Company profile

Ticker
PWOD
Exchange
Website
CEO
Richard A. Grafmyre
Employees
Incorporated in
Location
Fiscal year end
Industry (SEC)
SEC CIK
IRS number
232226454

PWOD stock data

(
)

Calendar

8 May 20
15 Jul 20
31 Dec 20

News

Company financial data Financial data

Quarter (USD) Mar 20 Dec 19 Sep 19 Jun 19
Revenue 16.16M 16.42M 17.08M 16.84M
Net income 3.08M 2.84M 4.65M 4.25M
Diluted EPS 0.43 0.39 0.66 0.61
Net profit margin 19.04% 17.28% 27.24% 25.23%
Net change in cash 29.17M -8.75M -22.18M 5.93M
Cash on hand 77.76M 48.59M 57.34M 79.53M
Annual (USD) Dec 19 Dec 18 Dec 17 Dec 16
Revenue 1.38M 1.53M 1.31M 1.33M
Net income 15.69M 14.71M 9.77M 12.48M
Diluted EPS 2.2 2.09 1.39 2.64
Net profit margin 1138% 959% 745% 940%
Net change in cash -18.15M 39.5M -16.43M 20.88M
Cash on hand 48.59M 66.74M 27.24M 43.67M

Financial data from company earnings reports

Date Owner Security Transaction Code 10b5-1 $Price #Shares $Value #Remaining
11 Jun 20 Kranich Charles E. Penns Woods Bancorp, Inc. common stock Buy Aquire P No 21.645 90 1.95K 13,250
11 Jun 20 Kranich Charles E. Penns Woods Bancorp, Inc. common stock Buy Aquire P No 21.7465 74 1.61K 12,666
11 Jun 20 Kranich Charles E. Penns Woods Bancorp, Inc. common stock Buy Aquire P No 21.64 92 1.99K 12,592
11 Jun 20 Kranich Charles E. Penns Woods Bancorp, Inc. common stock Buy Aquire P No 22.6084 494 11.17K 13,160
1 Jun 20 Karas Michelle M Penns Woods Bancorp, Inc. common stock Buy Aquire P No 22.234 279 6.2K 12,500
1 Jun 20 Karas Michelle M Penns Woods Bancorp, Inc. common stock Buy Aquire P No 21.635 71 1.54K 12,221
1 Jun 20 Karas Michelle M Penns Woods Bancorp, Inc. common stock Buy Aquire P No 21.72 200 4.34K 12,150
1 Jun 20 Kranich Charles E. Penns Woods Bancorp, Inc. common stock Buy Aquire P No 22.234 279 6.2K 12,500
1 Jun 20 Kranich Charles E. Penns Woods Bancorp, Inc. common stock Buy Aquire P No 21.635 71 1.54K 12,221
1 Jun 20 Kranich Charles E. Penns Woods Bancorp, Inc. common stock Buy Aquire P No 21.72 200 4.34K 12,150
26.7% owned by funds/institutions
13F holders
Current Prev Q Change
Total holders 48 60 -20.0%
Opened positions 4 10 -60.0%
Closed positions 16 3 +433.3%
Increased positions 18 46 -60.9%
Reduced positions 17 2 +750.0%
13F shares
Current Prev Q Change
Total value 97.53M 134.18M -27.3%
Total shares 1.88M 1.95M -3.9%
Total puts 0 0
Total calls 0 0
Total put/call ratio
Largest owners
Shares Value Change
BLK BlackRock 380.48K $9.25M +0.8%
Vanguard 299.61K $7.28M +1.0%
Dimensional Fund Advisors 267.14K $6.49M +0.3%
Renaissance Technologies 181.5K $4.41M -1.5%
STT State Street 128.14K $3.11M -1.8%
Geode Capital Management 87.57K $2.13M +5.4%
NTRS Northern Trust 84.46K $2.05M +2.6%
Hudock 57.8K $1.4M +3.0%
Kennedy Capital Management 54.1K $1.32M +8.3%
BK Bank Of New York Mellon 51.58K $1.25M -0.3%
Largest transactions
Shares Bought/sold Change
Janney Montgomery Scott 0 -20.1K EXIT
Raymond James Financial Services Advisors 0 -16.95K EXIT
Planning Directions 15.48K +15.48K NEW
Grandview Asset Management 0 -11.57K EXIT
MS^L Morgan Stanley 8.01K -9.25K -53.6%
Bridgeway Capital Management 26.53K -8K -23.2%
Sheaff Brock Investment Advisors 0 -7.51K EXIT
Royal Fund Management 6.51K +6.51K NEW
Private Advisor 0 -6.18K EXIT
Abundance Wealth Counselors 0 -6.17K EXIT

Financial report summary

?
Risks
  • The continuing COVID-19 pandemic has adversely impacted our business and financial results, and the ultimate impact will depend on future developments, which are highly uncertain and cannot be predicted, including the scope and duration of the pandemic and actions taken by governmental authorities in response to the pandemic.
Management Discussion
  • Net interest income is determined by calculating the difference between the yields earned on interest-earning assets and the rates paid on interest-bearing liabilities. To compare the tax-exempt asset yields to taxable yields, amounts are adjusted to taxable equivalents based on the marginal corporate federal tax rate of 21% for 2019 and 2018 and 34% for 2017.  The tax equivalent adjustments to net interest income for 2019, 2018, and 2017 were $489,000, $700,000, and $1,281,000, respectively.
  • 2019 vs. 2018
  • Reported net interest income increased $3,005,000 to $50,815,000 for the year ended December 31, 2019 compared to the year ended December 31, 2018, as growth in the earning asset portfolio was coupled with the yield on earning assets increasing to 4.33% from 4.06%.  Total interest income increased $8,028,000 primarily from the growth in the average balance of the loan portfolio along with an increase in the average balance of the investment portfolio as the investment portfolio is actively managed to reduce interest rate and market risk. Interest income on a tax equivalent basis recognized on the loan portfolio increased $6,341,000 due to a $50,797,000 increase in the average balance in the loan portfolio coupled with a 31 basis point ("bp") increase in the loan portfolio yield . Interest and dividend income generated from the investment portfolio on a tax equivalent basis increased $1,224,000 due to a $23,443,000 increase in the average balance in the investment portfolio and a 30 bp increase in the average rate. 
Content analysis ?
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