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Upturn AI SWOT - About
Penns Woods Bancorp Inc (PWOD)
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Upturn Advisory Summary
03/27/2025: PWOD (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 29.34% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 225.43M USD | Price to earnings Ratio 11.3 | 1Y Target Price - |
Price to earnings Ratio 11.3 | 1Y Target Price - | ||
Volume (30-day avg) 14313 | Beta 0.46 | 52 Weeks Range 16.15 - 33.96 | Updated Date 03/23/2025 |
52 Weeks Range 16.15 - 33.96 | Updated Date 03/23/2025 | ||
Dividends yield (FY) 4.29% | Basic EPS (TTM) 2.64 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.73% | Operating Margin (TTM) 38.97% |
Management Effectiveness
Return on Assets (TTM) 0.88% | Return on Equity (TTM) 10.34% |
Valuation
Trailing PE 11.3 | Forward PE - | Enterprise Value 519480928 | Price to Sales(TTM) 3.17 |
Enterprise Value 519480928 | Price to Sales(TTM) 3.17 | ||
Enterprise Value to Revenue 7.51 | Enterprise Value to EBITDA - | Shares Outstanding 7554490 | Shares Floating 7121994 |
Shares Outstanding 7554490 | Shares Floating 7121994 | ||
Percent Insiders 4.06 | Percent Institutions 24.77 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Penns Woods Bancorp Inc
Company Overview
History and Background
Penns Woods Bancorp, Inc. was founded in 1954. It operates as the bank holding company for Jersey Shore State Bank, providing financial services to individuals, businesses, and municipalities. Over the years, it has expanded its presence in central Pennsylvania through organic growth and strategic acquisitions.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses.
- Retail Banking: Offers checking and savings accounts, mortgages, and other consumer financial products.
- Wealth Management: Provides investment management, trust, and financial planning services.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes various departments such as lending, retail banking, and wealth management, each headed by experienced professionals.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. Market share data is difficult to ascertain exactly but regionally important. Competitors: Fulton Financial, M&T Bank, PNC.
- Residential Mortgages: Mortgages for home purchases. Market share data is difficult to ascertain exactly but regionally important. Competitors: Fulton Financial, M&T Bank, PNC.
- Deposit Accounts: Checking, savings, and money market accounts. Market share data is difficult to ascertain exactly but regionally important. Competitors: Fulton Financial, M&T Bank, PNC.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Regional banks are consolidating to improve efficiency and scale.
Positioning
Penns Woods Bancorp Inc is a regional bank focused on serving customers in central Pennsylvania. It aims to provide personalized service and build long-term relationships. Its competitive advantage lies in its local market knowledge and strong customer relationships.
Total Addressable Market (TAM)
The TAM for regional banking services in central Pennsylvania is estimated to be in the billions of dollars. Penns Woods Bancorp Inc is well positioned to capture a share of this market due to its established presence and customer base.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Diversified revenue streams
- Strong customer relationships
Weaknesses
- Limited geographic reach
- Smaller size compared to larger banks
- Exposure to interest rate risk
- Reliance on traditional banking services
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Increased demand for wealth management services
- Acquisition of smaller banks
Threats
- Increased competition from larger banks
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- FULT
- MTB
- PNC
Competitive Landscape
Penns Woods Bancorp Inc competes with larger regional and national banks. Its advantages include local market knowledge and personalized service. Its disadvantages include limited scale and resources.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Penns Woods Bancorp Inc has experienced steady growth in assets and earnings over the past several years.
Future Projections: Analysts predict continued growth in earnings per share over the next few years.
Recent Initiatives: Penns Woods Bancorp Inc has been investing in technology and expanding its wealth management services.
Summary
Penns Woods Bancorp Inc is a well-managed regional bank with a strong presence in central Pennsylvania. The bank's local focus and strong customer relationships support its business model. Challenges include competition from larger banks and sensitivity to interest rate changes. Investment in technology and new services is critical for future success.
Similar Companies
- FULT
- MTB
- PNC
- CMA
Sources and Disclaimers
Data Sources:
- Company reports, analyst estimates, and market research reports.
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Penns Woods Bancorp Inc
Exchange NASDAQ | Headquaters Williamsport, PA, United States | ||
IPO Launch date 1996-05-30 | CEO & Director Mr. Richard Allen Grafmyre CFP | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 311 | Website https://www.pwod.com |
Full time employees 311 | Website https://www.pwod.com | ||
Penns Woods Bancorp, Inc. operates as the bank holding company for Jersey Shore State Bank, which provides commercial and retail banking services to individuals, partnerships, non-profit organizations, and corporations. It accepts time, demand, and savings deposits, including super NOW accounts, statement savings accounts, money market accounts, and certificates of deposit, as well as checking and individual retirement account (IRAs) accounts. The company also offers loan products comprising residential, commercial, and construction real estate loans; agricultural loans for the purchase or improvement of real estate; commercial loans for the acquisition and improvement of real estate, purchase of equipment, and working capital purposes; letters of credit; consumer loans, such as construction and residential mortgages, home equity loans and lines, automobile financing, personal loans and lines of credit, and overdraft and check lines; and revolving credit loans with overdraft protection. In addition, it provides securities brokerage and financial planning services, which include the sale of life insurance products, annuities, and estate planning services; property and casualty, and auto insurance products; safe deposit services; ATM services; and Internet and telephone banking services. Further, the company engages in real estate transactions and investment activities. It operates through a network of offices located in Clinton, Lycoming, Centre, Montour, Union, Blair, and Luzerne Counties, Pennsylvania. Penns Woods Bancorp, Inc. was founded in 1934 and is headquartered in Williamsport, Pennsylvania.
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