Penns Woods Bancorp, Inc.

PWOD

PWODPenns Woods Bancorp, Inc. US flag

NASDAQ Global Select

30.00

USD

-0.50

- -

228.43MMarket Cap

Income Statement (USD)

API Chat

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Sales/Revenue/Turnover	34	37	41	50	55	53	53	55	57	61	60	61	66	63	68
+ Sales & Services Revenue	34	37	41	50	55	53	53	55	57	61	60	61	66	63	68
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	11	11	13	17	19	19	19	21	23	23	23	25	26	27	28
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-11	-11	-13	-17	-19	-19	-19	-21	-23	-23	-23	-25	-26	-27	-28
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-12	-14	-16	-18	-18	-18	-17	-17	-18	-19	-19	-20	-22	-20	-22
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-12	-14	-16	-18	-18	-18	-17	-17	-18	-19	-19	-20	-22	-20	-22
Pretax Income	12	14	16	18	18	18	17	17	18	19	19	20	22	20	22
- Income Tax Expense (Benefit)	1	2	3	3	4	4	5	7	3	3	3	4	4	4	4
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	11	12	14	14	15	14	12	10	15	16	15	16	17	17	18
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	11	12	14	14	15	14	12	10	15	16	15	16	17	17	18
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	11	12	14	14	15	14	12	10	15	16	15	16	17	17	18
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	11	12	14	14	15	14	12	10	15	16	15	16	17	17	18
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	1	1	1	2	3	4	4	3	3	3	3	4	4	3	4
EBITDA Margin (%)	2.15	1.9	2.63	3.32	6.21	6.93	6.58	5.42	4.92	5.25	5.47	6.36	5.44	4.66	6
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	32.19	33.47	33.78	28.12	26.49	26.18	23.38	17.83	25.67	25.58	25.18	26.12	26.2	26.22	25.9
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	1.23	1.23	1.25	1.44	1.25	1.25	1.25	1.25	1.25	1.26	1.28	1.28	1.28	1.29	1.28
Depreciation Expense	1	1	1	2	3	4	4	3	3	3	3	4	4	3	4
Basic Weighted Avg Shares	6	6	6	7	7	7	7	7	7	7	7	7	7	7	8
Basic EPS, GAAP	1.9	2.15	2.41	2.13	2.02	1.94	1.76	1.38	2.09	2.23	2.16	2.27	2.47	2.34	2.35
Basic EPS from Cont Ops	1.9	2.15	2.41	2.13	2.02	1.94	1.76	1.38	2.09	2.23	2.16	2.27	2.47	2.34	2.35
Diluted Weighted Avg Shares	6	6	6	7	7	7	7	7	7	8	7	7	7	7	8
Diluted EPS, GAAP	1.9	2.15	2.41	2.13	2.02	1.94	1.76	1.38	2.09	2.06	2.16	2.27	2.47	2.34	2.35
Diluted EPS from Cont Ops	1.9	2.15	2.41	2.13	2.02	1.94	1.76	1.38	2.09	2.06	2.16	2.27	2.47	2.34	2.35

Balance Sheet (USD)

API Chat

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	9	284	304	313	252	199	177	136	201	197	376	380	234	228	214
+ Cash & Cash Equivalents	9	14	15	24	20	23	44	27	67	49	213	214	40	37	29
+ ST Investments	- -	270	289	289	232	176	133	109	134	149	162	166	194	191	185
+ Accounts & Notes Receiv	4	4	4	5	4	4	4	4	5	5	8	8	9	11	11
+ Accounts Receivable, Net	4	4	4	5	4	4	4	4	5	5	8	8	9	11	11
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-13	-288	-309	-318	-256	-203	-181	-140	-206	-202	-384	-388	-243	-239	-225
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	8	8	8	20	21	22	24	27	28	37	36	37	34	33	31
+ Property, Plant & Equip	17	17	17	28	29	32	35	40	42	53	54	57	56	55	49
- Accumulated Depreciation	9	10	9	7	8	10	11	13	14	16	18	20	21	22	19
+ LT Investments & Receivables	220	274	292	291	234	177	134	111	136	150	168	172	203	200	192
+ LT Investments	220	274	292	291	234	177	134	111	136	150	168	172	203	200	192
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-228	-281	-301	-311	-255	-199	-158	-139	-164	-187	-203	-209	-238	-233	-223
+ Total Intangible Assets	3	3	3	19	19	18	19	19	18	18	18	18	17	17	17
+ Goodwill	3	3	3	17	17	17	17	17	17	17	17	17	16	16	16
+ Other Intangible Assets	- -	- -	- -	2	1	1	2	1	1	1	1	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-231	-284	-304	-330	-273	-217	-177	-157	-182	-205	-221	-227	-255	-249	-240
Total Assets	692	764	857	1,212	1,245	1,320	1,349	1,474	1,685	1,665	1,835	1,941	2,000	2,205	2,232
+ Payables & Accruals	1	1	- -	- -	- -	- -	- -	1	1	2	1	1	1	4	5
+ Accounts Payable	1	1	- -	- -	- -	- -	- -	1	1	2	1	1	1	4	5
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	27	30	- -	14	27	28	13	101	168	5	- -	- -	148	142	40
+ ST Borrowings	27	30	- -	14	27	28	13	101	168	5	- -	- -	148	142	40
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-28	-30	- -	-15	-27	-29	-14	-101	-169	-7	-1	-1	-149	-146	-45
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-28	-30	- -	-15	-27	-29	-14	-101	-169	-7	-1	-1	-149	-146	-45
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	72	61	76	71	71	91	86	71	139	166	157	129	105	255	257
+ LT Borrowings	72	61	76	71	71	91	86	71	139	162	153	126	95	245	248
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	4	3	3	10	10	10
+ Other LT Liabilities	-72	-61	-76	-71	-71	-91	-86	-71	-139	-166	-157	-129	-105	-255	-257
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-72	-61	-76	-71	-71	-91	-86	-71	-139	-166	-157	-129	-105	-255	-257
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	625	683	763	1,084	1,109	1,184	1,210	1,336	1,541	1,510	1,670	1,769	1,832	2,013	2,027
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	52	52	52	91	92	92	92	92	92	93	94	96	96	106	108
+ Common Stock	33	33	33	42	42	42	42	42	42	42	42	42	42	45	45
+ Additional Paid in Capital	18	18	18	50	50	50	50	50	51	51	53	54	54	62	63
- Treasury Stock	6	6	6	6	7	10	10	12	12	12	12	12	13	13	13
+ Retained Earnings	31	36	43	48	53	58	62	63	70	77	83	90	98	107	115
+ Other Equity	-10	-1	5	-5	-2	-4	-5	-5	-7	-3	-1	-1	-14	-9	-5
Equity Before Minority Interest	67	80	94	128	136	136	138	138	144	155	164	172	168	192	205
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	67	80	94	128	136	136	138	138	144	155	164	172	168	192	205
Total Liabilities & Equity	692	764	857	1,212	1,245	1,320	1,349	1,474	1,685	1,665	1,835	1,941	2,000	2,205	2,232
Shares Outstanding	6	6	6	7	7	7	7	7	7	7	7	7	7	8	8
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	4	3	3	10	10	10
Net Debt	90	77	61	61	78	96	56	144	240	118	-60	-88	203	350	259
Net Debt to Equity	134.47	95.69	65.23	47.4	57.13	70.54	40.19	104.55	167.24	76.3	-36.48	-51.02	120.99	182.63	126.32
Tangible Common Equity Ratio	9.23	10.18	10.63	9.13	9.57	9.06	8.98	8.22	7.52	8.32	8.06	8.04	7.61	7.99	8.52
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
+ Net Income	11	12	14	14	15	14	12	10	15	16	15	16	17	17	18
+ Depreciation & Amortization	1	1	1	2	3	4	4	3	3	3	3	4	4	3	4
+ Non-Cash Items	-2	4	-1	1	1	-2	-1	3	- -	1	5	- -	4	-1	-3
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1	1	1	1
+ Deferred Income Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	- -	- -
+ Other Non-Cash Adj	-2	4	-1	1	1	-2	-1	3	- -	- -	4	-1	2	-2	-4
+ Chg in Non-Cash Work Cap	- -	- -	- -	- -	- -	- -	2	2	- -	-6	-1	-2	-1	- -	1
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	- -	- -	- -	- -	-7	- -	- -	- -	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-2	-1	- -	- -	- -
+ Inc (Dec) in Other	- -	- -	- -	- -	- -	- -	2	2	- -	1	- -	- -	-1	- -	1
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	10	16	14	17	19	16	16	18	17	14	22	18	24	19	19
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1
+ Disp of Fixed Prod Assets	- -	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	-1	-1	-5	-3	-2	-4	-5	-2	-3	-3	-1	- -	-1	-1
+ Acq of Fixed Prod Assets	- -	-1	-1	-5	-3	-2	-4	-5	-2	-3	-3	-1	- -	-1	-1
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	- -	-1	-2	- -	-2	- -	- -	- -	- -	- -	9	1
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9	1
+ Decrease in Capital Stock	- -	- -	- -	- -	-1	-3	-1	-2	- -	- -	- -	- -	-1	- -	- -
+ Net Change in LT Investment	-10	-37	-6	6	67	54	42	10	-36	-4	-15	-8	-49	1	13
+ Dec in LT Investment	20	27	70	99	119	99	74	45	43	45	48	42	34	95	91
+ Inc in LT Investment	-30	-64	-76	-93	-52	-46	-32	-35	-80	-49	-63	-50	-84	-93	-78
+ Net Cash From Acq & Div	- -	- -	- -	17	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	17	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-11	-24	-77	-57	-100	-129	-49	-152	-139	24	7	-47	-248	-198	-47
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-21	-61	-85	-38	-36	-78	-11	-147	-178	18	-11	-56	-298	-197	-35
+ Dividends Paid	-7	-7	-7	-10	-9	-9	-9	-9	-9	-9	-9	-9	-9	-9	-10
+ Net Cash From Debt	-6	-10	15	-5	- -	20	-5	-15	68	17	-8	-30	124	150	3
+ Cash From Debt	9	- -	30	- -	- -	31	- -	30	80	50	35	1	148	180	43
+ Repayments of Debt	-15	-10	-15	-6	- -	-11	-5	-45	-12	-33	-43	-30	-23	-30	-40
+ Other Financing Activities	20	66	64	45	23	56	30	139	141	-59	170	127	-65	26	13
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	7	49	72	30	13	65	16	113	200	-51	154	89	50	175	7
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-4	4	1	9	-5	3	21	-16	39	-18	165	51	-224	-3	-8
EBITDA	1	1	1	2	3	4	4	3	3	3	3	4	4	3	4
EBITDA Margin (%)	2.15	1.9	2.63	3.32	6.21	6.93	6.58	5.42	4.92	5.25	5.47	6.36	5.44	4.66	6
Free Cash Flow	9	16	13	12	16	13	12	13	15	11	19	17	24	18	18
Net Cash Paid for Acquisitions	- -	- -	- -	-17	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	9	16	13	12	16	13	12	13	15	11	19	17	24	18	18
Free Cash Flow to Equity	4	6	28	7	16	33	7	-2	83	29	12	-13	148	168	22
Free Cash Flow per Basic Share	1.64	2.74	2.18	1.88	2.21	1.88	1.7	1.8	2.17	1.61	2.74	2.38	3.33	2.53	2.41
Price/Free Cash Flow	7.62	4.65	5.29	6.01	6.82	7.27	8	6.8	7.2	12.42	5.99	7.44	6.93	7.7	11.15
Cash Flow to Net Income	0.9	1.33	1.01	1.23	1.28	1.13	1.29	1.81	1.17	0.9	1.45	1.12	1.37	1.13	1.09
Capital Expenditures	- -	-1	-1	-5	-3	-2	-4	-5	-2	-3	-3	-1	- -	-1	-1