Penns Woods Bancorp Stock Retained Earnings

PWOD Stock

USD 30.41 0.28 0.93%

Penns Woods Bancorp fundamentals help investors to digest information that contributes to Penns Woods' financial success or failures. It also enables traders to predict the movement of Penns Stock. The fundamental analysis module provides a way to measure Penns Woods' intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to Penns Woods stock.

	Last Reported	Projected for Next Year
Retained Earnings	107.2 M	112.6 M
Retained Earnings Total Equity	112.9 M	71.5 M

The current year's Retained Earnings is expected to grow to about 112.6 M, whereas Retained Earnings Total Equity is forecasted to decline to about 71.5 M.

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Penns Woods Bancorp Company Retained Earnings Analysis

Penns Woods' Retained Earnings is a balance sheet account that refers to the portion of company income that is retained by the firm. In other words, it is a part of earnings that is not paid out as dividends or otherwise distributed to owners. Retained Earnings are calculated by adding net income to last period retained earnings and subtracting any dividends paid to owners.

Retained Earnings

Beginning RE + Income

-

Dividends

More About Retained Earnings | All Equity Analysis

Current Penns Woods Retained Earnings

107.24 M

Most of Penns Woods' fundamental indicators, such as Retained Earnings, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Penns Woods Bancorp is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.

Penns Retained Earnings Driver Correlations

Understanding the fundamental principles of building solid financial models for Penns Woods is extremely important. It helps to project a fair market value of Penns Stock properly, considering its historical fundamentals such as Retained Earnings. Since Penns Woods' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Penns Woods' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Penns Woods' interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Net Receivables	Total Liab	Total Current Assets	Common Stock	Accounts Payable	Short Term Debt	Long Term Debt	Treasury Stock	Property Plant Equipment	Good Will	Intangible Assets	Short Term Investments	Net Tangible Assets	Capital Surpluse	Long Term Investments	Long Term Debt Total	Short Long Term Debt	Earning Assets	Net Invested Capital	Current Deferred Revenue	Capital Stock
Total Assets		0.8	0.53	0.99	0.89	1.0	0.16	0.73	0.58	0.55	0.85	-0.88	0.97	0.68	-0.96	-0.54	0.92	0.84	-0.18	0.67	0.6	0.28	0.6	0.77	0.58
Total Stockholder Equity	0.8		0.2	0.76	0.57	0.8	0.24	0.89	0.16	0.2	0.51	-0.85	0.79	0.87	-0.81	-0.42	0.9	0.88	0.04	0.57	0.29	0.18	0.41	0.56	0.07
Net Debt	0.53	0.2		0.56	0.55	0.53	0.05	0.28	0.72	0.89	0.65	-0.34	0.44	0.16	-0.43	-0.17	0.35	0.34	0.02	0.13	0.83	0.31	0.82	0.23	0.74
Retained Earnings	0.99	0.76	0.56		0.93	0.99	0.07	0.67	0.63	0.57	0.86	-0.85	0.95	0.59	-0.93	-0.49	0.91	0.77	-0.28	0.64	0.6	0.32	0.63	0.82	0.64
Net Receivables	0.89	0.57	0.55	0.93		0.89	-0.04	0.45	0.72	0.62	0.86	-0.63	0.82	0.35	-0.82	-0.26	0.8	0.58	-0.57	0.55	0.61	0.49	0.69	0.85	0.74
Total Liab	1.0	0.8	0.53	0.99	0.89		0.16	0.72	0.58	0.56	0.85	-0.88	0.97	0.67	-0.96	-0.54	0.92	0.84	-0.19	0.67	0.6	0.28	0.61	0.78	0.58
Total Current Assets	0.16	0.24	0.05	0.07	-0.04	0.16		0.26	-0.17	0.19	0.05	-0.3	0.1	0.28	-0.13	-0.25	0.12	0.2	0.43	0.38	0.33	0.07	0.18	-0.16	-0.26
Common Stock	0.73	0.89	0.28	0.67	0.45	0.72	0.26		0.06	0.17	0.42	-0.81	0.67	0.81	-0.67	-0.31	0.69	0.8	0.22	0.39	0.25	0.01	0.26	0.32	0.08
Accounts Payable	0.58	0.16	0.72	0.63	0.72	0.58	-0.17	0.06		0.63	0.89	-0.26	0.58	0.08	-0.52	-0.27	0.48	0.32	-0.32	0.44	0.56	0.54	0.75	0.59	0.92
Short Term Debt	0.55	0.2	0.89	0.57	0.62	0.56	0.19	0.17	0.63		0.57	-0.37	0.45	0.16	-0.49	-0.26	0.4	0.34	-0.16	0.14	0.97	0.28	0.85	0.28	0.66
Long Term Debt	0.85	0.51	0.65	0.86	0.86	0.85	0.05	0.42	0.89	0.57		-0.61	0.83	0.39	-0.78	-0.43	0.75	0.6	-0.24	0.7	0.55	0.52	0.72	0.75	0.81
Treasury Stock	-0.88	-0.85	-0.34	-0.85	-0.63	-0.88	-0.3	-0.81	-0.26	-0.37	-0.61		-0.86	-0.73	0.83	0.69	-0.83	-0.79	-0.11	-0.68	-0.49	0.03	-0.39	-0.61	-0.22
Property Plant Equipment	0.97	0.79	0.44	0.95	0.82	0.97	0.1	0.67	0.58	0.45	0.83	-0.86		0.73	-0.97	-0.63	0.93	0.87	-0.09	0.73	0.51	0.22	0.52	0.81	0.53
Good Will	0.68	0.87	0.16	0.59	0.35	0.67	0.28	0.81	0.08	0.16	0.39	-0.73	0.73		-0.77	-0.55	0.77	0.96	0.3	0.45	0.24	-0.02	0.27	0.33	0.01
Intangible Assets	-0.96	-0.81	-0.43	-0.93	-0.82	-0.96	-0.13	-0.67	-0.52	-0.49	-0.78	0.83	-0.97	-0.77		0.59	-0.94	-0.9	0.15	-0.68	-0.52	-0.29	-0.54	-0.78	-0.49
Short Term Investments	-0.54	-0.42	-0.17	-0.49	-0.26	-0.54	-0.25	-0.31	-0.27	-0.26	-0.43	0.69	-0.63	-0.55	0.59		-0.52	-0.58	-0.32	-0.57	-0.37	0.29	-0.2	-0.34	-0.17
Net Tangible Assets	0.92	0.9	0.35	0.91	0.8	0.92	0.12	0.69	0.48	0.4	0.75	-0.83	0.93	0.77	-0.94	-0.52		0.88	-0.2	0.68	0.45	0.35	0.59	0.8	0.39
Capital Surpluse	0.84	0.88	0.34	0.77	0.58	0.84	0.2	0.8	0.32	0.34	0.6	-0.79	0.87	0.96	-0.9	-0.58	0.88		0.13	0.53	0.4	0.11	0.43	0.52	0.27
Long Term Investments	-0.18	0.04	0.02	-0.28	-0.57	-0.19	0.43	0.22	-0.32	-0.16	-0.24	-0.11	-0.09	0.3	0.15	-0.32	-0.2	0.13		0.03	-0.06	-0.45	-0.22	-0.49	-0.43
Long Term Debt Total	0.67	0.57	0.13	0.64	0.55	0.67	0.38	0.39	0.44	0.14	0.7	-0.68	0.73	0.45	-0.68	-0.57	0.68	0.53	0.03		0.23	0.4	0.35	0.74	0.22
Short Long Term Debt	0.6	0.29	0.83	0.6	0.61	0.6	0.33	0.25	0.56	0.97	0.55	-0.49	0.51	0.24	-0.52	-0.37	0.45	0.4	-0.06	0.23		0.17	0.82	0.3	0.56
Earning Assets	0.28	0.18	0.31	0.32	0.49	0.28	0.07	0.01	0.54	0.28	0.52	0.03	0.22	-0.02	-0.29	0.29	0.35	0.11	-0.45	0.4	0.17		0.6	0.47	0.4
Net Invested Capital	0.6	0.41	0.82	0.63	0.69	0.61	0.18	0.26	0.75	0.85	0.72	-0.39	0.52	0.27	-0.54	-0.2	0.59	0.43	-0.22	0.35	0.82	0.6		0.44	0.63
Current Deferred Revenue	0.77	0.56	0.23	0.82	0.85	0.78	-0.16	0.32	0.59	0.28	0.75	-0.61	0.81	0.33	-0.78	-0.34	0.8	0.52	-0.49	0.74	0.3	0.47	0.44		0.5
Capital Stock	0.58	0.07	0.74	0.64	0.74	0.58	-0.26	0.08	0.92	0.66	0.81	-0.22	0.53	0.01	-0.49	-0.17	0.39	0.27	-0.43	0.22	0.56	0.4	0.63	0.5

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Penns Retained Earnings Historical Pattern

Today, most investors in Penns Woods Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Penns Woods' growth ratios. Consistent increases or drops in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's retained earnings growth rates may not be enough to decide which company is a better investment. That's why investors frequently use a static breakdown of Penns Woods retained earnings as a starting point in their analysis.

Penns Woods Retained Earnings

Timeline

Retained Earnings shows how the firm utilizes its profits over time. In simple terms, investors can think of retained earnings as the amount of profit the company has reinvested in the business since its inceptions. However the methodology to make a decision over how much profit to retain is different between companies in different industries. For example, growing industries tend to retain more of their earnings than more matured industries as they need more assets investment to sustain their growth.

Competition

Predict Penns Woods

Retained Earnings Over Time

Based on the latest financial disclosure, Penns Woods Bancorp has a Retained Earnings of 107.24 M. This is 99.3% lower than that of the Banks sector and significantly higher than that of the Financials industry. The retained earnings for all United States stocks is 98.85% higher than that of the company.

Penns Retained Earnings Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Penns Woods' direct or indirect competition against its Retained Earnings to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Penns Woods could also be used in its relative valuation, which is a method of valuing Penns Woods by comparing valuation metrics of similar companies.

Penns Woods is currently under evaluation in retained earnings category among its peers.

Penns Woods Current Valuation Drivers

We derive many important indicators used in calculating different scores of Penns Woods from analyzing Penns Woods' financial statements. These drivers represent accounts that assess Penns Woods' ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Penns Woods' important valuation drivers and their relationship over time.

	2019	2020	2021	2022	2023	2024 (projected)
Market Cap	250.3M	183.2M	167.0M	187.9M	160.1M	126.0M
Enterprise Value	372.7M	131.8M	87.8M	406.4M	523.7M	549.9M

Penns Woods ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Penns Woods' sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Penns Woods' managers, analysts, and investors.

Environmental

Governance

Social

Penns Fundamentals

	Return On Equity	0.1
	Return On Asset	0.0088
	Profit Margin	0.29 %
	Operating Margin	0.39 %
	Current Valuation	519.48 M
	Shares Outstanding	7.55 M
	Shares Owned By Insiders	4.05 %
	Shares Owned By Institutions	24.76 %
	Number Of Shares Shorted	16.29 K
	Price To Earning	11.75 X
	Price To Book	1.13 X
	Price To Sales	3.38 X
	Revenue	63.34 M
	Gross Profit	64.58 M
	EBITDA	960 K
	Net Income	16.61 M
	Cash And Equivalents	36.86 M
	Cash Per Share	5.23 X
	Total Debt	401.09 M
	Debt To Equity	0.67 %
	Book Value Per Share	26.96 X
	Cash Flow From Operations	18.82 M
	Short Ratio	1.46 X
	Earnings Per Share	2.64 X
	Number Of Employees	308
	Beta	0.46
	Market Capitalization	225.43 M
	Total Asset	2.2 B
	Retained Earnings	107.24 M
	Annual Yield	0.04 %
	Five Year Return	4.91 %
	Net Asset	2.2 B
	Last Dividend Paid	1.28

About Penns Woods Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Penns Woods Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Penns Woods using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Penns Woods Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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When determining whether Penns Woods Bancorp is a strong investment it is important to analyze Penns Woods' competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Penns Woods' future performance. For an informed investment choice regarding Penns Stock, refer to the following important reports:

How To Invest In Penns

Details

Is Penns Stock a good investment?

Details

What is Penns Woods' Net Worth?

Details

Largest Regional Banks Companies

View

Largest Banks - Regional Companies

View

Check out Penns Woods Piotroski F Score and Penns Woods Altman Z Score analysis.

You can also try the Equity Valuation module to check real value of public entities based on technical and fundamental data.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Penns Woods. If investors know Penns will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Penns Woods listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

1.053

Dividend Share

1.28

Earnings Share

2.64

Revenue Per Share

9.122

Quarterly Revenue Growth

0.21

The market value of Penns Woods Bancorp is measured differently than its book value, which is the value of Penns that is recorded on the company's balance sheet. Investors also form their own opinion of Penns Woods' value that differs from its market value or its book value, called intrinsic value, which is Penns Woods' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Penns Woods' market value can be influenced by many factors that don't directly affect Penns Woods' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Penns Woods' value and its price as these two are different measures arrived at by different means. Investors typically determine if Penns Woods is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Penns Woods' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Penns Woods Bancorp Stock Retained Earnings

Penns Woods Bancorp Company Retained Earnings Analysis

Retained Earnings

Beginning RE + Income

-

Dividends

Current Penns Woods Retained Earnings

Penns Retained Earnings Driver Correlations

Penns Retained Earnings Historical Pattern

Penns Retained Earnings Peer Comparison

Penns Woods Current Valuation Drivers

Penns Woods ESG Sustainability

Penns Fundamentals

About Penns Woods Fundamental Analysis

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