Penns Woods Bancorp (Penns Woods Bancorp) Risk Assessment

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What is Penns Woods Bancorp Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Penns Woods Bancorp is: High Risk: High uncertainty with risk-return tradeoff.

Competitive Comparison of Penns Woods Bancorp's Risk Assessment

For the Banks - Regional subindustry, Penns Woods Bancorp's Risk Assessment, along with its competitors' market caps and Risk Assessment data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Penns Woods Bancorp's Risk Assessment Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Penns Woods Bancorp's Risk Assessment distribution charts can be found below:

* The bar in red indicates where Penns Woods Bancorp's Risk Assessment falls into.

Penns Woods Bancorp (NAS:PWOD) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Penns Woods Bancorp Risk Assessment Related Terms

Thank you for viewing the detailed overview of Penns Woods Bancorp's Risk Assessment provided by GuruFocus.com. Please click on the following links to see related term pages.

Penns Woods Bancorp (Penns Woods Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Penns Woods Bancorp Inc (NAS:PWOD) » Definitions » Risk Assessment

Comparable Companies

Traded in Other Exchanges

N/A

Address

300 Market Street, P.O. Box 967, Williamsport, PA, USA, 17703-0967

Website

https://www.pwod.com

Penns Woods Bancorp Inc is the bank holding company for Jersey Shore State Bank and Luzerne Bank. The banks serve customers in North Central and North Eastern Pennsylvania through their retail banking, commercial banking, mortgage services and financial services divisions. The Banks are engaged in commercial and retail banking which includes the acceptance of time, savings, and demand deposits, the funding of commercial, consumer, and mortgage loans, and safe deposit services. Utilizing a branch office network, ATMs, Internet, and telephone banking delivery channels, the Banks deliver their products and services to the communities residing in.

Executives

Charles E. Kranich	director	1025 GREENBRIAR DRIVE, STATE COLLEGE PA 16801-6936
William Edwards	director	885 SHADE HOLLOW ROAD, MILL HALL PA 17751
Cameron Kephart	director	300 MARKET STREET, P.O. BOX 967, WILLIAMSPORT PA 17703
Daniel K. Brewer	director	23 LONG VIEW DRIVE, BLOOMSBURG PA 17815
Richard A Grafmyre	director, officer: President and CEO	115 SKYWARD DRIVE, DANVILLE PA 17821
Brian L Knepp	officer: VP of Finance/Asst. Secretary	ONE STRAWBERRY LANE, MIDDLEBURG PA 17842
Jack W. Jones	officer: CBO	300 MARKET STREET, P. O. BOX 967, WILLIAMSPORT PA 17703
Robert Neher	officer: President Luzerne Bank	300 MARKET STREET, P.O. BOX 967, WILLIAMSPORT PA 17703
Furey James M Ii	director	299 LEHMAN DRIVE, COGAN STATION PA 17728
Nackley John G Sr	director	559 LAKESIDE DRIVE, HARVEYS LAKE PA 18618
Joseph E Kluger	director	1768 PENNS CROSSING, ALLENTOWN PA 18104
D Michael Hawbaker	director	502 STONECLIFFE PLACE, PORT MATILDA PA 16870
Jill Fortinsky Schwartz	director	857 NANDY DRIVE, KINGSTON PA 18704
Michelle M Karas	officer: Chief Operating Officer	C/O PENNS WOODS BANCORP, INC., 300 MARKET STREET, WILLIAMSPORT PA 17703
Robert Q. Miller	director	534 MUNRO ROAD, MILL HALL PA 17751