Penns Woods Bancorp Inc (PWOD) — Cash Flow Quality Index
Penns Woods Bancorp Inc (PWOD) has a Cash Flow Quality Index of 0.01x as of March 2025. Operating cash flow of $63.00K is below net income of $7.37 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore Penns Woods Bancorp Inc (PWOD) cash flow to debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Penns Woods Bancorp Inc Cash Flow Quality Index (1995–2024)
Historical Cash Flow Quality Index for Penns Woods Bancorp Inc across 30 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Penns Woods Bancorp Inc cash conversion from operations.
Annual Cash Flow Quality Index for Penns Woods Bancorp Inc (1995–2024)
Year-by-year earnings quality comparison for Penns Woods Bancorp Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.09x | $19.36 Million | $17.74 Million | ▼ -3.7% |
| 2023 | 1.13x | $18.82 Million | $16.61 Million | ▼ -17.4% |
| 2022 | 1.37x | $23.89 Million | $17.42 Million | ▲ +22.8% |
| 2021 | 1.12x | $17.92 Million | $16.05 Million | ▼ -22.7% |
| 2020 | 1.45x | $22.00 Million | $15.22 Million | ▲ +61.3% |
| 2019 | 0.90x | $14.05 Million | $15.69 Million | ▼ -23.7% |
| 2018 | 1.17x | $17.27 Million | $14.70 Million | ▼ -35.1% |
| 2017 | 1.81x | $17.69 Million | $9.77 Million | ▲ +40.2% |
| 2016 | 1.29x | $16.11 Million | $12.47 Million | ▲ +14.1% |
| 2015 | 1.13x | $15.73 Million | $13.90 Million | ▼ -11.7% |
| 2014 | 1.28x | $18.74 Million | $14.61 Million | ▲ +4.3% |
| 2013 | 1.23x | $17.33 Million | $14.08 Million | ▲ +22.0% |
| 2012 | 1.01x | $13.97 Million | $13.85 Million | ▼ -24.4% |
| 2011 | 1.33x | $16.49 Million | $12.36 Million | ▲ +47.9% |
| 2010 | 0.90x | $9.86 Million | $10.93 Million | ▼ -13.0% |
| 2009 | 1.04x | $6.32 Million | $6.09 Million | ▲ +18.6% |
| 2008 | 0.87x | $7.00 Million | $8.00 Million | ▲ +1.8% |
| 2007 | 0.86x | $7.63 Million | $8.88 Million | ▲ +7.2% |
| 2006 | 0.80x | $7.74 Million | $9.65 Million | ▼ -15.1% |
| 2005 | 0.94x | $10.29 Million | $10.90 Million | ▲ +2.7% |
| 2004 | 0.92x | $10.19 Million | $11.08 Million | ▲ +59.6% |
| 2003 | 0.58x | $6.44 Million | $11.17 Million | ▼ -40.3% |
| 2002 | 0.96x | $8.57 Million | $8.89 Million | ▲ +23.7% |
| 2001 | 0.78x | $6.04 Million | $7.74 Million | ▼ -12.4% |
| 2000 | 0.89x | $5.85 Million | $6.57 Million | ▲ +33.6% |
| 1999 | 0.67x | $4.80 Million | $7.20 Million | ▲ +6.4% |
| 1998 | 0.63x | $4.02 Million | $6.41 Million | ▲ +52.4% |
| 1997 | 0.41x | $3.19 Million | $7.75 Million | ▼ -35.7% |
| 1996 | 0.64x | $3.42 Million | $5.34 Million | ▼ -31.0% |
| 1995 | 0.93x | $3.58 Million | $3.86 Million | — |