See more : Pinnacle Bankshares Corporation (PPBN) Income Statement Analysis – Financial Results
Complete financial analysis of Penns Woods Bancorp, Inc. (PWOD) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Penns Woods Bancorp, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.
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Penns Woods Bancorp, Inc. (PWOD)
About Penns Woods Bancorp, Inc.
Penns Woods Bancorp, Inc. operates as the bank holding company for Jersey Shore State Bank and Luzerne 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 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 twenty-seven offices located in Clinton, Lycoming, Centre, Montour, Union, Blair, and Luzerne Counties, Pennsylvania. The company was founded in 1907 and is headquartered in Williamsport, Pennsylvania.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 63.34M | 66.49M | 61.39M | 60.39M | 61.27M | 57.27M | 54.22M | 53.36M | 53.67M | 55.15M | 50.08M | 41.00M | 36.94M | 33.95M | 26.08M | 26.73M | 26.98M | 28.57M | 29.95M | 30.13M | 28.42M | 23.71M | 20.54M | 18.03M | 19.00M | 3.63M | 6.06M | 2.57M | 2.52M |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 3.31M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 63.34M | 66.49M | 61.39M | 60.39M | 61.27M | 57.27M | 54.22M | 53.36M | 53.67M | 55.15M | 50.08M | 41.00M | 36.94M | 33.95M | 26.08M | 26.73M | 26.98M | 28.57M | 29.95M | 30.13M | 25.11M | 23.71M | 20.54M | 18.03M | 19.00M | 3.63M | 6.06M | 2.57M | 2.52M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 88.36% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 26.64M | 25.21M | 23.98M | 22.57M | 22.41M | 21.97M | 19.67M | 18.58M | 17.89M | 18.02M | 16.01M | 12.23M | 11.00M | 10.21M | 10.19M | 9.63M | 9.08M | 8.83M | 8.31M | 7.94M | 7.26M | 6.94M | 5.31M | 5.00M | 4.90M | 4.23M | 4.12M | 3.64M | 4.01M |
| Selling & Marketing | 684.00K | 690.00K | 545.00K | 261.00K | 425.00K | 767.00K | 958.00K | 740.00K | 612.00K | 532.00K | 517.00K | 516.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 344.00K | 388.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 27.32M | 25.90M | 24.52M | 22.83M | 22.83M | 22.74M | 20.63M | 19.32M | 18.50M | 18.55M | 16.53M | 12.23M | 11.00M | 10.21M | 10.19M | 9.63M | 9.08M | 8.83M | 8.31M | 8.28M | 7.65M | 6.94M | 5.31M | 5.00M | 4.90M | 4.23M | 4.12M | 3.64M | 4.01M |
| Other Expenses | 36.02M | -22.77M | -66.08M | -64.54M | -65.29M | -51.55M | -11.58M | -11.39M | 0.00 | 0.00 | 0.00 | -30.57M | -26.01M | -21.99M | -18.52M | -13.13M | -10.10M | -11.59M | -13.76M | -14.30M | 0.00 | -8.68M | -3.65M | -2.08M | -4.00M | 10.05M | 8.88M | 9.18M | 6.55M |
| Operating Expenses | 63.34M | 3.12M | -41.56M | -41.71M | -42.46M | -28.81M | 3.31M | 740.00K | 612.00K | 532.00K | 517.00K | -18.34M | -15.01M | -11.77M | -8.33M | -3.49M | -1.02M | -2.75M | -5.45M | -6.01M | 24.69M | -1.73M | 1.66M | 2.93M | 900.00K | 14.27M | 13.00M | 12.82M | 10.56M |
| Cost & Expenses | 63.34M | 3.12M | -41.56M | -41.71M | -42.46M | -28.81M | 3.31M | 740.00K | 612.00K | 532.00K | 517.00K | -18.34M | -15.01M | -11.77M | -8.33M | -3.49M | -1.02M | -2.75M | -5.45M | -6.01M | 28.00M | -1.73M | 1.66M | 2.93M | 900.00K | 14.27M | 13.00M | 12.82M | 10.56M |
| Interest Income | 89.15M | 63.14M | 57.17M | 61.65M | 65.04M | 57.64M | 49.23M | 45.98M | 45.36M | 45.06M | 42.99M | 36.74M | 36.12M | 36.16M | 36.19M | 36.11M | 35.95M | 33.75M | 30.90M | 30.95M | 29.05M | 29.10M | 28.74M | 28.45M | 26.00M | 22.59M | 20.82M | 20.00M | 18.70M |
| Interest Expense | 36.63M | 7.15M | 8.70M | 14.42M | 15.96M | 10.94M | 5.90M | 5.57M | 5.22M | 4.96M | 5.26M | 6.21M | 7.66M | 9.87M | 12.40M | 14.83M | 16.45M | 14.21M | 10.38M | 8.77M | 9.27M | 10.85M | 12.48M | 12.78M | 10.50M | 9.45M | 8.32M | 8.08M | 7.79M |
| Depreciation & Amortization | 2.95M | 3.53M | 3.97M | 3.50M | 3.44M | 2.80M | 2.97M | 1.94M | 311.00K | 345.00K | 213.00K | 762.00K | 701.00K | 731.00K | 724.00K | 663.00K | 680.00K | 744.00K | 549.00K | 453.00K | 437.00K | -380.00K | 489.00K | -59.00K | 400.00K | 419.00K | 379.00K | 365.00K | 343.47K |
| EBITDA | 0.00 | 25.21M | 23.74M | 22.00M | 22.99M | 20.34M | 17.48M | 20.58M | 21.31M | 21.84M | 19.20M | 17.53M | 14.98M | 13.04M | 9.79M | 13.05M | 14.05M | 16.15M | 18.35M | 19.25M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Ratio | 0.00% | 44.71% | 34.02% | 32.93% | 32.55% | 54.61% | 48.13% | 49.01% | 49.43% | 48.59% | 48.06% | 57.13% | 61.27% | 67.48% | 70.83% | 89.42% | 98.74% | 92.97% | 83.65% | 81.54% | 86.48% | 91.09% | 110.47% | 115.91% | 106.84% | 504.32% | 320.76% | 613.83% | 533.56% |
| Operating Income | 0.00 | 28.73M | 19.83M | 18.68M | 18.81M | 28.46M | 24.79M | 25.79M | 26.22M | 26.45M | 23.85M | 22.66M | 21.93M | 22.18M | 17.75M | 23.24M | 25.96M | 25.82M | 24.51M | 24.11M | 1.06M | 21.98M | 22.20M | 20.96M | 19.90M | 17.91M | 19.06M | 15.39M | 13.08M |
| Operating Income Ratio | 0.00% | 43.21% | 32.30% | 30.93% | 30.70% | 49.69% | 45.71% | 48.32% | 48.85% | 47.96% | 47.63% | 55.27% | 59.37% | 65.32% | 68.06% | 86.94% | 96.22% | 90.36% | 81.81% | 80.04% | 3.72% | 92.70% | 108.09% | 116.24% | 104.74% | 492.79% | 314.50% | 599.61% | 519.91% |
| Total Other Income/Expenses | 20.32M | -2.59M | -2.02M | -2.14M | -1.71M | -1.90M | -1.98M | -2.39M | -2.32M | -1.09M | -807.00K | -468.00K | -701.00K | -731.00K | -4.44M | -3.51M | 0.00 | 0.00 | 0.00 | 0.00 | 13.82M | -10.85M | -12.48M | -12.78M | -10.50M | -9.45M | -8.32M | -8.08M | -7.79M |
| Income Before Tax | 20.32M | 21.59M | 19.84M | 18.70M | 18.82M | 17.53M | 17.23M | 17.07M | 17.63M | 18.41M | 17.54M | 16.45M | 14.28M | 12.31M | 5.35M | 8.41M | 9.51M | 11.61M | 14.13M | 15.35M | 14.88M | 11.13M | 9.72M | 8.19M | 9.40M | 8.46M | 10.74M | 7.31M | 5.28M |
| Income Before Tax Ratio | 32.08% | 32.46% | 32.32% | 30.96% | 30.72% | 30.61% | 31.78% | 31.99% | 32.86% | 33.38% | 35.02% | 40.12% | 38.64% | 36.26% | 20.52% | 31.45% | 35.26% | 40.63% | 47.16% | 50.94% | 52.35% | 46.95% | 47.32% | 45.39% | 49.47% | 232.83% | 177.26% | 284.76% | 210.07% |
| Income Tax Expense | 3.71M | 4.16M | 3.79M | 3.47M | 3.14M | 2.82M | 7.46M | 4.60M | 3.74M | 3.80M | 3.45M | 2.60M | 1.91M | 1.38M | -742.00K | 405.00K | 637.00K | 1.96M | 3.22M | 4.26M | 3.70M | 2.25M | 1.98M | 1.62M | 2.20M | 2.05M | 2.99M | 1.97M | 1.42M |
| Net Income | 16.61M | 17.42M | 16.03M | 15.21M | 15.67M | 14.70M | 9.77M | 12.48M | 13.90M | 14.61M | 14.08M | 13.85M | 12.36M | 10.93M | 6.09M | 8.00M | 8.88M | 9.65M | 10.90M | 11.08M | 11.17M | 8.89M | 7.74M | 6.57M | 7.20M | 6.41M | 7.75M | 5.34M | 3.86M |
| Net Income Ratio | 26.22% | 26.20% | 26.12% | 25.18% | 25.58% | 25.67% | 18.02% | 23.38% | 25.90% | 26.49% | 28.12% | 33.78% | 33.47% | 32.19% | 23.36% | 29.94% | 32.90% | 33.76% | 36.39% | 36.79% | 39.32% | 37.48% | 37.69% | 36.41% | 37.89% | 176.42% | 127.90% | 208.18% | 153.56% |
| EPS | 2.34 | 2.47 | 2.27 | 2.16 | 2.23 | 2.09 | 1.39 | 1.76 | 1.94 | 2.02 | 2.13 | 2.41 | 2.15 | 1.90 | 1.06 | 1.38 | 1.52 | 1.63 | 1.83 | 1.54 | 1.86 | 1.12 | 0.97 | 1.06 | 1.16 | 0.96 | 0.70 | 0.96 | 0.70 |
| EPS Diluted | 2.34 | 2.47 | 2.27 | 2.16 | 2.20 | 2.09 | 1.39 | 1.76 | 1.94 | 2.02 | 2.13 | 2.41 | 2.15 | 1.90 | 1.06 | 1.38 | 1.52 | 1.63 | 1.83 | 1.54 | 1.86 | 1.12 | 0.97 | 1.06 | 1.16 | 0.95 | 0.69 | 0.96 | 0.70 |
| Weighted Avg Shares Out | 7.11M | 7.06M | 7.06M | 7.04M | 7.04M | 7.04M | 7.06M | 7.10M | 7.16M | 7.22M | 6.62M | 5.76M | 5.75M | 5.75M | 5.75M | 5.79M | 5.83M | 5.90M | 5.96M | 7.18M | 6.00M | 6.01M | 6.09M | 6.19M | 6.20M | 6.77M | 11.14M | 5.54M | 5.52M |
| Weighted Avg Shares Out (Dil) | 7.11M | 7.06M | 7.06M | 7.04M | 7.11M | 7.04M | 7.06M | 7.10M | 7.16M | 7.22M | 6.62M | 5.76M | 5.75M | 5.75M | 5.75M | 5.79M | 5.83M | 5.90M | 5.96M | 7.19M | 6.00M | 6.01M | 6.09M | 6.19M | 6.20M | 6.81M | 11.14M | 5.54M | 5.52M |
Penns Woods Bancorp, Inc. Announces Quarterly Dividend
WILLIAMSPORT, Pa., Nov. 26, 2024 (GLOBE NEWSWIRE) -- Richard A. Grafmyre CFP®, Chief Executive Officer of Penns Woods Bancorp, Inc., (NASDAQ:PWOD) has announced that the Company's Board of Directors declared a fourth quarter 2024 cash dividend of $0.32 per share.
Penns Woods Bancorp, Inc. Reports Third Quarter 2024 Earnings
WILLIAMSPORT, Pa., Oct. 24, 2024 (GLOBE NEWSWIRE) -- Penns Woods Bancorp, Inc. (NASDAQ: PWOD) Penns Woods Bancorp, Inc. achieved net income of $14.0 million for the nine months ended September 30, 2024, resulting in basic and diluted earnings per share of $1.86.
Penns Woods Bancorp, Inc. Announces Quarterly Dividend
WILLIAMSPORT, Pa., Aug. 27, 2024 (GLOBE NEWSWIRE) -- Richard A. Grafmyre CFP®, Chief Executive Officer of Penns Woods Bancorp, Inc., (NASDAQ:PWOD) has announced that the Company's Board of Directors declared a third quarter 2024 cash dividend of $0.32 per share.
Penns Woods Bancorp: 5.9% Dividend Yield, But Earnings Outlook Is Lackluster
Rate cuts will lift the residential loan balance, thereby boosting the bottom line. However, rate cuts will hurt the margin as assets are more rate-sensitive than liabilities. Earnings will likely be lower this year, then stabilize next year. PWOD is...
Penns Woods Bancorp, Inc. Amends CEO Grafmyre Contract
WILLIAMSPORT, Pa., June 04, 2024 (GLOBE NEWSWIRE) -- Penns Woods Bancorp, Inc. (NASDAQ:PWOD) announced today that a mutual agreement has been reached with its Chief Executive Officer, Richard A. Grafmyre CFP®, to amend Mr. Grafmyre's employment agreement. The amendment was...
Penns Woods Bancorp, Inc. Announces Quarterly Dividend
WILLIAMSPORT, Pa., May 28, 2024 (GLOBE NEWSWIRE) -- Richard A. Grafmyre CFP®, Chief Executive Officer of Penns Woods Bancorp, Inc., (NASDAQ:PWOD) has announced that the Company's Board of Directors declared a second quarter 2024 cash dividend of $0.32 per share.
Penns Woods Bancorp, Inc. Announces Stock Repurchase Program
WILLIAMSPORT, Pa., May 28, 2024 (GLOBE NEWSWIRE) -- Richard A. Grafmyre, CEO of Penns Woods Bancorp, Inc., (NASDAQ: PWOD) (“Company”) has announced that the Company's Board of Directors has authorized the repurchase of up to 5% of the outstanding shares...
Penns Woods Bancorp: Short-Term Headwinds But Unreasonably Undervalued
Penns Woods is a small bank holding company operating in Pennsylvania. Its loan portfolio is well-diversified and has a high credit quality. Therefore, it is interesting to see how large a discount the market has assigned to the tangible book...
Penns Woods Bancorp, Inc. Reports First Quarter 2024 Earnings
WILLIAMSPORT, Pa., April 25, 2024 (GLOBE NEWSWIRE) -- Penns Woods Bancorp, Inc. (NASDAQ: PWOD) Penns Woods Bancorp, Inc. achieved net income of $3.8 million for the three months ended March 31, 2024, resulting in basic and diluted earnings per share of $0.51.
Penns Woods Bancorp, Inc. Announces Quarterly Dividend
WILLIAMSPORT, Pa., Feb. 27, 2024 (GLOBE NEWSWIRE) -- Richard A. Grafmyre CFP®, Chief Executive Officer of Penns Woods Bancorp, Inc., (NASDAQ:PWOD) has announced that the Company's Board of Directors declared a first quarter 2024 cash dividend of $0.32 per share.
Source: https://incomestatements.info
Category: Stock Reports