Definitive Analysis
Definitive Analysis

Financial Statements

Fundamentals

Valuations

Miscellaneous

Analysis Mode

Search

Penns Woods Bancorp, Inc. (PWOD)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$29.29 - $46.58$37.16
Multi-Stage$38.20 - $41.81$39.97
Blended Fair Value$38.57
Current Price$27.91
Upside38.18%
DecisionDon't Buy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS1.68%0.63%1.271.201.191.191.181.161.161.161.171.18
YoY Growth--5.26%1.42%-0.06%0.23%1.62%0.66%-0.22%-0.74%-0.71%-0.97%
Dividend Yield--4.53%6.37%5.13%4.85%4.91%4.79%4.20%4.11%4.03%4.58%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)21.30
(-) Cash Dividends Paid (M)9.68
(=) Cash Retained (M)11.62
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)4.262.661.60
Cash Retained (M)11.6211.6211.62
(-) Cash Required (M)-4.26-2.66-1.60
(=) Excess Retained (M)7.368.9610.02
(/) Shares Outstanding (M)7.627.627.62
(=) Excess Retained per Share0.971.171.31
LTM Dividend per Share1.271.271.27
(+) Excess Retained per Share0.971.171.31
(=) Adjusted Dividend2.232.442.58
WACC / Discount Rate9.10%9.10%9.10%
Growth Rate1.36%2.36%3.36%
Fair Value$29.29$37.16$46.58
Upside / Downside4.95%33.14%66.91%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)21.3021.8022.3222.8523.3923.9424.66
Payout Ratio45.44%54.35%63.27%72.18%81.09%90.00%92.50%
Projected Dividends (M)9.6811.8514.1216.4918.9621.5422.81

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate9.10%9.10%9.10%
Growth Rate1.36%2.36%3.36%
Year 1 PV (M)10.7610.8610.97
Year 2 PV (M)11.6311.8612.10
Year 3 PV (M)12.3312.7013.07
Year 4 PV (M)12.8713.3913.92
Year 5 PV (M)13.2713.9414.63
PV of Terminal Value (M)230.40241.99254.05
Equity Value (M)291.26304.74318.74
Shares Outstanding (M)7.627.627.62
Fair Value$38.20$39.97$41.81
Upside / Downside36.88%43.22%49.80%

High-Yield Dividend Screener

« Prev Page 28 of 151 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
U96.SISembcorp Industries Ltd5.19%$0.3229.05%
CIN.AXCarlton Investments Limited5.18%$1.7961.04%
MERK.JKPT Merck Tbk5.18%$170.3142.74%
0QQ2.LGeberit AG5.17%$25.4271.02%
2640.TWOTaiwan Taxi Co.,Ltd.5.17%$7.0177.56%
603508.SSHenan Thinker Automatic Equipment Co., Ltd.5.17%$1.4488.86%
RICHT.BDChemical Works5.17%$509.8341.05%
FPT.BKFrasers Property (Thailand) Public Company Limited5.16%$0.3140.49%
YSON.FSonae, SGPS, S.A.5.16%$0.0960.40%
0QS5.LBossard Holding AG5.15%$7.9044.91%
2341.HKEcoGreen International Group Limited5.15%$0.109.70%
4942.TWChia Chang Co., Ltd5.15%$1.9967.15%
601555.SSSoochow Securities Co., Ltd.5.15%$0.4766.76%
601686.SSTianjin You Fa Steel Pipe Group Stock Co., Ltd.5.15%$0.3256.09%
6979.HKZJLD Group Inc5.15%$0.4556.09%
3118.TWOLevel Biotechnology Inc.5.14%$1.7080.08%
ALTOU.PATouax5.14%$0.2220.71%
BE8.BKBeryl 8 Plus Public Company Limited5.14%$0.2475.69%
KEG-UN.TOThe Keg Royalties Income Fund5.14%$0.9684.63%
QEWS.QAQatar Electricity & Water Company Q.P.S.C.5.14%$0.7767.87%
6805.HKKimou Environmental Holding Limited5.13%$0.1360.10%
9521.SRInmar Company for Real Estate Development and Investment5.13%$1.0024.60%
MTI.BKMuang Thai Insurance Public Company Limited5.13%$0.8045.07%
3218.TWOUniversal Vision Biotechnology Co., Ltd.5.12%$7.4771.57%
600694.SSDashang Co., Ltd.5.12%$0.9263.22%
601877.SSZhejiang Chint Electrics Co., Ltd.5.12%$1.4367.03%
GL9.IRGlanbia plc5.12%$0.7450.22%
STBP3.SASantos Brasil Participações S.A.5.12%$0.7478.31%
WSU.DEWashTec AG5.12%$2.4092.47%
0RUJ.LDelta Plus Group5.11%$2.4829.42%
2887.TWTS Financial Holding Co., Ltd.5.11%$1.0493.64%
3003.SRCity Cement Company5.11%$0.6566.06%
ALVU.PAVente-Unique.com S.A.5.11%$0.7945.95%
CAML3.SACamil Alimentos S.A.5.11%$0.2860.82%
RECTRectitude Holdings Ltd Ordinary Shares5.11%$0.0926.70%
603518.SSJinhong Fashion Group Co.,Ltd.5.10%$0.4966.21%
6242.TWOLi Kang Biomedical Co., Ltd.5.10%$2.0077.54%
ECMPA.ASEurocommercial Properties N.V.5.10%$1.3355.30%
NOMDNomad Foods Limited5.09%$0.6246.03%
2249.TWOYoung Shine Electric Co., Ltd.5.08%$4.7121.31%
ARZZ3.SAArezzo Indústria e Comércio S.A.5.08%$2.6767.63%
CMAN.BKChememan Public Company Limited5.08%$0.1231.80%
LST.BKLam Soon (Thailand) Public Company Limited5.08%$0.2436.51%
VEI.OLVeidekke ASA5.08%$8.9090.00%
013570.KSDY Corporation5.07%$230.5420.72%
086790.KSHana Financial Group Inc.5.07%$4,736.7233.98%
129260.KSIntergis Co., Ltd5.07%$121.3822.66%
CUP-U.TOCaribbean Utilities Company, Ltd.5.07%$0.6964.16%
MMAQ3.SAMinasmaquinas S.A.5.07%$129.2112.04%
QATI.QAQatar Insurance Company Q.S.P.C.5.07%$0.1045.46%