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 39 of 151 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
002450.KSSAMICK MUSICAL INSTRUMENT Co., Ltd4.08%$49.7918.17%
003380.KQHarim Holdings Co., Ltd.4.08%$447.0736.82%
2798.HKPerennial Energy Holdings Limited4.08%$0.059.52%
N2IU.SIMapletree Pan Asia Commercial Trust4.08%$0.0645.97%
WIPRO.BOWipro Limited4.08%$10.9885.26%
000421.SZNanjing Public Utilities Development Co., Ltd.4.07%$0.2891.69%
003030.KSSeAH Steel Holdings Corporation4.07%$5,154.5338.17%
2154.TOpen Up Group Inc.4.07%$75.0151.97%
6411.TWOAmazing Microelectronic Corp.4.07%$3.1585.74%
KINO.JKPT Kino Indonesia Tbk4.06%$56.1756.49%
WIIM.JKPT Wismilak Inti Makmur Tbk4.06%$64.8035.76%
134380.KSMiwon Chemicals Co., Ltd.4.05%$3,833.4233.65%
2912.TWPresident Chain Store Corporation4.05%$8.9883.72%
5438.TWOTeco Image Systems Co., Ltd.4.05%$0.9378.68%
IG.MIItalgas S.p.A.4.05%$0.3936.35%
TWR.AXTower Limited4.05%$0.0719.30%
002215.SZShenzhen Noposion Agrochemicals Co.,Ltd4.04%$0.4361.18%
1603.TWChina Wire & Cable Co., Ltd.4.04%$1.5040.87%
601567.SSNingbo Sanxing Medical Electric Co.,Ltd.4.04%$0.9365.61%
6846.TWOGreenyn Biotechnology Co., Ltd4.04%$2.9867.75%
ASEFA.BKAsefa Public Company Limited4.04%$0.1436.27%
JLG.AXJohns Lyng Group Limited4.04%$0.1653.65%
004910.KSChokwang Paint Co., Ltd.4.03%$200.1355.11%
JTPE.JKPT Jasuindo Tiga Perkasa Tbk4.03%$24.0060.60%
MTDL.JKPT Metrodata Electronics Tbk4.03%$24.0039.08%
SPINNEYS.AESpinneys 1961 Hold4.03%$0.0666.84%
605077.SSZhejiang Huakang Pharmaceutical Co., Ltd.4.02%$0.5970.96%
6190.HKBank of Jiujiang Co., Ltd.4.02%$0.079.94%
THANI.BKRatchthani Leasing Public Company Limited4.02%$0.0745.63%
010770.KSPyung Hwa Holdings Co., Ltd.4.01%$149.9011.24%
0RPP.LValartis Group AG4.01%$0.499.63%
301004.SZZhejiang Cayi Vacuum Container Co., Ltd.4.01%$2.0954.91%
4968.TArakawa Chemical Industries, Ltd.4.01%$48.9456.00%
FESA3.SACia de Ferro Ligas da Bahia - FERBASA4.01%$0.4676.61%
HBOR3.SAHelbor Empreendimentos S.A.4.01%$0.1032.33%
089860.KSLOTTE rental co.,ltd.4.00%$1,199.9835.09%
0OJJ.LACTIA Group S.A.4.00%$0.1233.82%
2128.HKChina Lesso Group Holdings Limited4.00%$0.1915.85%
3338.TWTaiSol Electronics Co., Ltd.4.00%$2.0185.10%
AIL.DEL'Air Liquide S.A.4.00%$6.3556.81%
CUBLionheart Holdings4.00%$0.4393.60%
DHL.DEDeutsche Post AG4.00%$1.8860.01%
FCMC.PASociété Fermière du Casino Municipal de Cannes4.00%$85.5728.90%
009160.KSSIMPAC Inc.3.99%$202.3392.46%
033780.KSKT&G Corporation3.99%$5,606.0952.73%
603309.SSWell Lead Medical Co., Ltd.3.99%$0.5464.79%
6761.TWOWendell Industrial Co., Ltd3.99%$5.6281.14%
MULT3.SAMultiplan Empreendimentos Imobiliários S.A.3.99%$1.0842.74%
300641.SZJiangsu Zhengdan Chemical Industry Co., Ltd.3.98%$0.7035.38%
5126.KLSarawak Oil Palms Berhad3.98%$0.1529.34%