Company profile

Richard A. Grafmyre
Incorporated in
Fiscal year end
Industry (SEC)
IRS number

PWOD stock data



9 Aug 19
21 Oct 19
31 Dec 19


Company financial data Financial data

Quarter (USD) Jun 19 Mar 19 Dec 18 Sep 18
Revenue 359K
Net income 4.25M 3.94M 4.19M 3.83M
Diluted EPS 0.91 0.84 0.89 0.82
Net profit margin 1066%
Net change in cash 5.93M 6.85M -5.61M 16.34M
Cash on hand 79.53M 73.6M 66.74M 72.35M
Annual (USD) Dec 18 Dec 17 Dec 16 Dec 15
Revenue 1.53M 1.31M 1.33M
Net income 14.7M 9.77M 12.48M 13.9M
Diluted EPS 3.14 2.08 2.64 2.91
Net profit margin 959% 745% 940%
Net change in cash 39.5M -16.43M 20.88M 2.89M
Cash on hand 66.74M 27.24M 43.67M 22.8M

Financial data from company earnings reports

Financial report summary

  • Changes in interest rates could reduce our income, cash flows and asset values.
  • Economic conditions either nationally or locally in areas in which our operations are concentrated may adversely affect our business.
  • Our financial condition and results of operations would be adversely affected if our allowance for loan losses is not sufficient to absorb actual losses or if we are required to increase our allowance.
  • Many of our loans are secured, in whole or in part, with real estate collateral which is subject to declines in value.
  • Our information systems may experience an interruption or breach in security.
  • We face the risk of cyber-attack to our computer systems.
  • Competition may decrease our growth or profits.
  • The value of certain investment securities is volatile and future declines or other-than-temporary impairments could materially adversely affect our future earnings and regulatory capital.
  • We may be adversely affected by government regulation.
  • We rely on our management and other key personnel, and the loss of any of them may adversely affect our operations.
  • Environmental liability associated with lending activities could result in losses.
  • Failure to implement new technologies in our operations may adversely affect our growth or profits.
  • An investment in our common stock is not an insured deposit.
Management Discussion
  • The provision for loan losses is based upon management’s quarterly review of the loan portfolio.  The purpose of the review is to assess loan quality, identify impaired loans, analyze delinquencies, ascertain loan growth, evaluate potential charge-offs and recoveries, and assess general economic conditions in the markets served.  An external independent loan review is also performed annually for the Corporation.  Management remains committed to an aggressive program of problem loan identification and resolution.
  • The allowance is calculated by applying loss factors to outstanding loans by type, excluding loans for which a specific allowance has been determined.  Loss factors are based on management’s consideration of the nature of the portfolio segments, changes in
  • mix and volume of the loan portfolio, and historical loan loss experience.  In addition, management considers industry standards and trends with respect to nonperforming loans and its knowledge and experience with specific lending segments.
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