Penns Woods Bancorp Inc (PWOD) — Financial Flexibility Index
Penns Woods Bancorp Inc (PWOD) has a Financial Flexibility Index of 0.00x as of March 2025. Free cash flow of $140.00K (operating CF $63.00K minus capex $77.00K) represents 0% of total liabilities ($2.04 Billion). Check Penns Woods Bancorp Inc investment reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Penns Woods Bancorp Inc Financial Flexibility Index (1995–2024)
Historical Financial Flexibility Index trend for Penns Woods Bancorp Inc across 30 annual periods. For the full cash flow conversion analysis, see Penns Woods Bancorp Inc (PWOD) cash flow conversion.
Annual Financial Flexibility Index for Penns Woods Bancorp Inc (1995–2024)
Year-by-year free cash flow to debt coverage for Penns Woods Bancorp Inc. Explore PWOD operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.01x | $20.56 Million | $19.36 Million | $2.03 Billion | ▲ +4.1% |
| 2023 | 0.01x | $19.63 Million | $18.82 Million | $2.01 Billion | ▼ -26.4% |
| 2022 | 0.01x | $24.27 Million | $23.89 Million | $1.83 Billion | ▲ +22.9% |
| 2021 | 0.01x | $19.06 Million | $17.92 Million | $1.77 Billion | ▼ -27.0% |
| 2020 | 0.01x | $24.67 Million | $22.00 Million | $1.67 Billion | ▲ +33.1% |
| 2019 | 0.01x | $16.76 Million | $14.05 Million | $1.51 Billion | ▼ -11.3% |
| 2018 | 0.01x | $19.27 Million | $17.27 Million | $1.54 Billion | ▼ -26.4% |
| 2017 | 0.02x | $22.69 Million | $17.69 Million | $1.34 Billion | ▲ +1.9% |
| 2016 | 0.02x | $20.17 Million | $16.11 Million | $1.21 Billion | ▲ +9.5% |
| 2015 | 0.02x | $18.02 Million | $15.73 Million | $1.18 Billion | ▼ -21.6% |
| 2014 | 0.02x | $21.53 Million | $18.74 Million | $1.11 Billion | ▼ -5.4% |
| 2013 | 0.02x | $22.25 Million | $17.33 Million | $1.08 Billion | ▲ +1.8% |
| 2012 | 0.02x | $15.37 Million | $13.97 Million | $762.81 Million | ▼ -20.1% |
| 2011 | 0.03x | $17.24 Million | $16.49 Million | $683.49 Million | ▲ +53.6% |
| 2010 | 0.02x | $10.26 Million | $9.86 Million | $625.07 Million | ▲ +39.6% |
| 2009 | 0.01x | $7.17 Million | $6.32 Million | $609.29 Million | ▼ -20.5% |
| 2008 | 0.01x | $8.76 Million | $7.00 Million | $591.78 Million | ▼ -1.1% |
| 2007 | 0.01x | $8.35 Million | $7.63 Million | $557.58 Million | ▼ -12.0% |
| 2006 | 0.02x | $8.81 Million | $7.74 Million | $517.69 Million | ▼ -31.9% |
| 2005 | 0.02x | $12.37 Million | $10.29 Million | $494.75 Million | ▲ +7.3% |
| 2004 | 0.02x | $11.03 Million | $10.19 Million | $473.54 Million | ▲ +56.0% |
| 2003 | 0.01x | $6.84 Million | $6.44 Million | $457.61 Million | ▼ -36.1% |
| 2002 | 0.02x | $9.56 Million | $8.57 Million | $409.06 Million | ▲ +35.9% |
| 2001 | 0.02x | $6.36 Million | $6.04 Million | $369.56 Million | ▼ -5.0% |
| 2000 | 0.02x | $6.24 Million | $5.85 Million | $344.40 Million | ▲ +7.9% |
| 1999 | 0.02x | $5.50 Million | $4.80 Million | $327.60 Million | ▲ +3.5% |
| 1998 | 0.02x | $4.73 Million | $4.02 Million | $291.70 Million | ▲ +9.6% |
| 1997 | 0.01x | $3.57 Million | $3.19 Million | $241.01 Million | ▼ -12.1% |
| 1996 | 0.02x | $3.81 Million | $3.42 Million | $226.17 Million | ▼ -14.5% |
| 1995 | 0.02x | $4.19 Million | $3.58 Million | $212.94 Million | — |