Penns Woods Bancorp Inc
Penns Woods Bancorp, Inc. operates as the bank holding company for Jersey Shore State Bank, which provides commercial and retail banking services to individuals, partnerships, non-profit organizations, and corporations in the United States. The company accepts time, demand, and savings deposits, including super NOW accounts, statement savings accounts, money market accounts, and fixed rate certif… Read more
Penns Woods Bancorp Inc (PWOD) - Net Assets
Latest net assets as of March 2025: $212.02 Million USD
Based on the latest financial reports, Penns Woods Bancorp Inc (PWOD) has net assets worth $212.02 Million USD as of March 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($2.25 Billion) and total liabilities ($2.04 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $212.02 Million |
| % of Total Assets | 9.41% |
| Annual Growth Rate | 6.89% |
| 5-Year Change | 25.03% |
| 10-Year Change | 50.6% |
| Growth Volatility | 10.16 |
Penns Woods Bancorp Inc - Net Assets Trend (1995–2024)
This chart illustrates how Penns Woods Bancorp Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Penns Woods Bancorp Inc (1995–2024)
The table below shows the annual net assets of Penns Woods Bancorp Inc from 1995 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $205.23 Million | +7.14% |
| 2023-12-31 | $191.56 Million | +14.25% |
| 2022-12-31 | $167.66 Million | -2.68% |
| 2021-12-31 | $172.27 Million | +4.95% |
| 2020-12-31 | $164.15 Million | +5.91% |
| 2019-12-31 | $154.98 Million | +7.97% |
| 2018-12-31 | $143.54 Million | +3.87% |
| 2017-12-31 | $138.19 Million | -0.04% |
| 2016-12-31 | $138.25 Million | +1.45% |
| 2015-12-31 | $136.28 Million | +0.23% |
| 2014-12-31 | $135.97 Million | +6.38% |
| 2013-12-31 | $127.81 Million | +36.37% |
| 2012-12-31 | $93.73 Million | +16.49% |
| 2011-12-31 | $80.46 Million | +20.77% |
| 2010-12-31 | $66.62 Million | -0.44% |
| 2009-12-31 | $66.92 Million | +9.65% |
| 2008-12-31 | $61.03 Million | -13.51% |
| 2007-12-31 | $70.56 Million | -5.41% |
| 2006-12-31 | $74.59 Million | +0.91% |
| 2005-12-31 | $73.92 Million | +1.03% |
| 2004-12-31 | $73.17 Million | +4.87% |
| 2003-12-31 | $69.77 Million | +10.50% |
| 2002-12-31 | $63.14 Million | +14.28% |
| 2001-12-31 | $55.25 Million | +9.49% |
| 2000-12-31 | $50.46 Million | +9.46% |
| 1999-12-31 | $46.10 Million | -7.61% |
| 1998-12-31 | $49.90 Million | +16.11% |
| 1997-12-31 | $42.97 Million | +28.06% |
| 1996-12-31 | $33.56 Million | +13.04% |
| 1995-12-31 | $29.68 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Penns Woods Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1046.5% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $115.33 Million | 56.20% |
| Common Stock | $44.81 Million | 21.84% |
| Other Comprehensive Income | $-5.29 Million | -2.58% |
| Other Components | $50.38 Million | 24.55% |
| Total Equity | $205.23 Million | 100.00% |
Penns Woods Bancorp Inc Competitors by Market Cap
The table below lists competitors of Penns Woods Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Nanjing Panda Electronics Company Limited
F:NNJ
|
$213.43 Million |
|
Movida Participações S.A
SA:MOVI3
|
$213.48 Million |
|
Beijing Changjiu Logistics Ltd
SHG:603569
|
$213.49 Million |
|
2Seventy Bio Inc
NASDAQ:TSVT
|
$213.50 Million |
|
C&F Financial Corporation
NASDAQ:CFFI
|
$213.32 Million |
|
Luca Mining Corp.
OTCQX:LUCMF
|
$213.32 Million |
|
Zhejiang Double Arrow Rubber Co Ltd
SHE:002381
|
$213.31 Million |
|
One Stop Systems Inc
NASDAQ:OSS
|
$213.28 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Penns Woods Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 191,556,000 to 205,231,000, a change of 13,675,000 (7.1%).
- Net income of 17,739,000 contributed positively to equity growth.
- Dividend payments of 9,646,000 reduced retained earnings.
- New share issuances of 947,000 increased equity.
- Other comprehensive income increased equity by 3,857,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $17.74 Million | +8.64% |
| Dividends Paid | $9.65 Million | -4.7% |
| Share Issuances | $947.00K | +0.46% |
| Other Comprehensive Income | $3.86 Million | +1.88% |
| Other Changes | $778.00K | +0.38% |
| Total Change | $- | 7.14% |
Book Value vs Market Value Analysis
This analysis compares Penns Woods Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.10x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 5.58x to 1.10x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1995-12-31 | $5.38 | $30.00 | x |
| 1996-12-31 | $6.05 | $30.00 | x |
| 1997-12-31 | $7.32 | $30.00 | x |
| 1998-12-31 | $7.33 | $30.00 | x |
| 1999-12-31 | $7.44 | $30.00 | x |
| 2000-12-31 | $8.16 | $30.00 | x |
| 2001-12-31 | $9.08 | $30.00 | x |
| 2002-12-31 | $10.50 | $30.00 | x |
| 2003-12-31 | $11.63 | $30.00 | x |
| 2004-12-31 | $10.18 | $30.00 | x |
| 2005-12-31 | $12.40 | $30.00 | x |
| 2006-12-31 | $12.64 | $30.00 | x |
| 2007-12-31 | $12.10 | $30.00 | x |
| 2008-12-31 | $10.54 | $30.00 | x |
| 2009-12-31 | $11.64 | $30.00 | x |
| 2010-12-31 | $11.58 | $30.00 | x |
| 2011-12-31 | $13.98 | $30.00 | x |
| 2012-12-31 | $16.28 | $30.00 | x |
| 2013-12-31 | $19.32 | $30.00 | x |
| 2014-12-31 | $18.82 | $30.00 | x |
| 2015-12-31 | $19.04 | $30.00 | x |
| 2016-12-31 | $19.46 | $30.00 | x |
| 2017-12-31 | $19.58 | $30.00 | x |
| 2018-12-31 | $20.40 | $30.00 | x |
| 2019-12-31 | $20.34 | $30.00 | x |
| 2020-12-31 | $23.30 | $30.00 | x |
| 2021-12-31 | $24.40 | $30.00 | x |
| 2022-12-31 | $23.75 | $30.00 | x |
| 2023-12-31 | $26.93 | $30.00 | x |
| 2024-12-31 | $27.21 | $30.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Penns Woods Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 8.64%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 14.87%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 10.88x
- Recent ROE (8.64%) is below the historical average (12.38%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1995 | 13.01% | 37.47% | 0.04x | 8.17x | $893.53K |
| 1996 | 15.92% | 50.18% | 0.04x | 7.74x | $1.99 Million |
| 1997 | 18.04% | 53.91% | 0.05x | 6.61x | $3.45 Million |
| 1998 | 12.96% | 45.33% | 0.04x | 6.85x | $1.48 Million |
| 1999 | 15.62% | 24.36% | 0.08x | 8.11x | $2.59 Million |
| 2000 | 13.00% | 21.31% | 0.08x | 7.82x | $1.51 Million |
| 2001 | 14.01% | 23.45% | 0.08x | 7.69x | $2.22 Million |
| 2002 | 14.07% | 25.71% | 0.07x | 7.48x | $2.57 Million |
| 2003 | 16.02% | 29.65% | 0.07x | 7.56x | $4.20 Million |
| 2004 | 15.15% | 28.59% | 0.07x | 7.47x | $3.77 Million |
| 2005 | 14.75% | 27.03% | 0.07x | 7.69x | $3.51 Million |
| 2006 | 12.93% | 22.55% | 0.07x | 7.94x | $2.19 Million |
| 2007 | 12.58% | 20.44% | 0.07x | 8.90x | $1.82 Million |
| 2008 | 13.11% | 19.25% | 0.06x | 10.70x | $1.90 Million |
| 2009 | 9.11% | 15.84% | 0.06x | 10.11x | $-598.60K |
| 2010 | 16.40% | 24.94% | 0.06x | 10.38x | $4.27 Million |
| 2011 | 15.36% | 27.72% | 0.06x | 9.49x | $4.32 Million |
| 2012 | 14.78% | 29.34% | 0.06x | 9.14x | $4.48 Million |
| 2013 | 11.02% | 25.45% | 0.05x | 9.48x | $1.30 Million |
| 2014 | 10.74% | 24.30% | 0.05x | 9.16x | $1.01 Million |
| 2015 | 10.20% | 23.83% | 0.04x | 9.69x | $270.10K |
| 2016 | 9.02% | 21.17% | 0.04x | 9.75x | $-1.35 Million |
| 2017 | 7.07% | 16.09% | 0.04x | 10.67x | $-4.05 Million |
| 2018 | 10.24% | 21.56% | 0.04x | 11.74x | $350.40K |
| 2019 | 10.11% | 20.29% | 0.05x | 10.75x | $176.00K |
| 2020 | 9.26% | 20.33% | 0.04x | 11.18x | $-1.21 Million |
| 2021 | 9.31% | 22.88% | 0.04x | 11.27x | $-1.19 Million |
| 2022 | 10.39% | 23.66% | 0.04x | 11.93x | $655.50K |
| 2023 | 8.67% | 16.61% | 0.05x | 11.51x | $-2.55 Million |
| 2024 | 8.64% | 14.87% | 0.05x | 10.88x | $-2.78 Million |
Industry Comparison
This section compares Penns Woods Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Penns Woods Bancorp Inc (PWOD) | $212.02 Million | 13.01% | 9.62x | $213.37 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |