Penns Woods Bancorp

The Company operates through its subsidiaries: Jersey Shore State Bank (JSSB) and Luzerne Bank (Luzerne) (collectively known as the Banks); Woods Real Estate Development Company, Inc.; Woods Investment Company, Inc., and The M Group, a subsidiary of JSSB. The Company is engaged in managing and supervising the Banks. The Company operates in Community Banking segment. The Banks are engaged in a full-service commercial banking business, making available to the community a range of financial services, including installment loans, credit cards, mortgage and home equity loans, lines of credit, construction financing, farm loans, community development loans, loans to non-profit entities and local government, and various demand and time deposits, including checking accounts, savings accounts, money market deposit accounts, certificates of deposit and individual retirement arrangements (IRAs).

Company Growth (employees)
Type
Public
HQ
Jersey Shore, US
Size (employees)
194 (est)
Website
jssb.com
Penns Woods Bancorp is headquartered in Jersey Shore, US

Penns Woods Bancorp Office Locations

Penns Woods Bancorp has an office in Jersey Shore
Jersey Shore, US (HQ)
115 S Main St

Penns Woods Bancorp Data and Metrics

Penns Woods Bancorp Financial Metrics

Penns Woods Bancorp's revenue was reported to be $46.1 m in FY, 2015
USD

Net income (Q1, 2017)

2.7 m

EBIT (Q1, 2017)

10 m

Market capitalization (15-Aug-2017)

198.8 m

Cash (31-Mar-2017)

75.7 m
Penns Woods Bancorp's current market capitalization is $198.8 m.
USDFY, 2013FY, 2014FY, 2015FY, 2016

Revenue

43.3 m45.6 m46.1 m

Revenue growth, %

5%1%

Cost of goods sold

5.6 m

Sales and marketing expense

740 k

Operating expense total

35.1 m

EBIT

40.1 m

Pre tax profit

17.1 m

Income tax expense

4.6 m

Net Income

14.1 m14.6 m13.9 m12.5 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Cost of goods sold

1.2 m1.2 m1.3 m1.3 m1.3 m1.4 m1.4 m1.4 m1.3 m

Sales and marketing expense

126 k144 k129 k145 k160 k210 k185 k173 k171 k

Operating expense total

126 k144 k129 k145 k160 k210 k185 k173 k171 k

EBIT

9.8 m9.8 m9.4 m9.6 m9.7 m10 m10 m10 m10 m

Pre tax profit

4.3 m6.4 m4.2 m4.3 m4.3 m4 m4.5 m4.3 m3.7 m

Income tax expense

875 k1.6 m848 k825 k957 k882 k1.2 m1.3 m986 k

Net Income

6.9 m11.7 m3.4 m6.8 m10.2 m3.1 m6.5 m9.5 m2.7 m
USDFY, 2013FY, 2014FY, 2015FY, 2016

Cash

24.6 m19.9 m22.8 m43.7 m

Accounts Receivable

4.7 m3.9 m3.7 m3.7 m

Inventories

1.1 b

PP&E

20.2 m21.1 m21.8 m24.3 m

Goodwill

17.1 m17.1 m17.1 m17.1 m

Total Assets

1.2 b1.2 b1.3 b1.3 b

Accounts Payable

405 k381 k426 k1.1 b

Total Debt

97.9 m112 m137.7 m99.2 m

Total Liabilities

1.2 b

Additional Paid-in Capital

49.8 m49.9 m50 m50.1 m

Retained Earnings

47.6 m53.1 m58 m61.6 m

Total Equity

136.3 m138.2 m

Debt to Equity Ratio

1 x0.7 x

Debt to Assets Ratio

0.1 x0.1 x0.1 x0.1 x

Financial Leverage

9.7 x9.8 x
USDQ2, 2014Q3, 2014Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Cash

24.9 m25.2 m21.9 m18.3 m47.1 m69.5 m60.2 m75.7 m

Inventories

856.3 m890.7 m977.9 m1 b1 b1.1 b1.1 b1.1 b

PP&E

21 m21.5 m20.8 m21.4 m22.2 m22.3 m23 m24.4 m

Goodwill

17.1 m17.1 m17.1 m17.1 m17.1 m17.1 m17.1 m17.1 m

Total Assets

1.2 b1.2 b1.3 b1.3 b1.3 b1.3 b1.3 b1.4 b

Accounts Payable

981.8 m989.1 m1 b1 b1.1 b1.1 b1.1 b1.2 b

Additional Paid-in Capital

49.8 m49.9 m49.9 m50 m50 m50 m50.1 m50.1 m

Retained Earnings

50 m52.5 m55.4 m56.5 m58.9 m60.1 m60.9 m62.1 m

Total Equity

135 m135.6 m137.7 m139.4 m139.9 m139.1 m

Financial Leverage

9.6 x9.6 x9.6 x9.7 x9.6 x10.1 x
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

14.1 m14.6 m13.9 m12.5 m

Depreciation and Amortization

1.1 m3.1 m3.4 m3.1 m

Accounts Receivable

726 k

Accounts Payable

103 k

Cash From Operating Activities

17.3 m18.7 m15.7 m16.1 m

Cash From Investing Activities

(38.1 m)(36.2 m)(77.5 m)(10.8 m)

Dividends Paid

(9.6 m)(9.1 m)(9 m)(8.9 m)

Cash From Financing Activities

30.2 m12.8 m64.7 m15.5 m

Interest Paid

5.2 m5 m5.2 m5.5 m

Income Taxes Paid

4 m3.8 m2.9 m4 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Net Income

6.9 m11.7 m3.4 m6.8 m10.2 m3.1 m6.5 m9.5 m2.7 m

Depreciation and Amortization

725 k2.4 m826 k1.6 m2.5 m863 k1.6 m2.4 m719 k

Cash From Operating Activities

7.2 m13.1 m1.7 m5.5 m11.3 m2.7 m5.5 m12.2 m4.5 m

Cash From Investing Activities

(6.5 m)(11.9 m)(17.1 m)(45.8 m)(58 m)27.4 m22.4 m11 m(21.1 m)

Dividends Paid

(4.5 m)(6.8 m)(2.3 m)(4.5 m)(6.7 m)(2.2 m)(4.5 m)(6.7 m)(2.2 m)

Cash From Financing Activities

(440 k)(596 k)48.6 m

Interest Paid

2.5 m3.7 m1.2 m2.6 m3.8 m1.3 m2.7 m4.1 m1.4 m

Income Taxes Paid

1.7 m2.4 m800 k1.6 m2 m950 k2.8 m3.1 m
Y, 2017

Financial Leverage

10.1 x

Penns Woods Bancorp Market Value History

Traffic Overview of Penns Woods Bancorp

Penns Woods Bancorp Company Life and Culture

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