See more : Fuse Medical, Inc. (FZMD) 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. Reports Second Quarter 2021 Earnings
WILLIAMSPORT, Pa., July 21, 2021 (GLOBE NEWSWIRE) -- Penns Woods Bancorp, Inc. (NASDAQ: PWOD)
Penns Woods Bancorp, Inc. Reports First Quarter 2021 Earnings
WILLIAMSPORT, Pa., April 22, 2021 (GLOBE NEWSWIRE) -- Penns Woods Bancorp, Inc. (NASDAQ: PWOD)
Penns Woods Bancorp, Inc. Announces Stock Repurchase Program
WILLIAMSPORT, Pa., April 13, 2021 (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, Inc. Announces Quarterly Dividend
WILLIAMSPORT, Pa., Feb. 23, 2021 (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 2021 cash dividend of $0.32 per share.
Penns Woods Bancorp, Inc. Reports Fourth Quarter 2020 Earnings
WILLIAMSPORT, Pa., Jan. 29, 2021 (GLOBE NEWSWIRE) -- Penns Woods Bancorp, Inc. (NASDAQ: PWOD) -
KBW Announces 2012 Bank Honor Roll Award Winners
NEW YORK--(BUSINESS WIRE)--KBW, a full-service, boutique investment bank and broker-dealer that specializes in the financial services sector, and a wholly owned subsidiary of Stifel Financial Corp. (NYSE: SF), today named 47 U.S. banking institutions to its coveted “Bank Honor Roll”...
Penns Woods Bancorp, Inc. Announces Quarterly Dividend
WILLIAMSPORT, Pa.--(BUSINESS WIRE)--Richard A. Grafmyre CFP®, President and Chief Executive Officer of Penns Woods Bancorp, Inc., (NASDAQ:PWOD) has announced that the Company’s Board of Directors declared a second quarter 2012 cash dividend of $0.47 per share. The dividend represents an...
KBW Announces 2011 Bank Honor Roll Award Winners
NEW YORK--(BUSINESS WIRE)--KBW, Inc. (NYSE: KBW), a full-service investment bank that specializes in the financial services sector, today named 45 U.S. banking institutions to its “Bank Honor Roll” of superior performers. Honor Roll winners are publicly traded banking institutions with...
Penns Woods Bancorp, Inc. Increases Quarterly Dividend
WILLIAMSPORT, Pa.--(BUSINESS WIRE)--Richard A. Grafmyre CFP®, President and Chief Executive Officer of Penns Woods Bancorp, Inc., (NASDAQ:PWOD) has announced that the Company’s Board of Directors declared a first quarter 2012 cash dividend of $0.47 per share. The dividend represents an...
Penns Woods Bancorp, Inc. Holds Annual Shareholders Meeting
WILLIAMSPORT, Pa.--(BUSINESS WIRE)--Penns Woods Bancorp, Inc., (NASDAQ: PWOD) the holding company of Jersey Shore State Bank, recently held its annual shareholders meeting. Ronald A. Walko, Chairman of the Board, presided over the meeting. Richard A. Grafmyre CFP®, President and CEO;...
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