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PWOD Penns Woods Bancorp

Penns Woods Bancorp, Inc. operates as the holding bank of Jersey Shore State Bank and Luzerne Bank. It offers a range of products including accepting time, demand and savings deposits, including Super NOW accounts, regular savings accounts, money market certificates, investment certificates, fixed-rate certificates of deposit and club accounts. It also provides secured & unsecured commercial and consumer loans, financing commercial transactions, making construction & mortgage loans,and the rental of safe deposit facilities. The company was founded on January 7, 1983 and is headquartered in Williamsport, PA.

Company profile

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

PWOD stock data

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Calendar

11 Mar 21
22 Apr 21
31 Dec 21
Quarter (USD)
Dec 20 Sep 20 Jun 20 Mar 20
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Annual (USD)
Dec 20 Dec 19 Dec 18 Dec 17
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Financial data from company earnings reports.

Cash burn rate (estimated) Burn method: Change in cash Burn method: Operating income/loss Burn method: FCF (opex + capex)
Last Q Avg 4Q Last Q Avg 4Q Last Q Avg 4Q
Cash on hand (at last report) 213.36M 213.36M 213.36M 213.36M 213.36M 213.36M
Cash burn (monthly) 4.3M (positive/no burn) (positive/no burn) (positive/no burn) (positive/no burn) (positive/no burn)
Cash used (since last report) 16.11M n/a n/a n/a n/a n/a
Cash remaining 197.25M n/a n/a n/a n/a n/a
Runway (months of cash) 45.8 n/a n/a n/a n/a n/a

Beta Read what these cash burn values mean

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
9 Apr 21 Carter Aron M Penns Woods Common Stock Common Stock Grant Aquire A No No 24.33 2,500 60.83K 2,500
9 Apr 21 Carter Aron M Penns Woods Common Stock Common Stock Grant Aquire A No No 24.33 5,000 121.65K 5,000
9 Apr 21 Knepp Brian L Penns Woods Common Stock Common Stock Grant Aquire A No No 24.33 16,700 406.31K 13,500
9 Apr 21 Knepp Brian L Penns Woods Common Stock Common Stock Grant Aquire A No No 24.33 33,300 810.19K 33,300
9 Apr 21 Young Karen S Penns Woods Common Stock Common Stock Grant Aquire A No No 24.33 8,300 201.94K 8,300
9 Apr 21 Young Karen S Penns Woods Common Stock Common Stock Grant Aquire A No No 24.33 16,700 406.31K 16,700
9 Apr 21 Karas Michelle M Penns Woods Common Stock Common Stock Grant Aquire A No No 24.33 2,500 60.83K 2,500
9 Apr 21 Karas Michelle M Penns Woods Common Stock Common Stock Grant Aquire A No No 24.33 5,000 121.65K 5,000
9 Apr 21 Grafmyre Richard A Penns Woods Common Stock Common Stock Grant Aquire A No No 24.33 13,500 328.46K 13,500
9 Apr 21 Grafmyre Richard A Penns Woods Common Stock Common Stock Grant Aquire A No No 24.33 27,000 656.91K 27,000

Data for the last complete 13F reporting period. To see the most recent changes to ownership, click the ownership history button above.

26.9% owned by funds/institutions
13F holders
Current Prev Q Change
Total holders 45 39 +15.4%
Opened positions 7 0 NEW
Closed positions 1 8 -87.5%
Increased positions 17 8 +112.5%
Reduced positions 10 20 -50.0%
13F shares
Current Prev Q Change
Total value 98.03M 69.8M +40.4%
Total shares 1.9M 1.81M +5.3%
Total puts 0 0
Total calls 0 0
Total put/call ratio
Largest owners
Shares Value Change
BLK Blackrock 403.97K $10.51M +7.6%
Vanguard 302K $7.85M +0.9%
Dimensional Fund Advisors 271.17K $7.05M -0.9%
Renaissance Technologies 169.97K $4.42M -0.9%
STT State Street 123.06K $3.2M +0.2%
Geode Capital Management 97.57K $2.54M +6.4%
NTRS Northern Trust 76.46K $1.99M -5.0%
Hudock 57.59K $1.5M -6.2%
Kennedy Capital Management 47.86K $1.25M +0.7%
BK Bank Of New York Mellon 42.23K $1.1M -5.7%
Largest transactions
Shares Bought/sold Change
BLK Blackrock 403.97K +28.71K +7.6%
JPM JPMorgan Chase & Co. 20.82K +15K +257.4%
Wbi Investments 10.99K +10.99K NEW
California State Teachers Retirement System 10.6K +10.6K NEW
Alliancebernstein 9.26K +9.26K NEW
Bernardo Wealth Planning 8.62K +8.62K NEW
Berkshire Asset Management 7.83K +7.83K NEW
Geode Capital Management 97.57K +5.83K +6.4%
Tower Research Capital 3.18K -4.66K -59.4%
MS Morgan Stanley 18.27K +4.51K +32.8%

Financial report summary

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Risks
  • Changes in interest rates could reduce our income, cash flows and asset values.
  • Our information systems may experience an interruption or breach in security.
  • We may be adversely affected by government regulation.
Management Discussion
  • Reported net interest income decreased $2,592,000 to $48,223,000 for the year ended December 31, 2020 compared to the year ended December 31, 2019, as the growth in the earning asset portfolio was offset by a decrease in the yield on earning assets to 3.80% from 4.33%.  Total interest income decreased $4,136,000 primarily from a decrease in the tax equivalent yield on the loan portfolio decreasing 16 basis points ("bp") coupled with a decrease in the average balance of the loan portfolio of $26,382,000. Tax equivalent interest income on the investment portfolio decreased $688,000 as the yield on the investment portfolio decreased 65 bp. The decrease in the yield on the earning asset portfolio was driven by the impact of the continued low interest rate environment resulting from the COVID-19 pandemic.
Content analysis
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