Penns Woods Bancorp, Inc. (PWOD): Price and Financial Metrics

PWOD POWR Grades

• PWOD scores best on the Stability dimension, with a Stability rank ahead of 96.65% of US stocks.
• PWOD's strongest trending metric is Quality; it's been moving down over the last 65 days.
• PWOD's current lowest rank is in the Quality metric (where it is better than 14.39% of US stocks).

PWOD Stock Summary

• Equity multiplier, or assets relative to shareholders' equity, comes in at 11.4 for PENNS WOODS BANCORP INC; that's greater than it is for 93.53% of US stocks.
• In terms of volatility of its share price, PWOD is more volatile than just 14.57% of stocks we're observing.
• PENNS WOODS BANCORP INC's shareholder yield -- a measure of how much capital is returned to stockholders via dividends and buybacks -- is 5.76%, greater than the shareholder yield of 76.77% of stocks in our set.
• If you're looking for stocks that are quantitatively similar to PENNS WOODS BANCORP INC, a group of peers worth examining would be PBHC, DCOM, HWC, FNWB, and SBSI.
• Visit PWOD's SEC page to see the company's official filings. To visit the company's web site, go to www.pwod.com.

PWOD Valuation Summary

• In comparison to the median Financial Services stock, PWOD's price/sales ratio is 158.33% higher, now standing at 3.1.
• Over the past 243 months, PWOD's EV/EBIT ratio has gone down 1.5.

Below are key valuation metrics over time for PWOD.

PWOD Growth Metrics

Its 3 year net cashflow from operations growth rate is now at -33.89%.
• Its 2 year net income to common stockholders growth rate is now at 8.26%.
• Its year over year net cashflow from operations growth rate is now at -31.42%.

PWOD's revenue has moved up $8,845,000 over the prior 49 months.

The table below shows PWOD's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-09-30	63.945	24.17	17.792
2022-06-30	62.693	21.357	16.667
2022-03-31	61.693	15.623	16.024
2021-12-31	60.747	17.923	16.033
2021-09-30	58.788	19.486	15.055
2021-06-30	58.515	16.952	15.402

PWOD's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• PWOD has a Quality Grade of C, ranking ahead of 31.51% of graded US stocks.
• PWOD's asset turnover comes in at 0.031 -- ranking 359th of 434 Banking stocks.
• FCNCA, NKSH, and HBMD are the stocks whose asset turnover ratios are most correlated with PWOD.

The table below shows PWOD's key quality metrics over time.