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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.19
PWOD's Cash to Debt is ranked lower than
85% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. PWOD: 0.19 )
Ranked among companies with meaningful Cash to Debt only.
PWOD' s 10-Year Cash to Debt Range
Min: 0.09  Med: 0.18 Max: N/A
Current: 0.19
Equity to Asset 0.11
PWOD's Equity to Asset is ranked higher than
57% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PWOD: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
PWOD' s 10-Year Equity to Asset Range
Min: 0.09  Med: 0.11 Max: 0.14
Current: 0.11
0.09
0.14
Interest Coverage 3.71
PWOD's Interest Coverage is ranked higher than
73% of the 1239 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. PWOD: 3.71 )
Ranked among companies with meaningful Interest Coverage only.
PWOD' s 10-Year Interest Coverage Range
Min: 0.43  Med: 1.25 Max: 3.71
Current: 3.71
0.43
3.71
F-Score: 4
WACC vs ROIC
8.88%
6.95%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 33.40
PWOD's Operating margin (%) is ranked higher than
59% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. PWOD: 33.40 )
Ranked among companies with meaningful Operating margin (%) only.
PWOD' s 10-Year Operating margin (%) Range
Min: -211.49  Med: 36.26 Max: 52.35
Current: 33.4
-211.49
52.35
Net-margin (%) 26.25
PWOD's Net-margin (%) is ranked higher than
65% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. PWOD: 26.25 )
Ranked among companies with meaningful Net-margin (%) only.
PWOD' s 10-Year Net-margin (%) Range
Min: 23.36  Med: 36.39 Max: 208.18
Current: 26.25
23.36
208.18
ROE (%) 10.69
PWOD's ROE (%) is ranked higher than
68% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.16 vs. PWOD: 10.69 )
Ranked among companies with meaningful ROE (%) only.
PWOD' s 10-Year ROE (%) Range
Min: 9.52  Med: 14.82 Max: 20.26
Current: 10.69
9.52
20.26
ROA (%) 1.17
PWOD's ROA (%) is ranked higher than
71% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. PWOD: 1.17 )
Ranked among companies with meaningful ROA (%) only.
PWOD' s 10-Year ROA (%) Range
Min: 0.92  Med: 1.71 Max: 2.85
Current: 1.17
0.92
2.85
ROC (Joel Greenblatt) (%) 68.49
PWOD's ROC (Joel Greenblatt) (%) is ranked lower than
53% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.24 vs. PWOD: 68.49 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
PWOD' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -220.45  Med: 40.62 Max: 144.33
Current: 68.49
-220.45
144.33
Revenue Growth (3Y)(%) 5.90
PWOD's Revenue Growth (3Y)(%) is ranked higher than
68% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. PWOD: 5.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PWOD' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 8.50 Max: 88.2
Current: 5.9
0
88.2
EBITDA Growth (3Y)(%) 5.10
PWOD's EBITDA Growth (3Y)(%) is ranked lower than
57% of the 1035 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. PWOD: 5.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PWOD' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 5.10 Max: 41.5
Current: 5.1
0
41.5
EPS Growth (3Y)(%) -2.00
PWOD's EPS Growth (3Y)(%) is ranked lower than
75% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. PWOD: -2.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PWOD' s 10-Year EPS Growth (3Y)(%) Range
Min: -13.4  Med: 6.90 Max: 31.4
Current: -2
-13.4
31.4
» PWOD's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

PWOD Guru Trades in Q2 2014

Jim Simons 9,888 sh (+19.13%)
» More
Q3 2014

PWOD Guru Trades in Q3 2014

Jim Simons 11,600 sh (+17.31%)
» More
Q4 2014

PWOD Guru Trades in Q4 2014

Jim Simons 14,901 sh (+28.46%)
» More
Q1 2015

PWOD Guru Trades in Q1 2015

Jim Simons 16,800 sh (+12.74%)
» More
» Details

Insider Trades

Latest Guru Trades with PWOD

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.38
PWOD's P/E(ttm) is ranked lower than
55% of the 1251 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. PWOD: 14.38 )
Ranked among companies with meaningful P/E(ttm) only.
PWOD' s 10-Year P/E(ttm) Range
Min: 10.11  Med: 14.08 Max: 23.67
Current: 14.38
10.11
23.67
Forward P/E 12.44
PWOD's Forward P/E is ranked lower than
53% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. PWOD: 12.44 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.60
PWOD's PE(NRI) is ranked lower than
55% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. PWOD: 14.60 )
Ranked among companies with meaningful PE(NRI) only.
PWOD' s 10-Year PE(NRI) Range
Min: 10.12  Med: 14.10 Max: 23.66
Current: 14.6
10.12
23.66
P/B 1.52
PWOD's P/B is ranked lower than
77% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. PWOD: 1.52 )
Ranked among companies with meaningful P/B only.
PWOD' s 10-Year P/B Range
Min: 1.49  Med: 1.81 Max: 2.32
Current: 1.52
1.49
2.32
P/S 3.77
PWOD's P/S is ranked lower than
67% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. PWOD: 3.77 )
Ranked among companies with meaningful P/S only.
PWOD' s 10-Year P/S Range
Min: 3.38  Med: 4.26 Max: 5.64
Current: 3.77
3.38
5.64
PFCF 12.71
PWOD's PFCF is ranked lower than
57% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.27 vs. PWOD: 12.71 )
Ranked among companies with meaningful PFCF only.
PWOD' s 10-Year PFCF Range
Min: 8.6  Med: 16.76 Max: 39.11
Current: 12.71
8.6
39.11
POCF 11.12
PWOD's POCF is ranked lower than
58% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. PWOD: 11.12 )
Ranked among companies with meaningful POCF only.
PWOD' s 10-Year POCF Range
Min: 8.33  Med: 14.18 Max: 30.12
Current: 11.12
8.33
30.12
EV-to-EBIT 16.38
PWOD's EV-to-EBIT is ranked lower than
61% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.99 vs. PWOD: 16.38 )
Ranked among companies with meaningful EV-to-EBIT only.
PWOD' s 10-Year EV-to-EBIT Range
Min: 12.6  Med: 17.75 Max: 46.8
Current: 16.38
12.6
46.8
PEG 0.76
PWOD's PEG is ranked higher than
65% of the 575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. PWOD: 0.76 )
Ranked among companies with meaningful PEG only.
PWOD' s 10-Year PEG Range
Min: 0.38  Med: 0.72 Max: 16.28
Current: 0.76
0.38
16.28
Shiller P/E 13.77
PWOD's Shiller P/E is ranked higher than
64% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.76 vs. PWOD: 13.77 )
Ranked among companies with meaningful Shiller P/E only.
PWOD' s 10-Year Shiller P/E Range
Min: 8.68  Med: 14.39 Max: 18.18
Current: 13.77
8.68
18.18
Days Sales Outstanding 28.59
PWOD's Days Sales Outstanding is ranked higher than
60% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.98 vs. PWOD: 28.59 )
Ranked among companies with meaningful Days Sales Outstanding only.
PWOD' s 10-Year Days Sales Outstanding Range
Min: 25.89  Med: 40.47 Max: 249.33
Current: 28.59
25.89
249.33

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.36
PWOD's Dividend Yield is ranked higher than
78% of the 2204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. PWOD: 4.36 )
Ranked among companies with meaningful Dividend Yield only.
PWOD' s 10-Year Dividend Yield Range
Min: 2.8  Med: 4.73 Max: 8
Current: 4.36
2.8
8
Dividend Payout 0.62
PWOD's Dividend Payout is ranked lower than
84% of the 1287 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. PWOD: 0.62 )
Ranked among companies with meaningful Dividend Payout only.
PWOD' s 10-Year Dividend Payout Range
Min: 0.27  Med: 0.56 Max: 2.09
Current: 0.62
0.27
2.09
Dividend growth (3y) 0.70
PWOD's Dividend growth (3y) is ranked lower than
73% of the 657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. PWOD: 0.70 )
Ranked among companies with meaningful Dividend growth (3y) only.
PWOD' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.70 Max: 22.9
Current: 0.7
0
22.9
Yield on cost (5-Year) 4.49
PWOD's Yield on cost (5-Year) is ranked higher than
67% of the 2195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. PWOD: 4.49 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PWOD' s 10-Year Yield on cost (5-Year) Range
Min: 2.89  Med: 4.87 Max: 8.24
Current: 4.49
2.89
8.24
Share Buyback Rate -7.90
PWOD's Share Buyback Rate is ranked lower than
73% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. PWOD: -7.90 )
Ranked among companies with meaningful Share Buyback Rate only.
PWOD' s 10-Year Share Buyback Rate Range
Min: 1.1  Med: 0.30 Max: -7.9
Current: -7.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.75
PWOD's Price/Tangible Book is ranked lower than
77% of the 1328 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. PWOD: 1.75 )
Ranked among companies with meaningful Price/Tangible Book only.
PWOD' s 10-Year Price/Tangible Book Range
Min: 1.53  Med: 1.95 Max: 2.41
Current: 1.75
1.53
2.41
Price/Projected FCF 0.74
PWOD's Price/Projected FCF is ranked lower than
57% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. PWOD: 0.74 )
Ranked among companies with meaningful Price/Projected FCF only.
PWOD' s 10-Year Price/Projected FCF Range
Min: 0.68  Med: 1.00 Max: 1.42
Current: 0.74
0.68
1.42
Price/Median PS Value 0.89
PWOD's Price/Median PS Value is ranked higher than
77% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. PWOD: 0.89 )
Ranked among companies with meaningful Price/Median PS Value only.
PWOD' s 10-Year Price/Median PS Value Range
Min: 0.78  Med: 1.11 Max: 5
Current: 0.89
0.78
5
Price/Peter Lynch Fair Value 1.33
PWOD's Price/Peter Lynch Fair Value is ranked lower than
70% of the 358 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. PWOD: 1.33 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
PWOD' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.45  Med: 0.77 Max: 2.6
Current: 1.33
0.45
2.6
Price/Graham Number 1.06
PWOD's Price/Graham Number is ranked lower than
68% of the 1155 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. PWOD: 1.06 )
Ranked among companies with meaningful Price/Graham Number only.
PWOD' s 10-Year Price/Graham Number Range
Min: 0.85  Med: 1.13 Max: 2.3
Current: 1.06
0.85
2.3
Earnings Yield (Greenblatt) (%) 6.07
PWOD's Earnings Yield (Greenblatt) (%) is ranked lower than
55% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. PWOD: 6.07 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PWOD' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.1  Med: 5.60 Max: 8
Current: 6.07
2.1
8
Forward Rate of Return (Yacktman) (%) 17.96
PWOD's Forward Rate of Return (Yacktman) (%) is ranked higher than
61% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. PWOD: 17.96 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PWOD' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -14.6  Med: 14.90 Max: 40.2
Current: 17.96
-14.6
40.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Penns Woods Bancorp Inc was incorporated under the laws of the Commonwealth of Pennsylvania as a bank holding company on January 7, 1983. The Company's business consists of managing and supervising the bank subsidiaries. The Company, through its subsidiaries is engaged in a full-service commercial banking business, making available to the community financial services including installment loans, credit cards, mortgage and home equity loans, lines of credit, construction financing, farm loans, community development loans, loans to non-profit entities and local government, and various types of time and demand deposits including checking accounts, savings accounts, clubs, money market deposit accounts, certificates of deposit, and IRAs. The M Group, which operates as a subsidiary of the bank, offers insurance and securities brokerage services. Securities are offered by The M Group through ING Financial Partners, Inc., a registered broker-dealer. The Company's subsidiaries operates twenty-two full service offices in these markets and competes for loans and deposits with numerous commercial banks, savings and loan associations, and other financial institutions. The Company's competitors includes commercial banks, savings and loan associations, mutual savings banks, credit unions, consumer finance companies, factoring companies, leasing companies, insurance companies and money market mutual funds. The Company is subject to the provisions of the Bank Holding Company Act of 1956, as amended and to supervision and examination by the Board of Governors of the Federal Reserve System. The Company is also subject to the supervision and examination by the Federal Deposit Insurance Corporation.
» More Articles for PWOD

Headlines

Articles On GuruFocus.com
comment on PWOD May 16 2013 
comment on PWOD May 15 2013 
Penns Woods Bancorp Inc. Reports Operating Results (10-K) Mar 10 2011 
Penns Woods Bancorp, Inc. Reports Fourth Quarter 2008 Earnings Jan 22 2009 

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