How to buy Penns Woods Bancorp stock | $24.29

Penns Woods Bancorp, Inc is a banks-regional business based in the US. Penns Woods Bancorp shares (PWOD) are listed on the NASDAQ and all prices are listed in US Dollars. Penns Woods Bancorp employs 334 staff and has a trailing 12-month revenue of around USD$56.8 million.

How to buy shares in Penns Woods Bancorp

1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
3. Search for Penns Woods Bancorp. Find the stock by name or ticker symbol: PWOD. Research its history to confirm it's a solid investment against your financial goals.
4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until Penns Woods Bancorp reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
5. Decide on how many to buy. At last close price of USD$24.29, weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of Penns Woods Bancorp, depending on your broker.
6. Check in on your investment. Congratulations, you own a part of Penns Woods Bancorp. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

Penns Woods Bancorp share price

Use our graph to track the performance of PWOD stocks over time.

Penns Woods Bancorp shares at a glance

• Key figures

Information last updated 2021-01-12.

Latest market close	USD$24.29
52-week range	USD$18.0168 - USD$31.9225
50-day moving average	USD$26.0021
200-day moving average	USD$22.5462
Wall St. target price	N/A
PE ratio	12.1285
Dividend yield	USD$1.28 (5.15%)
Earnings per share (TTM)	USD$1.992

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Is it a good time to buy Penns Woods Bancorp stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

Technical Analysis of Penns Woods Bancorp, Inc by TradingView

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Penns Woods Bancorp price performance over time

Historical closes compared with the close of $24.29 from 2021-01-11

1 week (2021-01-08)	-2.29%
1 month (2020-12-15)	-8.99%
3 months (2020-10-15)	13.50%
6 months (2020-07-15)	8.78%

1 year (2020-01-15)	-26.39%
2 years (2019-01-15)	-37.43%
3 years (2018-01-15)	N/A
5 years (2016-01-15)	36.95

Is Penns Woods Bancorp under- or over-valued?

Valuing Penns Woods Bancorp stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Penns Woods Bancorp's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Penns Woods Bancorp's P/E ratio

Penns Woods Bancorp's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 12x. In other words, Penns Woods Bancorp shares trade at around 12x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Penns Woods Bancorp financials

Revenue TTM	USD$56.8 million
Operating margin TTM	35.2%
Gross profit TTM	USD$58.5 million
Return on assets TTM	0.81%
Return on equity TTM	8.92%
Profit margin	24.88%
Book value	$23.047
Market capitalisation	USD$170.4 million

TTM: trailing 12 months

Shorting Penns Woods Bancorp shares

There are currently 32,787 Penns Woods Bancorp shares held short by investors – that's known as Penns Woods Bancorp's "short interest". This figure is 9.6% down from 36,285 last month.

There are a few different ways that this level of interest in shorting Penns Woods Bancorp shares can be evaluated.

Penns Woods Bancorp's "short interest ratio" (SIR)

Penns Woods Bancorp's "short interest ratio" (SIR) is the quantity of Penns Woods Bancorp shares currently shorted divided by the average quantity of Penns Woods Bancorp shares traded daily (recently around 7221.8061674009). Penns Woods Bancorp's SIR currently stands at 4.54. In other words for every 100,000 Penns Woods Bancorp shares traded daily on the market, roughly 4540 shares are currently held short.

However Penns Woods Bancorp's short interest can also be evaluated against the total number of Penns Woods Bancorp shares, or, against the total number of tradable Penns Woods Bancorp shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Penns Woods Bancorp's short interest could be expressed as 0% of the outstanding shares (for every 100,000 Penns Woods Bancorp shares in existence, roughly 0 shares are currently held short) or 0.0048% of the tradable shares (for every 100,000 tradable Penns Woods Bancorp shares, roughly 5 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Penns Woods Bancorp.

Find out more about how you can short Penns Woods Bancorp stock.

Penns Woods Bancorp share dividends

Dividend payout ratio: 57.54% of net profits

Recently Penns Woods Bancorp has paid out, on average, around 57.54% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 5.15% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Penns Woods Bancorp shareholders could enjoy a 5.15% return on their shares, in the form of dividend payments. In Penns Woods Bancorp's case, that would currently equate to about $1.28 per share.

Penns Woods Bancorp's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.

Penns Woods Bancorp's most recent dividend payout was on 22 December 2020. The latest dividend was paid out to all shareholders who bought their shares by 7 December 2020 (the "ex-dividend date").

Have Penns Woods Bancorp's shares ever split?

Penns Woods Bancorp's shares were split on a 3:2 basis on 1 October 2019. So if you had owned 2 shares the day before before the split, the next day you'd have owned 3 shares. This wouldn't directly have changed the overall worth of your Penns Woods Bancorp shares – just the quantity. However, indirectly, the new 33.3% lower share price could have impacted the market appetite for Penns Woods Bancorp shares which in turn could have impacted Penns Woods Bancorp's share price.

Penns Woods Bancorp share price volatility

Over the last 12 months, Penns Woods Bancorp's shares have ranged in value from as little as $18.0168 up to $31.9225. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Penns Woods Bancorp's is 0.6901. This would suggest that Penns Woods Bancorp's shares are less volatile than average (for this exchange).

Penns Woods Bancorp overview

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. The company accepts time, demand, and savings deposits, including super NOW accounts, statement savings accounts, money market accounts, and certificates of deposit, as well as checking accounts and IRAs. It 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 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, the company 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, it engages in real estate transactions and investment activities. The company operates through a network of twenty-six offices located in Clinton, Lycoming, Centre, Montour, Union, and Luzerne counties, Pennsylvania. Penns Woods Bancorp, Inc. was incorporated in 1983 and is based in Williamsport, Pennsylvania.

Frequently asked questions

• What percentage of Penns Woods Bancorp is owned by insiders or institutions?

  Currently 4.167% of Penns Woods Bancorp shares are held by insiders and 26.638% by institutions.

• How many people work for Penns Woods Bancorp?

  Latest data suggests 334 work at Penns Woods Bancorp.

• When does the fiscal year end for Penns Woods Bancorp?

  Penns Woods Bancorp's fiscal year ends in December.

• Where is Penns Woods Bancorp based?

  Penns Woods Bancorp's address is: 300 Market Street, Williamsport, PA, United States, 17703-0967

• What is Penns Woods Bancorp's ISIN number?

  Penns Woods Bancorp's international securities identification number is: US7084301032

• What is Penns Woods Bancorp's CUSIP number?

  Penns Woods Bancorp's Committee on Uniform Securities Identification Procedures number is: 708430103