	0.73%	12.76%	11.47%	3.32%	4.46%	143.37%	7.79%	0.0%	-3.75%	1.27%	16.18%	1.49%	4.69%	30.61%	6.52%	-6.12%	8.89%	-4.26%	-4.08%	4.26%	23.68%	0.0%	0.0%	-7.32%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments	$7.815M	$4.783M	$4.600M					$600.0K	$900.0K	$1.600M	$2.200M	$2.900M	$3.500M	$4.200M	$4.900M	$4.700M	$5.400M	$5.000M	$3.500M
YoY Change	63.39%	3.98%						-33.33%	-43.75%	-27.27%	-24.14%	-17.14%	-16.67%	-14.29%	4.26%	-12.96%	8.0%	42.86%
Other Assets	$4.655M	$6.868M	$2.900M	$2.500M	$3.300M	$5.200M	$4.400M	$8.400M	$9.000M	$8.100M	$9.900M	$4.700M	$8.000M	$11.90M	$9.500M	$10.90M
YoY Change	-32.22%	136.83%	16.0%	-24.24%	-36.54%	18.18%	-47.62%	-6.67%	11.11%	-18.18%	110.64%	-41.25%	-32.77%	25.26%	-12.84%
Total Long-Term Assets
YoY Change
Total Assets	$2.205B	$1.996B	$1.941B	$1.835B	$1.665B	$1.685B	$1.475B	$1.349B	$1.320B	$1.245B	$1.212B	$856.5M	$764.0M	$691.7M	$676.2M	$652.8M	$628.1M	$592.3M	$568.7M	$546.7M	$527.4M	$472.2M	$424.8M	$394.9M	$373.7M	$341.6M	$284.0M	$259.7M	$241.2M	$235.6M
YoY Change
Accounts Payable	$3.814M	$603.0K	$700.0K	$1.100M	$1.700M	$1.200M	$500.0K	$500.0K	$400.0K	$400.0K	$400.0K	$400.0K	$500.0K	$800.0K	$1.100M	$1.300M	$1.700M	$1.500M	$1.100M	$900.0K	$800.0K	$1.100M	$1.200M	$1.500M	$1.100M	$1.200M	$900.0K	$900.0K	$900.0K	$600.0K
YoY Change	532.5%	-13.86%	-36.36%	-35.29%	41.67%	140.0%	0.0%	25.0%	0.0%	0.0%	0.0%	-20.0%	-37.5%	-27.27%	-15.38%	-23.53%	13.33%	36.36%	22.22%	12.5%	-27.27%	-8.33%	-20.0%	36.36%	-8.33%	33.33%	0.0%	0.0%	50.0%
Accrued Expenses	$2.570M	$2.708M	$2.900M	$3.200M	$4.200M
YoY Change	-5.1%	-6.62%	-9.38%	-23.81%
Deferred Revenue
YoY Change
Short-Term Debt	$145.9M	$153.3M	$5.700M	$5.200M	$4.900M	$5.700M	$7.900M	$13.20M	$18.30M	$14.00M	$12.40M	$33.20M	$29.60M	$27.30M	$18.40M	$73.90M	$55.30M	$34.70M	$17.00M	$36.50M	$46.40M	$13.60M	$19.10M	$31.00M	$39.60M	$11.20M	$8.600M	$5.600M	$6.300M	$5.000M
YoY Change	-4.84%	2590.33%	9.62%	6.12%	-14.04%	-27.85%	-40.15%	-27.87%	30.71%	12.9%	-62.65%	12.16%	8.42%	48.37%	-75.1%	33.63%	59.37%	104.12%	-53.42%	-21.34%	241.18%	-28.8%	-38.39%	-21.72%	253.57%	30.23%	53.57%	-11.11%	26.0%
Long-Term Debt Due	$427.0K	$421.0K	$400.0K	$300.0K	$300.0K	$0.00	$0.00	$0.00	$0.00
YoY Change	1.43%	5.25%	33.33%	0.0%
Total Short-Term Liabilities	$152.3M	$3.311M	$4.000M	$4.600M	$6.200M	$1.200M	$500.0K	$500.0K	$400.0K	$400.0K	$400.0K	$400.0K	$500.0K	$800.0K	$1.100M	$1.300M	$1.700M	$1.500M	$1.100M	$900.0K	$800.0K	$1.100M	$1.200M	$1.500M	$1.100M	$1.200M	$900.0K	$900.0K	$900.0K	$600.0K
YoY Change	4500.12%	-17.22%	-13.04%	-25.81%	416.67%	140.0%	0.0%	25.0%	0.0%	0.0%	0.0%	-20.0%	-37.5%	-27.27%	-15.38%	-23.53%	13.33%	36.36%	22.22%	12.5%	-27.27%	-8.33%	-20.0%	36.36%	-8.33%	33.33%	0.0%	0.0%	50.0%
Long-Term Debt	$252.6M	$102.8M	$7.500M	$5.200M	$5.300M	$300.0K	$300.0K	$300.0K	$400.0K	$400.0K	$500.0K	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$7.000M
YoY Change	145.76%	1270.44%	44.23%	-1.89%	1666.67%	0.0%	0.0%	-25.0%	0.0%	-20.0%																			-100.0%
Other Long-Term Liabilities	$18.85M	$12.64M	$12.00M	$13.00M	$13.70M	$13.40M	$17.80M	$15.40M	$13.80M	$15.30M	$12.90M	$10.90M	$10.40M	$7.700M	$5.800M	$8.400M	$5.100M	$3.400M	$2.600M	$3.500M	$4.300M	$2.800M	$2.300M	$2.000M	$2.000M	$3.400M	$4.000M	$2.100M	$2.000M	$1.200M
YoY Change	49.16%	5.33%	-7.69%	-5.11%	2.24%	-24.72%	15.58%	11.59%	-9.8%	18.6%	18.35%	4.81%	35.06%	32.76%	-30.95%	64.71%	50.0%	30.77%	-25.71%	-18.6%	53.57%	21.74%	15.0%	0.0%	-41.18%	-15.0%	90.48%	5.0%	66.67%
Total Long-Term Liabilities	$271.5M	$115.4M	$19.50M	$18.20M	$19.00M	$13.70M	$18.10M	$15.70M	$14.20M	$15.70M	$13.40M	$10.90M	$10.40M	$7.700M	$5.800M	$8.400M	$5.100M	$3.400M	$2.600M	$3.500M	$4.300M	$2.800M	$2.300M	$2.000M	$2.000M	$3.400M	$4.000M	$2.100M	$2.000M	$8.200M
YoY Change	135.18%	491.91%	7.14%	-4.21%	38.69%	-24.31%	15.29%	10.56%	-9.55%	17.16%	22.94%	4.81%	35.06%	32.76%	-30.95%	64.71%	50.0%	30.77%	-25.71%	-18.6%	53.57%	21.74%	15.0%	0.0%	-41.18%	-15.0%	90.48%	5.0%	-75.61%
Total Liabilities	$2.013B	$1.829B	$1.769B	$1.671B	$1.510B	$1.541B	$1.336B	$1.210B	$1.184B	$1.109B	$1.084B	$762.8M	$683.5M	$625.1M	$609.3M	$591.8M	$557.6M	$517.7M	$494.7M	$473.5M	$457.6M	$409.1M	$369.6M	$344.4M	$327.7M	$291.7M	$241.0M	$226.2M	$211.6M	$211.8M
YoY Change	10.1%	3.4%	5.87%	10.6%	-2.0%	15.33%	10.41%	2.24%	6.74%	2.29%	42.13%	11.6%	9.34%	2.59%	2.96%	6.13%	7.71%	4.65%	4.48%	3.47%	11.86%	10.69%	7.32%	5.1%	12.34%	21.04%	6.54%	6.9%	-0.09%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2012	2011	2010	2009
Basic Shares Outstanding	7.112M shares	7.059M shares	7.062M shares	7.045M shares	7.039M shares	7.035M shares	7.058M shares	3.838M shares	3.836M shares	3.834M shares	3.833M shares
Diluted Shares Outstanding	7.112M shares	7.059M shares	7.062M shares	7.045M shares	7.113M shares	7.035M shares	7.058M shares	3.838M shares	3.836M shares	3.834M shares	3.833M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $221.36 Million

About PENNS WOODS BANCORP INC

Penns Woods Bancorp, Inc. engages in the business of commercial and retail banking. The company is headquartered in Williamsport, Pennsylvania and currently employs 0 full-time employees. The firm operates, through its subsidiaries, namely Jersey Shore State Bank (JSSB) and Luzerne Bank (Luzerne) (the Banks). The Banks engage in business as commercial banks, doing business at locations in Lycoming, Clinton, Centre, Montour, Union, Blair, and Luzerne Counties, Pennsylvania. The Banks offers insurance, securities brokerage services, annuity and mutual fund investment products, and financial planning through the M Group, Inc. doing business as The Comprehensive Financial Group (M Group). Services offered by the Banks include accepting time, demand and savings deposits, including Super NOW accounts, statement savings accounts, money market accounts, and others. The Banks services also include making secured and unsecured business and consumer loans. Its subsidiaries also include Woods Real Estate Development Co., Inc., Woods Investment Company, Inc., The M Group Inc. and United Insurance Solutions, LLC.

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