Is Penns Woods Bancorp, Inc. overvalued or undervalued?

As of 2 July 2025, the valuation grade for Penns Woods Bancorp, Inc. has moved from very attractive to attractive, indicating a slight shift in its perceived value. The company appears to be undervalued, with a P/E ratio of 11, a Price to Book Value of 1.13, and a PEG Ratio of 0.29, which suggests it is trading at a discount relative to its growth potential. In comparison to peers, Community West Bancshares has a P/E of 15.19, while Colony Bankcorp, Inc. shows a P/E of 10.86, reinforcing the notion that Penns Woods is positioned favorably within its industry.
Despite recent stock performance lagging behind the S&P 500, with a 1Y return of 27.28% compared to the index's 17.14%, the long-term outlook remains promising, as evidenced by a 5Y return of 43.82% versus the S&P 500's 96.61%. This suggests that while short-term performance has been challenging, the company may still hold value for long-term investors.