Penns Woods Bancorp, Inc.
Penns Woods Bancorp, Inc. Fundamental Analysis
Penns Woods Bancorp, Inc. (PWOD) shows moderate financial fundamentals with a PE ratio of 14.31, profit margin of 17.20%, and ROE of 7.69%. The company generates $0.1B in annual revenue with strong year-over-year growth of 19.35%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 47.9/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze PWOD's fundamental strength across five key dimensions:
Efficiency Score
WeakPWOD struggles to generate sufficient returns from assets.
Valuation Score
ExcellentPWOD trades at attractive valuation levels.
Growth Score
ModeratePWOD shows steady but slowing expansion.
Financial Health Score
WeakPWOD carries high financial risk with limited liquidity.
Profitability Score
ModeratePWOD maintains healthy but balanced margins.
Key Financial Metrics
Is PWOD Expensive or Cheap?
P/E Ratio
PWOD trades at 14.31 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, PWOD's PEG of 0.74 indicates potential undervaluation.
Price to Book
The market values Penns Woods Bancorp, Inc. at 1.07 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -1.50 times EBITDA. This is generally considered low.
How Well Does PWOD Make Money?
Net Profit Margin
For every $100 in sales, Penns Woods Bancorp, Inc. keeps $17.20 as profit after all expenses.
Operating Margin
Core operations generate 21.41 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $7.69 in profit for every $100 of shareholder equity.
ROA
Penns Woods Bancorp, Inc. generates $0.71 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Penns Woods Bancorp, Inc. produces operating cash flow of $9.62M, showing steady but balanced cash generation.
Free Cash Flow
Penns Woods Bancorp, Inc. produces free cash flow of $9.14M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $1.20 in free cash annually.
FCF Yield
PWOD converts 3.99% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
14.31
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.74
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.07
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.47
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.42
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.06
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.08
vs 25 benchmark
ROA
Return on assets percentage
0.007
vs 25 benchmark
ROCE
Return on capital employed
0.04
vs 25 benchmark
How PWOD Stacks Against Its Sector Peers
| Metric | PWOD Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 14.31 | 18.66 | Better (Cheaper) |
| ROE | 7.69% | 804.00% | Weak |
| Net Margin | 17.20% | 2258.00% | Weak |
| Debt/Equity | 1.42 | 1.03 | Weak (High Leverage) |
| Current Ratio | 0.06 | 662.03 | Weak Liquidity |
| ROA | 0.71% | -24049.00% (disorted) | Weak |
PWOD outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Penns Woods Bancorp, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
44.33%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
5.74%
Industry Style: Value, Dividend, Cyclical
GrowingFCF CAGR
28.76%
Industry Style: Value, Dividend, Cyclical
High Growth