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Market Price

24.23 

-0.18 -0.7%

as of Apr 09 '21

52 Week Range:

19.50 28.42


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Penns Woods Bancorp, Inc. operates as the bank holding company for Jersey Shore State Bank and Luzerne Bank, which provides banking and financial services to individuals, partnerships, non-profit organizations, and corporations. It provides time deposits, super NOW accounts, statement savings accounts, money market accounts, certificates of deposit, checking accounts, and IRAs. The company also offers loan products comprising secured and unsecured business, and commercial loans that include financing commercial transactions, as well as revolving credit loans with overdraft protection. In addition, its loan portfolio includes agricultural loans; real estate loans, such as residential, commercial, and construction; commercial loans; letters of credit; and consumer loans that comprise residential mortgages, home equity loans and lines, automobile financing, personal loans, lines of credit, overdrafts, and check lines, as well as lines of credit for working capital purposes. Further, the company provides securities brokerage and financial planning services, which include the sale of life insurance products, annuities, and estate planning services; annuity and mutual fund investment products; safe deposit services; ATMs; and Internet and telephone banking services. Additionally, it engages in real estate transactions and investment activities. The company operates through a network of 26 offices located in Clinton, Lycoming, Centre, Montour, Union, and Luzerne counties, Pennsylvania. Penns Woods Bancorp, Inc. was founded in 1934 and is based in Williamsport, Pennsylvania.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 11.58
13.65
16.28
17.41
19.01
19.04
19.70
19.86
19.97
22.02
23.03
growth rate 17.9% 19.3% 6.9% 9.2% 0.2% 3.5% 0.8% 0.6% 10.3% 4.6%
Earnings BIT 12.31
14.28
16.45
17.54
20.38
19.72
19.09
19.05
47.76
50.03
49.14
growth rate 16.0% 15.2% 6.6% 16.2% -3.2% -3.2% -0.2% 150.8% 4.8% -1.8%
Avg.PE 13.97
12.03
10.36
15.97
15.31
13.16
17.01
20.61
17.76
17.76
17.76
growth rate -13.9% -13.9% 54.2% -4.1% -14.0% 29.3% 21.2% -13.8% 0.0% 0.0%
ROA 1.60
1.70
1.71
1.36
1.19
1.08
0.93
0.69
0.93
0.94
0.87
growth rate 6.3% 0.6% -20.5% -12.5% -9.2% -13.9% -25.8% 34.8% 1.1% -7.5%
ROE 16.37
16.81
15.90
12.71
11.08
10.21
9.09
7.07
10.44
10.50
9.53
growth rate 2.7% -5.4% -20.1% -12.8% -7.9% -11.0% -22.2% 47.7% 0.6% -9.2%
ROIC 11.66
11.27
10.19
8.54
7.83
growth rate -3.3% -9.6% -16.2% -8.3%
Leverage 10.38
9.49
9.14
9.48
9.16
9.69
9.75
10.67
11.74
10.75
11.18
growth rate -8.6% -3.7% 3.7% -3.4% 5.8% 0.6% 9.4% 10.0% -8.4% 4.0%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 3.91
4.10
4.70
3.91
3.69
3.67
4.32
5.33
5.25
8.39
growth rate 5.0% 14.6% -16.7% -5.8% -0.4% 17.7% 23.4% -1.7% 60.0%
Acct.Payable 0.54
0.37
0.41
981.42
1,031.88
1,095.21
1,146.32
1.15
1.67
1,494.44
growth rate -31.7% 10.7% 242,225.7% 5.1% 6.1% 4.7% -99.9% 45.3% 89,334.1%
Cur.Assets 27.61
29.01
50.19
33.09
1,413.79
1,378.04
1,530.93
growth rate 5.1% 73.0% -34.1% 4,172.2% -2.5% 11.1%
Total Assets 691.70
763.95
856.54
1,212.00
1,245.01
1,320.06
1,348.59
1,474.49
1,684.77
1,665.32
1,834.64
growth rate 10.5% 12.1% 41.5% 2.7% 6.0% 2.2% 9.3% 14.3% -1.2% 10.2%
Cash 9.50
284.04
304.46
313.22
19.91
22.80
43.67
27.24
66.74
48.59
213.36
growth rate 2,889.9% 7.2% 2.9% -93.6% 14.5% 91.6% -37.6% 145.0% -27.2% 339.1%
Inventory 3.24
1.70
0.84
0.14
0.40
0.41
0.40
growth rate -47.7% -50.5% -83.0% 181.1% 2.7% -2.9%
Cur.Liabilities 1,033.37
1,083.94
1,153.91
1,259.57
167.87
4.92
5.24
growth rate 4.9% 6.5% 9.2% -86.7% -97.1% 6.6%
Liabilities 625.10
683.49
762.81
1,084.18
1,109.04
1,183.78
1,210.34
1,336.30
1,541.23
1,510.34
1,670.50
growth rate 9.3% 11.6% 42.1% 2.3% 6.7% 2.2% 10.4% 15.3% -2.0% 10.6%
LT Debt 2,010.00
2,011.00
2,012.00
2,013.00
60.00
85.63
40.63
58.63
138.94
161.92
118.00
growth rate 0.1% 0.1% 0.1% -97.0% 42.7% -52.6% 44.3% 137.0% 16.5% -27.1%
Equity 66.60
80.46
93.73
127.82
135.97
136.28
138.25
138.19
143.54
154.96
164.14
growth rate 20.8% 16.5% 36.4% 6.4% 0.2% 1.5% 0.0% 3.9% 8.0% 5.9%
Common Shares 6.00
6.00
6.00
7.00
7.00
7.00
7.00
7.00
4.69
7.04
7.05
growth rate 0.0% 0.0% 16.7% 0.0% 0.0% 0.0% 0.0% -33.0% 50.1% 0.2%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 0.40
0.74
1.40
4.92
2.80
2.29
4.06
5.00
2.01
2.71
2.67
growth rate 85.8% 88.8% 250.5% -43.2% -18.3% 77.7% 23.1% -59.9% 35.0% -1.4%
Cash Dividends 7.10
7.06
7.21
9.56
9.06
8.97
8.90
8.84
-8.82
-8.88
-9.02
growth rate -0.6% 2.2% 32.5% -5.3% -1.0% -0.7% -0.7% -100.0% 0.0% 0.0%
Cash From OA 9.90
16.49
13.97
17.33
18.74
15.74
16.11
17.69
17.27
14.05
22.00
growth rate 66.6% -15.3% 24.1% 8.1% -16.0% 2.4% 9.8% -2.4% -18.7% 56.6%
FCF per Share 1.64
2.44
2.18
1.87
1.91
2.11
1.89
0.95
2.40
2.12
1.33
growth rate 48.8% -10.7% -14.2% 2.1% 10.5% -10.4% -49.7% 152.6% -11.7% -37.3%
Sale Purchase of Stock 0.07
0.05
0.08
0.12
0.12
0.10
0.12
0.10
0.09
growth rate -19.4% 48.2% 48.8% -2.5% -12.9% 14.9% -16.4% -8.3%
FCF 9.00
16.00
13.00
12.00
16.00
13.00
12.00
13.00
15.00
11.00
19.00
growth rate 77.8% -18.8% -7.7% 33.3% -18.8% -7.7% 8.3% 15.4% -26.7% 72.7%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 34.00
44.60
47.21
55.34
51.64
51.37
52.16
54.09
58.17
61.64
60.04
growth rate 31.2% 5.9% 17.2% -6.7% -0.5% 1.5% 3.7% 7.5% 6.0% -2.6%
Op.Income 12.30
12.36
13.85
14.08
19.50
19.95
19.46
19.21
47.76
50.03
49.14
growth rate 0.5% 12.0% 1.7% 38.5% 2.3% -2.5% -1.3% 148.6% 4.8% -1.8%
IBT 12.31
14.28
16.45
17.54
18.41
17.63
17.07
17.23
17.52
18.81
18.68
growth rate 16.0% 15.2% 6.6% 5.0% -4.2% -3.2% 0.9% 1.7% 7.3% -0.7%
Net Income 10.90
12.36
13.85
14.08
14.61
13.90
12.48
9.77
14.70
15.67
15.21
growth rate 13.4% 12.0% 1.7% 3.7% -4.9% -10.2% -21.7% 50.5% 6.6% -3.0%
EPS 1.90
2.15
2.41
2.13
2.02
1.94
1.76
1.39
2.09
2.20
2.16
growth rate 13.2% 12.1% -11.6% -5.2% -4.0% -9.3% -21.0% 50.4% 5.3% -1.8%
Gross Profit 51.64
51.37
52.16
54.09
56.64
60.27
58.76
growth rate -0.5% 1.5% 3.7% 4.7% 6.4% -2.5%
R&D 0.00
growth rate

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT 8.30
12.57
13.62
13.66
9.82
growth rate 51.5% 8.4% 0.3% -28.1%
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Receivable 5.25
1,342.21
1,344.44
1,344.25
8.39
growth rate 25,485.3% 0.2% 0.0% -99.4%
Acct.Payable 1.67
1.64
1.53
1.49
1,494.44
growth rate -2.2% -6.4% -2.6% 100,130.9%
Cur.Assets 1,378.04
1,393.62
1,539.37
1,548.75
1,530.93
growth rate 1.1% 10.5% 0.6% -1.2%
Total Assets 1,665.32
1,688.51
1,838.36
1,840.78
1,834.64
growth rate 1.4% 8.9% 0.1% -0.3%
Cash 48.59
77.76
215.17
226.27
213.36
growth rate 60.0% 176.7% 5.2% -5.7%
Inventory 0.41
0.41
0.31
0.38
0.40
growth rate 0.0% -25.4% 22.1% 6.7%
Cur.Liabilities 4.92
17.74
15.13
15.01
5.24
growth rate 260.6% -14.7% -0.8% -65.1%
Liabilities 1,510.34
1,531.92
1,678.76
1,678.35
1,670.50
growth rate 1.4% 9.6% 0.0% -0.5%
LT Debt 161.92
166.33
171.89
148.00
118.00
growth rate 2.7% 3.3% -13.9% -20.3%
Equity 154.96
156.56
159.58
162.42
164.14
growth rate 1.0% 1.9% 1.8% 1.1%
Common Shares 7.04
7.04
7.04
7.05
7.05
growth rate 0.0% 0.0% 0.1% 0.1%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 0.91
1.55
0.74
0.54
-0.16
growth rate 70.4% -52.2% -26.4% -100.0%
Cash Dividends -2.26
-2.25
-2.25
-2.26
-2.26
growth rate 0.0% 0.0% 0.0% 0.0%
Cash From OA -1.72
8.61
3.38
2.91
7.10
growth rate 100.0% -60.7% -13.9% 143.8%
Sale Purchase of Stock 0.02
0.02
0.02
0.10
growth rate 0.0% 15.0% 339.1%
FCF -2.63
7.06
2.64
2.37
6.94
growth rate 100.0% -62.6% -10.4% 193.0%
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 15.29
14.20
14.41
15.45
15.98
growth rate -7.2% 1.5% 7.2% 3.5%
Op.Income 8.30
12.57
13.62
13.66
9.82
growth rate 51.5% 8.4% 0.3% -28.1%
IBT 3.23
3.73
4.61
5.52
4.81
growth rate 15.6% 23.5% 19.8% -12.9%
Net Income 2.83
3.07
3.76
4.47
3.90
growth rate 8.5% 22.4% 18.9% -12.8%
EPS
growth rate
Gross Profit 13.92
14.20
14.41
15.45
14.70
growth rate 2.0% 1.5% 7.2% -4.8%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (48.38)

YOY Growth Grade:

E (31.77)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 17.76 10.63 11.08
EPS / Growth -8.1% 2.28

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 5.9%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 3.4% 3.4%
Future PE 2.00 11.91 11.91
Future EPS 2.52 3.20 3.20
Value Price
MOS %
1.25
-94.9%
9.41
-61.2%
9.41
-61.2%
MOS Price 0.62 4.71 4.71
IRT 10.05 8.95 8.95

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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