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

PWOD Stock Summary

• Equity multiplier, or assets relative to shareholders' equity, comes in at 11.34 for PENNS WOODS BANCORP INC; that's greater than it is for 93.66% of US stocks.
• In terms of volatility of its share price, PWOD is more volatile than just 0.62% 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 24.71%, greater than the shareholder yield of 93.3% of stocks in our set.
• Stocks that are quantitatively similar to PWOD, based on their financial statements, market capitalization, and price volatility, are PBHC, HAFC, DCOM, PROV, and BHLB.
• 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

• PWOD's EV/EBIT ratio is 9.3; this is 7% lower than that of the median Financial Services stock.
• Over the past 243 months, PWOD's price/sales ratio has gone down 2.2.

Below are key valuation metrics over time for PWOD.

PWOD Growth Metrics

The 3 year cash and equivalents growth rate now stands at 197.3%.
• Its 2 year cash and equivalents growth rate is now at 181.38%.
• Its 2 year net cashflow from operations growth rate is now at -4.5%.

PWOD's revenue has moved up $3,321,000 over the prior 33 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
2022-06-30	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
2021-03-31	58.087	22.782	15.574

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.