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Penns Woods Bancorp, Inc. (PWOD)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$38.78 - $69.52$51.68
Multi-Stage$56.25 - $61.69$58.92
Blended Fair Value$55.30
Current Price$27.91
Upside98.13%
DecisionBuy

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 Rate7.21%7.21%7.21%
Growth Rate1.36%2.36%3.36%
Fair Value$38.78$51.68$69.52
Upside / Downside38.94%85.16%149.09%

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 Rate7.21%7.21%7.21%
Growth Rate1.36%2.36%3.36%
Year 1 PV (M)10.9511.0511.16
Year 2 PV (M)12.0512.2912.53
Year 3 PV (M)12.9913.3813.78
Year 4 PV (M)13.8014.3614.93
Year 5 PV (M)14.4915.2115.97
PV of Terminal Value (M)364.55382.89401.97
Equity Value (M)428.83449.19470.33
Shares Outstanding (M)7.627.627.62
Fair Value$56.25$58.92$61.69
Upside / Downside101.53%111.10%121.04%

High-Yield Dividend Screener

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