Penns Woods Bancorp, Inc. Financial Ratios — PWOD Stock

Profitability (USD)

	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
Return on Common Equity (%)	17.46	18.39	18.92	17	15.88	14.29	12.29	9.38	13.57	13.63	12.52	12.51	12.82	11.38	11.37
Return on Assets (%)	1.6	1.7	1.71	1.36	1.19	1.08	0.93	0.69	0.93	0.94	0.87	0.85	0.88	0.79	0.8
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
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
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	36.26	38.64	40.12	35.02	33.38	33.21	31.99	31.43	30.61	30.72	30.96	32.32	32.46	32.08	31.96
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
Net Income to Common 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
Effective Tax Rate (%)	11.23	13.4	15.8	19.68	20.66	21.19	26.93	43.29	16.08	16.67	18.58	19.12	19.29	18.28	18.97
Dvd Payout Ratio (%)	64.56	57.1	52.09	67.88	61.99	64.52	71.37	90.42	59.92	56.54	59.18	56.28	51.87	55.18	54.38
Sustainable Growth Rate (%)	6.19	7.89	9.07	5.46	6.04	5.07	3.52	0.9	5.44	5.93	5.11	5.47	6.17	5.1	5.19

Credit (USD)

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	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 Debt	99	91	76	86	98	119	99	172	307	171	157	129	254	397	298
ST Debt	27	30	- -	14	27	28	13	101	168	5	- -	- -	148	142	40
LT Debt	72	61	76	71	71	91	86	71	139	166	157	129	105	255	257
Total Debt/EBITDA	135.54	129.64	70.82	51.49	28.63	32.45	28.26	57.84	108.99	53.19	47.43	33.02	70.08	134.78	72.43
Net Debt/EBITDA	122.55	109.83	56.77	36.47	22.69	26.14	15.82	48.66	85.28	36.78	-18.13	-22.53	56.04	118.63	63.06
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.33	9.15	8.93	7.36	7.61	7.56	7.66	7.13	6.62	7.11	6.79	6.79	7.01	6.88	7.17
Long-Term Debt/Equity (%)	107.74	76.16	81.38	55.71	52.35	66.79	62.21	51.36	96.79	107.17	95.43	74.8	62.92	133.21	125.46
Long-Term Debt/Capital (%)	43.87	38.12	49.92	40.75	36.92	41.55	42.45	25.64	33.21	57.39	55.69	49.45	26.78	46.46	56.23
Long-Term Debt/Total Assets (%)	10.38	8.02	8.91	5.87	5.72	6.9	6.38	4.81	8.25	9.97	8.54	6.64	5.27	11.57	11.53
Total Debt/Equity (%)	148.72	112.95	81.38	66.91	72.08	87.56	71.78	124.26	213.74	110.34	95.43	74.8	151.31	207.49	145.08
Total Debt/Capital (%)	60.55	56.53	49.92	48.94	50.83	54.47	48.99	62.03	73.33	59.09	55.69	49.45	64.41	72.36	65.03
Total Debt/Total Assets (%)	14.32	11.9	8.91	7.06	7.87	9.04	7.36	11.65	18.21	10.27	8.54	6.64	12.68	18.03	13.34
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
Net Debt/Capital (%)	58.12	52.42	44.41	40.32	44.93	48.98	34.97	57.89	68.27	49.11	-88.18	-188.2	57.38	68.35	60.44
EBITDA	1	1	1	2	3	4	4	3	3	3	3	4	4	3	4
EBITDA-CapEx	- -	- -	- -	-3	1	1	-1	-2	1	1	1	3	3	2	3
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	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
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.33	9.15	8.93	7.36	7.61	7.56	7.66	7.13	6.62	7.11	6.79	6.79	7.01	6.88	7.17
Long-Term Debt/Equity (%)	107.74	76.16	81.38	55.71	52.35	66.79	62.21	51.36	96.79	107.17	95.43	74.8	62.92	133.21	125.46
Long-Term Debt/Capital (%)	43.87	38.12	49.92	40.75	36.92	41.55	42.45	25.64	33.21	57.39	55.69	49.45	26.78	46.46	56.23
Long-Term Debt/Total Assets (%)	10.38	8.02	8.91	5.87	5.72	6.9	6.38	4.81	8.25	9.97	8.54	6.64	5.27	11.57	11.53
Total Debt/Equity (%)	148.72	112.95	81.38	66.91	72.08	87.56	71.78	124.26	213.74	110.34	95.43	74.8	151.31	207.49	145.08
Total Debt/Capital (%)	60.55	56.53	49.92	48.94	50.83	54.47	48.99	62.03	73.33	59.09	55.69	49.45	64.41	72.36	65.03
Total Debt/Total Assets (%)	14.32	11.9	8.91	7.06	7.87	9.04	7.36	11.65	18.21	10.27	8.54	6.64	12.68	18.03	13.34
CFO/Total Liabilities	1.58	2.41	1.83	1.6	1.69	1.33	1.33	1.32	1.12	0.93	1.32	1.01	1.3	0.93	0.96
CFO/CapEx	24.59	22.2	9.95	3.52	6.7	6.89	3.97	3.54	8.61	5.19	8.25	15.76	63.38	23.35	16.15
Altman's Z-Score	0.19	0.19	0.18	0.17	0.19	0.17	0.19	0.17	0.15	0.18	0.15	0.15	0.16	0.14	0.17

Working Capital (USD)

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	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
Accounts Receivable Turnover	9.32	9.63	10.24	11.39	12.81	13.98	14.5	13.72	11.86	11.58	8.85	7.47	7.59	6.17	6.18
Days Sales Outstanding	39.17	37.89	35.63	32.05	28.48	26.12	25.17	26.61	30.77	31.52	41.22	48.88	48.11	59.14	59.04
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	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
Market Capitalization	78	80	81	134	147	131	161	154	139	192	148	142	168	151	229
- Cash & Cash Equivalents	9	14	15	24	20	23	44	27	67	49	213	214	40	37	29
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	99	91	76	86	98	119	99	172	307	171	157	129	254	397	298
Enterprise Value	168	-113	-147	-94	-7	51	84	190	245	166	-71	-110	188	320	313
Total Capital	164	161	153	175	193	219	203	277	418	289	281	261	394	549	458
Total Debt/Capital (%)	60.55	56.53	49.92	48.94	50.83	54.47	48.99	62.03	73.33	59.09	55.69	49.45	64.41	72.36	65.03
Total Debt / EV	0.59	-0.8	-0.52	-0.91	-13.53	2.32	1.19	0.9	1.25	1.03	-2.2	-1.17	1.35	1.24	0.95
EV/Sales	4.94	- -	- -	- -	- -	0.97	1.57	3.47	4.27	2.71	- -	- -	2.82	5.06	4.57
EV/EBITDA	229.47	- -	- -	- -	- -	13.97	23.78	64.07	86.87	51.63	- -	- -	51.89	108.6	76.19
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	17.01	- -	- -	- -	- -	3.26	5.18	10.75	14.16	11.81	- -	- -	7.86	17.02	16.18
EV/Free Cash Flow to Firm	16.35	- -	- -	- -	- -	2.85	4.14	8.38	12.69	9.91	- -	- -	7.74	16.32	15.23
Diluted Market Cap	78	80	81	134	147	131	161	154	139	208	148	142	168	151	229
Diluted Enterprise Value	168	157	142	195	225	228	217	299	379	330	91	57	382	511	498
EV per Share	29.17	- -	- -	- -	- -	7.18	11.76	26.95	34.76	23.58	- -	- -	26.61	45.03	41.57
TTM Sales	34	37	41	50	55	53	53	55	57	61	60	61	66	63	68
TTM EBITDA	1	1	1	2	3	4	4	3	3	3	3	4	4	3	4
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	10	16	14	17	19	16	16	18	17	14	22	18	24	19	19
TTM Free Cash Flow to Firm	10	17	15	22	22	18	20	23	19	17	25	19	24	20	21

Multiples (USD)

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	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
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
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	168	-113	-147	-94	-7	51	84	190	245	166	-71	-110	188	320	313
Low Price	17.6	20.67	23.8	24.92	28.01	26.35	23.17	25.41	25.69	23.23	18.72	21.13	21.6	20	17.01
EV/Sales	4.94	- -	- -	- -	- -	0.97	1.57	3.47	4.27	2.71	- -	- -	2.82	5.06	4.57
EV/EBITDA	229.47	- -	- -	- -	- -	13.97	23.78	64.07	86.87	51.63	- -	- -	51.89	108.6	76.19
Price/Earnings	7.15	6.48	5.86	9.49	10.05	9.43	12.94	15.8	9.44	12.26	9.72	8.84	9.65	9.1	12.91
Price/Earnings Average	5.7	5.92	6.02	8.08	9.14	9.54	10.63	14.78	9.94	9.78	8.77	8.74	8.42	9.44	9.35
Price/Earnings High	14.48	12.44	12.59	16.98	17.11	16.88	19.99	24.26	14.99	16.29	16.49	12.42	11.14	11.99	14.68
Price/Earnings Low	9.26	9.62	9.89	11.71	13.85	13.57	13.19	18.35	12.29	10.43	8.67	9.31	8.75	8.57	7.23
Price/Book Value	1.21	1.15	1.06	1.5	1.55	1.31	1.56	1.47	1.24	1.62	1.19	1.08	1.2	1	1.43
Price/Book Value Average	0.97	1.05	1.09	1.27	1.41	1.33	1.28	1.37	1.31	1.3	1.07	1.06	1.05	1.03	1.04
Price/Book Value High	2.45	2.2	2.28	2.68	2.64	2.35	2.41	2.26	1.98	2.16	2.01	1.51	1.38	1.31	1.63
Price/Book Value Low	1.57	1.7	1.79	1.85	2.13	1.89	1.59	1.71	1.62	1.38	1.06	1.13	1.09	0.94	0.8
Price/Tangible Book Value	1.23	1.04	0.9	1.23	1.25	1.11	1.35	1.29	1.11	1.4	1.01	0.92	1.11	0.86	1.21
Price/Tangible Book Value Average	0.98	0.95	0.92	1.04	1.14	1.12	1.11	1.21	1.17	1.12	0.91	0.91	0.97	0.9	0.88
Price/Tangible Book Value High	2.49	1.99	1.92	2.2	2.13	1.99	2.09	1.98	1.76	1.86	1.71	1.29	1.29	1.14	1.38
Price/Tangible Book Value Low	1.59	1.54	1.51	1.51	1.72	1.6	1.38	1.5	1.44	1.19	0.9	0.96	1.01	0.81	0.68
Price/Sales	2.3	2.17	1.98	2.67	2.66	2.47	3.03	2.82	2.42	3.14	2.45	2.31	2.53	2.39	3.34
Price/Sales Average	1.84	1.98	2.03	2.27	2.42	2.5	2.49	2.64	2.55	2.5	2.21	2.28	2.21	2.48	2.42
Price/Sales High	4.66	4.16	4.25	4.78	4.53	4.42	4.67	4.32	3.85	4.17	4.15	3.24	2.92	3.14	3.8
Price/Sales Low	2.98	3.22	3.34	3.29	3.67	3.55	3.08	3.27	3.16	2.67	2.18	2.43	2.29	2.25	1.87
Price/Cash Flow	7.93	4.86	5.82	7.71	7.84	8.33	10.02	8.72	8.03	13.68	6.72	7.91	7.04	8.03	11.83
Price/Cash Flow Average	6.32	4.44	5.97	6.56	7.12	8.43	8.23	8.17	8.47	10.91	6.06	7.82	6.14	8.33	8.57
Price/Cash Flow High	16.05	9.33	12.48	13.8	13.34	14.91	15.47	13.4	12.76	18.17	11.4	11.11	8.13	10.58	13.45
Price/Cash Flow Low	10.27	7.21	9.81	9.52	10.8	11.99	10.21	10.14	10.47	11.64	5.99	8.33	6.38	7.56	6.62
Price/Free Cash Flow Average	6.08	4.25	5.42	5.11	6.2	7.36	6.57	6.37	7.59	9.91	5.4	7.35	6.05	7.99	8.08
Price/Free Cash Flow High	15.42	8.92	11.34	10.75	11.6	13.02	12.36	10.45	11.44	16.5	10.16	10.44	8	10.15	12.68
Price/Free Cash Flow Low	9.86	6.9	8.91	7.41	9.4	10.47	8.16	7.9	9.38	10.56	5.35	7.83	6.28	7.25	6.24
EV/Sales Average	4.47	4.07	3.52	3.49	3.84	4.32	3.53	5.27	6.74	4.5	1.27	0.9	5.42	8.16	6.35
EV/Sales High	7.3	6.25	5.74	5.99	5.95	6.24	5.71	6.96	8.04	6.17	3.21	1.86	6.13	8.83	7.73
EV/Sales Low	5.62	5.3	4.83	4.51	5.09	5.37	4.13	5.91	7.35	4.67	1.24	1.05	5.5	7.93	5.8
EV/EBITDA Average	207.84	214.3	134.13	105.22	61.81	62.31	53.59	97.33	137.22	85.77	23.19	14.14	99.48	175.25	105.73
EV/EBITDA High	338.99	329.24	218.61	180.73	95.82	90.07	86.81	128.52	163.58	117.49	58.74	29.23	112.57	189.61	128.73
EV/EBITDA Low	261.02	279.5	183.98	136	81.93	77.55	62.68	109.07	149.49	88.94	22.76	16.46	101.06	170.31	96.56
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	13.59	13.93	14.11	20.2	20.33	18.3	22.73	21.87	19.72	27.3	20.98	20.07	23.82	21.26	30.39
High Price	27.51	26.73	30.28	36.15	34.59	32.78	35.1	33.59	31.33	36.27	35.59	28.19	27.5	28	34.56
Enterprise Value Average	152	150	144	175	212	229	188	289	386	276	77	55	360	517	435
Enterprise Value High	248	231	235	300	328	331	305	382	460	378	194	114	407	559	529
Enterprise Value Low	191	196	198	226	280	285	220	324	421	286	75	64	366	502	397

	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
Shares Outstanding	6	6	6	7	7	7	7	7	7	7	7	7	7	8	8
Diluted Weighted Avg Shares	6	6	6	7	7	7	7	7	7	8	7	7	7	7	8
Basic Weighted Avg Shares	6	6	6	7	7	7	7	7	7	7	7	7	7	7	8
Revenue per Share	5.9	6.42	7.12	7.57	7.63	7.42	7.51	7.77	8.14	8.7	8.57	8.69	9.42	8.91	9.09
EBITDA per Share	0.13	0.12	0.19	0.25	0.47	0.51	0.49	0.42	0.4	0.46	0.47	0.55	0.51	0.41	0.55
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 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
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
Cash Flow per Share	1.71	2.87	2.43	2.62	2.59	2.2	2.27	2.51	2.45	2	3.12	2.54	3.38	2.65	2.57
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
Cash & Equivalents per Share	1.65	49.35	52.89	47.33	34.9	27.79	24.94	19.25	28.57	28.02	53.32	53.85	33.15	32.11	28.33
Book Value per Share	11.22	12.14	13.29	13.49	13.12	13.93	14.55	14.89	15.86	16.82	17.69	18.65	19.86	21.34	21.25
Tangible Book Value per Share	11.06	13.46	15.75	16.46	16.25	16.48	16.8	16.95	17.81	19.46	20.78	21.91	21.37	24.59	25.04

Penns Woods Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)