PWOD (Penns Woods Bancorp) Cash-to-Debt : 0.10 (As of Dec. 2024)

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What is Penns Woods Bancorp Cash-to-Debt?

Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Penns Woods Bancorp's cash to debt ratio for the quarter that ended in Dec. 2024 was 0.10.

If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Penns Woods Bancorp couldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2024.

The historical rank and industry rank for Penns Woods Bancorp's Cash-to-Debt or its related term are showing as below:

PWOD' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.09 Med: 0.23 Max: 1.66
Current: 0.1

During the past 13 years, Penns Woods Bancorp's highest Cash to Debt Ratio was 1.66. The lowest was 0.09. And the median was 0.23.

PWOD's Cash-to-Debt is ranked worse than
94.02% of 1505 companies
in the Banks industry
Industry Median: 1.35 vs PWOD: 0.10

Penns Woods Bancorp Cash-to-Debt Historical Data

The historical data trend for Penns Woods Bancorp's Cash-to-Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

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Penns Woods Bancorp Cash-to-Debt Chart

Penns Woods Bancorp Annual Data

Trend

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Cash-to-Debt

Get a 7-Day Free Trial

1.36

1.66

0.16

0.09

0.10

Penns Woods Bancorp Quarterly Data
	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24
Cash-to-Debt	Get a 7-Day Free Trial															0.09	0.10	0.12	0.15	0.10

Competitive Comparison of Penns Woods Bancorp's Cash-to-Debt

For the Banks - Regional subindustry, Penns Woods Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Penns Woods Bancorp's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where Penns Woods Bancorp's Cash-to-Debt falls into.

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Penns Woods Bancorp Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

Penns Woods Bancorp's Cash to Debt Ratio for the fiscal year that ended in Dec. 2024 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	28.972	/	(40.266	+	257.477)
	=	0.10

Penns Woods Bancorp's Cash to Debt Ratio for the quarter that ended in Dec. 2024 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	28.972	/	(40.266	+	257.477)
	=	0.10

Penns Woods Bancorp (NAS:PWOD) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

Penns Woods Bancorp Cash-to-Debt Related Terms

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

Penns Woods Bancorp Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Penns Woods Bancorp Inc (NAS:PWOD) » Definitions » Cash-to-Debt

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
Aron M Carter	officer: Senior Vice President	4 N. SCENIC DRIVE, ELYSBURG PA 17824
Casale Michael J Jr	director	1761 MALVIN PLACE, WILLIAMSPORT PA 17701
Nestlerode R Edward Jr	director	1445 WEST CARDINAL DRIVE, LOCK HAVEN PA 17745
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
Michelle M Karas	officer: Chief Operating Officer	C/O PENNS WOODS BANCORP, INC., 300 MARKET STREET, WILLIAMSPORT PA 17703
Cameron Kephart	director	300 MARKET STREET, P.O. BOX 967, WILLIAMSPORT PA 17703
William Edwards	director	885 SHADE HOLLOW ROAD, MILL HALL PA 17751
Daniel K. Brewer	director	23 LONG VIEW DRIVE, BLOOMSBURG PA 17815
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