PWOD · Penns Woods Bancorp Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $9.08M | - | $5.85M | $6.72M | $4.45M | - | $2.66M | $5.16M | $5.59M | - |
| Interest Expense | - | - | - | - | $12.48M | - | $10.59M | $8.51M | $5.57M | - |
| Income Tax | $1.72M | - | $1.05M | $1.33M | $639.0K | - | $439.0K | $988.0K | $928.0K | - |
| Net Income | $7.37M | - | $4.80M | $5.39M | $3.81M | - | $2.22M | $4.17M | $4.66M | - |
| EPS - Basic | $0.97 | - | $0.64 | $0.72 | $0.51 | - | $0.31 | $0.59 | $0.66 | - |
| EPS - Diluted | $0.95 | - | $0.64 | $0.72 | $0.51 | - | $0.31 | $0.59 | $0.64 | - |
Balance Sheet
| Line item | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $37.45M | $28.97M | $39.69M | $35.10M | $32.54M | $37.46M | $35.59M | $44.86M | $41.65M | $40.33M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $2.25B | $2.23B | $2.26B | $2.23B | $2.21B | $2.20B | $2.18B | $2.14B | $2.07B | $2.00B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $2.04B | $2.03B | $2.06B | $2.04B | $2.02B | $2.01B | $2.00B | $1.96B | $1.89B | $1.83B |
| Stockholders' Equity | $212.02M | $205.23M | $203.69M | $197.09M | $193.52M | $191.56M | $174.54M | $174.40M | $173.97M | $167.66M |
| Retained Earnings | $120.26M | $115.33M | $114.01M | $111.62M | $108.64M | $107.24M | $104.07M | $104.10M | $102.19M | $98.15M |
Cash Flow
| Line item | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $63.0K | - | - | - | $2.27M | - | - | - | $11.11M | - |
| Investing Cash Flow | ($8.01M) | - | - | - | ($9.39M) | - | - | - | ($63.70M) | - |
| Financing Cash Flow | $16.42M | - | - | - | $2.20M | - | - | - | $53.91M | - |
| CapEx | $77.0K | - | - | - | $249.0K | - | - | - | $255.0K | - |
| Free Cash Flow | ($14.0K) | - | - | - | $2.02M | - | - | - | $10.85M | - |
Ratios
| Metric | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | -0.00 | - | - | - | 0.53 | - | - | - | 2.33 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 18.9% | - | 18.0% | 19.8% | 14.4% | - | 16.5% | 19.2% | 16.6% | - |
| Return on assets | 0.3% | - | 0.2% | 0.2% | 0.2% | - | 0.1% | 0.2% | 0.2% | - |
| Return on equity | 3.5% | - | 2.4% | 2.7% | 2.0% | - | 1.3% | 2.4% | 2.7% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | 0.4x | - | 0.3x | 0.6x | 1.0x | - |
| Equity multiplier | 10.62 | 10.88 | 11.09 | 11.34 | 11.42 | 11.51 | 12.47 | 12.24 | 11.87 | 11.93 |
| Liabilities / Assets | 0.91 | 0.91 | 0.91 | 0.91 | 0.91 | 0.91 | 0.92 | 0.92 | 0.92 | 0.92 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | - | - | - | - | - | - | - | - | - | - |
| P / B | - | - | - | - | - | - | - | - | - | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 104.3% | - | 119.8% | 30.3% | -20.4% | - | -58.6% | -1.4% | 36.0% | - |
| Net income growth (YoY) | 93.5% | - | 115.9% | 29.2% | -18.2% | - | -57.6% | -1.4% | 35.7% | - |
| EPS growth (YoY) | 86.3% | - | 106.5% | 22.0% | -20.3% | - | -58.1% | -1.7% | 30.6% | - |
| EPS CAGR (3y) | 24.7% | - | 3.3% | 12.2% | 1.3% | - | -21.1% | 3.6% | 14.2% | - |
| EPS CAGR (5y) | 17.2% | - | -0.6% | -4.6% | -9.5% | - | -17.7% | -4.4% | -1.2% | - |
| FCF growth (YoY) | - | - | - | - | -81.4% | - | - | - | 55.1% | - |
| FCF CAGR (5y) | - | - | - | - | -9.4% | - | - | - | - | - |
| Book value growth (YoY) | 9.6% | 7.1% | 16.7% | 13.0% | 11.2% | 14.2% | 6.1% | 5.0% | 3.3% | -2.7% |
Peer comparison
Same SIC group: State Commercial Banks
Comparing PENNS WOODS BANCORP INC against the 5 most active filers in the same SIC group.