Penns Woods Bancorp Inc Cash Flow Quality Index
Penns Woods Bancorp Inc 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 debt service capacity to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Penns Woods Bancorp Inc (1995–2024)
Cash flow quality index of Penns Woods Bancorp Inc from 1995 to 2024. Historical Cash Flow Quality Index for Penns Woods Bancorp Inc across 30 annual periods. Values consistently above 1.0x indicate high-quality earnings. See PWOD equity financing ratio to measure how much of total assets are equity-financed.
Penns Woods Bancorp Inc Cash Flow Quality Index by Year (1995–2024)
Penns Woods Bancorp Inc cash flow quality index by year from 1995 to 2024. Year-by-year earnings quality comparison for Penns Woods Bancorp Inc. For the full cash flow conversion analysis, see Penns Woods Bancorp Inc cash conversion from operations.
| 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 | — |