ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Penns Woods Bancorp, Inc. ?
1
The company declared positive results in Mar'25 after flat results in Dec'24
- NII(Q) Highest at USD 16.14 MM
- ROCE(HY) Highest at 0.95%
- NET SALES(Q) Highest at USD 28.38 MM
2
With ROA of 0.68%, it has a attractive valuation with a 1.13 Price to Book Value
- Over the past year, while the stock has generated a return of 27.28%, its profits have risen by 44.4% ; the PEG ratio of the company is 0.3
3
High Institutional Holdings at 34.57%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.69% over the previous quarter.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Penns Woods Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Penns Woods Bancorp, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Penns Woods Bancorp, Inc.
27.28%
1.64
29.75%
S&P 500
13.22%
0.92
20.03%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.96%
EBIT Growth (5y)
5.32%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
54.43%
Pledged Shares
0
Institutional Holding
34.57%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.13
EV to EBIT
19.11
EV to EBITDA
16.32
EV to Capital Employed
1.06
EV to Sales
4.14
PEG Ratio
0.29
Dividend Yield
3.41%
ROCE (Latest)
5.56%
ROE (Latest)
10.73%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bearish
No Trend
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend22What is working for the Company
NII(Q)
Highest at USD 16.14 MM
ROCE(HY)
Highest at 0.95%
NET SALES(Q)
Highest at USD 28.38 MM
GROSS NPA (%)
(Q
OPERATING PROFIT(Q)
Highest at USD 9.85 MM
OPERATING PROFIT MARGIN(Q)
Highest at 34.72 %
PRE-TAX PROFIT(Q)
Highest at USD 10.18 MM
NET PROFIT(Q)
Highest at USD 8.25 MM
EPS(Q)
Highest at USD 0.95
-3What is not working for the Company
ROCE(HY)
Lowest at 0.95%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 33.57%
Here's what is working for Penns Woods Bancorp, Inc.
NII
Highest at USD 16.14 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA (%)
Net Sales
Highest at USD 28.38 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Pre-Tax Profit
At USD 10.18 MM has Grown at 79.88%
over average net sales of the previous four periods of USD 5.66 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 8.25 MM has Grown at 80.36%
over average net sales of the previous four periods of USD 4.58 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Non Performing Loans (%)
Lowest at 0.31%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Profit
Highest at USD 9.85 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 34.72 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 10.18 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 8.25 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.95
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Depreciation
Highest at USD 1.09 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
CASA
Highest at 10.59%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Penns Woods Bancorp, Inc.
Dividend Payout Ratio
Lowest at 33.57%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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