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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 0.27
PWOD's Cash to Debt is ranked higher than
59% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.26 vs. PWOD: 0.27 )
PWOD' s 10-Year Cash to Debt Range
Min: 0.09   Max: No Debt
Current: 0.27

Equity to Asset 0.11
PWOD's Equity to Asset is ranked higher than
79% of the 1732 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. PWOD: 0.11 )
PWOD' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.14
Current: 0.11

0.09
0.14
Interest Coverage 3.33
PWOD's Interest Coverage is ranked higher than
85% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. PWOD: 3.33 )
PWOD' s 10-Year Interest Coverage Range
Min: 0.43   Max: 3.33
Current: 3.33

0.43
3.33
F-Score: 4
Z-Score: 0.28
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 : 8/10

vs
industry
vs
history
Operating margin (%) 31.40
PWOD's Operating margin (%) is ranked higher than
78% of the 1755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.45 vs. PWOD: 31.40 )
PWOD' s 10-Year Operating margin (%) Range
Min: -211.49   Max: 52.35
Current: 31.4

-211.49
52.35
Net-margin (%) 25.70
PWOD's Net-margin (%) is ranked higher than
82% of the 1762 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.29 vs. PWOD: 25.70 )
PWOD' s 10-Year Net-margin (%) Range
Min: 23.36   Max: 208.18
Current: 25.7

23.36
208.18
ROE (%) 10.07
PWOD's ROE (%) is ranked higher than
84% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. PWOD: 10.07 )
PWOD' s 10-Year ROE (%) Range
Min: 9.11   Max: 18.04
Current: 10.07

9.11
18.04
ROA (%) 1.12
PWOD's ROA (%) is ranked higher than
89% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. PWOD: 1.12 )
PWOD' s 10-Year ROA (%) Range
Min: 0.9   Max: 2.73
Current: 1.12

0.9
2.73
ROC (Joel Greenblatt) (%) 79.53
PWOD's ROC (Joel Greenblatt) (%) is ranked higher than
77% of the 1726 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 68.75 vs. PWOD: 79.53 )
PWOD' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -116.73   Max: 166.46
Current: 79.53

-116.73
166.46
Revenue Growth (%) 8.60
PWOD's Revenue Growth (%) is ranked higher than
90% of the 1536 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. PWOD: 8.60 )
PWOD' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 88.2
Current: 8.6

0
88.2
EBITDA Growth (%) 7.80
PWOD's EBITDA Growth (%) is ranked higher than
75% of the 1385 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. PWOD: 7.80 )
PWOD' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 41.5
Current: 7.8

0
41.5
EPS Growth (%) 3.80
PWOD's EPS Growth (%) is ranked higher than
69% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. PWOD: 3.80 )
PWOD' s 10-Year EPS Growth (%) Range
Min: -13.4   Max: 31.4
Current: 3.8

-13.4
31.4
» PWOD's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

PWOD Guru Trades in Q3 2013

Jim Simons 5,600 sh (-14.66%)
» More
Q4 2013

PWOD Guru Trades in Q4 2013

Jim Simons 9,100 sh (+62.5%)
» More
Q1 2014

PWOD Guru Trades in Q1 2014

Jim Simons 8,300 sh (-8.79%)
» More
Q2 2014

PWOD Guru Trades in Q2 2014

Jim Simons 9,888 sh (+19.13%)
» 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%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 16.10
PWOD's P/E(ttm) is ranked higher than
66% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. PWOD: 16.10 )
PWOD' s 10-Year P/E(ttm) Range
Min: 10.11   Max: 23.67
Current: 16.1

10.11
23.67
P/B 1.60
PWOD's P/B is ranked higher than
55% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. PWOD: 1.60 )
PWOD' s 10-Year P/B Range
Min: 1.49   Max: 2.43
Current: 1.6

1.49
2.43
P/S 4.10
PWOD's P/S is ranked higher than
58% of the 1711 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. PWOD: 4.10 )
PWOD' s 10-Year P/S Range
Min: 3.38   Max: 5.68
Current: 4.1

3.38
5.68
PFCF 15.90
PWOD's PFCF is ranked higher than
53% of the 982 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. PWOD: 15.90 )
PWOD' s 10-Year PFCF Range
Min: 8.6   Max: 39.11
Current: 15.9

8.6
39.11
EV-to-EBIT 16.04
PWOD's EV-to-EBIT is ranked higher than
75% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.25 vs. PWOD: 16.04 )
PWOD' s 10-Year EV-to-EBIT Range
Min: 12.6   Max: 46.8
Current: 16.04

12.6
46.8
PEG 0.64
PWOD's PEG is ranked higher than
93% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. PWOD: 0.64 )
PWOD' s 10-Year PEG Range
Min: 0.36   Max: 16.28
Current: 0.64

0.36
16.28
Shiller P/E 15.40
PWOD's Shiller P/E is ranked higher than
79% of the 1093 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.35 vs. PWOD: 15.40 )
PWOD' s 10-Year Shiller P/E Range
Min: 8.68   Max: 18.25
Current: 15.4

8.68
18.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.10
PWOD's Dividend Yield is ranked higher than
82% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.38 vs. PWOD: 4.10 )
PWOD' s 10-Year Dividend Yield Range
Min: 2.41   Max: 8
Current: 4.1

2.41
8
Dividend Payout 0.66
PWOD's Dividend Payout is ranked higher than
58% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.47 vs. PWOD: 0.66 )
PWOD' s 10-Year Dividend Payout Range
Min: 0.27   Max: 2.09
Current: 0.66

0.27
2.09
Dividend growth (3y) 0.70
PWOD's Dividend growth (3y) is ranked higher than
70% of the 1033 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. PWOD: 0.70 )
PWOD' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 22.9
Current: 0.7

0
22.9
Yield on cost (5-Year) 4.25
PWOD's Yield on cost (5-Year) is ranked higher than
71% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. PWOD: 4.25 )
PWOD' s 10-Year Yield on cost (5-Year) Range
Min: 2.5   Max: 8.28
Current: 4.25

2.5
8.28
Share Buyback Rate -4.80
PWOD's Share Buyback Rate is ranked higher than
65% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. PWOD: -4.80 )
PWOD' s 10-Year Share Buyback Rate Range
Min: 1.1   Max: -4.8
Current: -4.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.89
PWOD's Price/Tangible Book is ranked higher than
64% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. PWOD: 1.89 )
PWOD' s 10-Year Price/Tangible Book Range
Min: 1.53   Max: 2.41
Current: 1.89

1.53
2.41
Price/DCF (Projected) 0.83
PWOD's Price/DCF (Projected) is ranked higher than
61% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. PWOD: 0.83 )
PWOD' s 10-Year Price/DCF (Projected) Range
Min: 0.67   Max: 1.26
Current: 0.83

0.67
1.26
Price/Median PS Value 0.93
PWOD's Price/Median PS Value is ranked higher than
90% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. PWOD: 0.93 )
PWOD' s 10-Year Price/Median PS Value Range
Min: 0.74   Max: 4.76
Current: 0.93

0.74
4.76
Price/Peter Lynch Fair Value 0.71
PWOD's Price/Peter Lynch Fair Value is ranked higher than
94% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. PWOD: 0.71 )
PWOD' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.45   Max: 2.6
Current: 0.71

0.45
2.6
Price/Graham Number 1.17
PWOD's Price/Graham Number is ranked higher than
59% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. PWOD: 1.17 )
PWOD' s 10-Year Price/Graham Number Range
Min: 0.85   Max: 2.3
Current: 1.17

0.85
2.3
Earnings Yield (Greenblatt) 6.20
PWOD's Earnings Yield (Greenblatt) is ranked higher than
68% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. PWOD: 6.20 )
PWOD' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.1   Max: 8
Current: 6.2

2.1
8
Forward Rate of Return (Yacktman) 27.67
PWOD's Forward Rate of Return (Yacktman) is ranked higher than
84% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.46 vs. PWOD: 27.67 )
PWOD' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -12.9   Max: 40.3
Current: 27.67

-12.9
40.3

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 mainly of managing and supervising the bank, and its main source of income has been dividends paid by the bank and Woods Investment Company, Inc. The bank is engaged in a full-service commercial banking business, making available to the community a range of 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. Utilizing a thirteen branch office network, ATMs, internet, and telephone banking delivery channels, the Bank delivers its products and services to the communities it resides in. 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. Woods Investment Company, Inc., a Delaware holding company, maintains an investment portfolio that is managed for total return and to fund dividend payments to the Company. Woods Real Estate Development Company, Inc. serves the company through its acquisition and ownership of certain properties utilized by the Bank. The banking environment in Lycoming, Clinton, and Centre Counties, Pennsylvania is highly competitive. The Bank operates thirteen 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 (the "BHCA") and to supervision and examination by the Board of Governors of the Federal Reserve System (the "FRB"). The Bank is also subject to the supervision and examination by the Federal Deposit Insurance Corporation (the "FDIC").
» 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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