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Penns Woods Bancorp Inc
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Let's analyse Penns Woods Bancorp Inc together

PenkeI guess you are interested in Penns Woods Bancorp Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Penns Woods Bancorp Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Penns Woods Bancorp Inc (30 sec.)










What can you expect buying and holding a share of Penns Woods Bancorp Inc? (30 sec.)

How much money do you get?

How much money do you get?
$1.22
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
$25.49
Expected worth in 1 year
$28.67
How sure are you?
95.1%

+ What do you gain per year?

Total Gains per Share
$4.40
Return On Investment
22.7%

For what price can you sell your share?

Current Price per Share
$19.41
Expected price per share
$18.02 - $22.85
How sure are you?
50%

1. Valuation of Penns Woods Bancorp Inc (5 min.)




Live pricePrice per Share (EOD)

$19.41

Intrinsic Value Per Share

$-5.74 - $28.10

Total Value Per Share

$19.75 - $53.59

2. Growth of Penns Woods Bancorp Inc (5 min.)




Is Penns Woods Bancorp Inc growing?

Current yearPrevious yearGrowGrow %
How rich?$191.5m$166.6m$11.9m6.7%

How much money is Penns Woods Bancorp Inc making?

Current yearPrevious yearGrowGrow %
Making money$4.1m$4.3m-$203.5k-4.9%
Net Profit Margin22.4%26.1%--

How much money comes from the company's main activities?

3. Financial Health of Penns Woods Bancorp Inc (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Penns Woods Bancorp Inc? (5 min.)

Welcome investor! Penns Woods Bancorp Inc's management wants to use your money to grow the business. In return you get a share of Penns Woods Bancorp Inc.

What can you expect buying and holding a share of Penns Woods Bancorp Inc?

First you should know what it really means to hold a share of Penns Woods Bancorp Inc. And how you can make/lose money.

Speculation

The Price per Share of Penns Woods Bancorp Inc is $19.41. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Penns Woods Bancorp Inc.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Penns Woods Bancorp Inc, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $25.49. Based on the TTM, the Book Value Change Per Share is $0.79 per quarter. Based on the YOY, the Book Value Change Per Share is $-0.15 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.30 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Penns Woods Bancorp Inc.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps0.743.8%0.552.8%0.583.0%0.542.8%0.492.5%
Usd Book Value Change Per Share2.2611.7%0.794.1%-0.15-0.8%0.321.6%0.211.1%
Usd Dividend Per Share0.321.6%0.301.6%0.301.5%0.301.5%0.301.5%
Usd Total Gains Per Share2.5813.3%1.105.7%0.150.8%0.623.2%0.512.6%
Usd Price Per Share22.51-22.93-24.26-27.26-36.07-
Price to Earnings Ratio7.61-11.50-10.73-13.17-21.49-
Price-to-Total Gains Ratio8.72-41.21--328.33--25.36-101.85-
Price to Book Ratio0.88-0.97-1.09-1.26-1.86-
Price-to-Total Gains Ratio8.72-41.21--328.33--25.36-101.85-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share19.41
Number of shares51
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.300.30
Usd Book Value Change Per Share0.790.32
Usd Total Gains Per Share1.100.62
Gains per Quarter (51 shares)56.0931.61
Gains per Year (51 shares)224.36126.45
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1621622146165116
2124324438123130242
3187486662184196368
4249649886245261494
53118111110306326620
63739731334368391746
743511351558429456872
849812971782490521998
9560145920065515871124
10622162222306136521250

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%41.00.00.0100.0%115.00.00.0100.0%
Book Value Change Per Share4.00.00.0100.0%8.04.00.066.7%15.05.00.075.0%29.011.01.070.7%74.038.03.064.3%
Dividend per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%41.00.00.0100.0%115.00.00.0100.0%
Total Gains per Share4.00.00.0100.0%10.02.00.083.3%18.02.00.090.0%39.02.00.095.1%98.017.00.085.2%

Fundamentals of Penns Woods Bancorp Inc

About 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. It accepts time, demand, and savings deposits, including super NOW accounts, statement savings accounts, money market accounts, and certificates of deposit, as well as checking and individual retirement account (IRAs) accounts. The company also offers loan products comprising residential, commercial, and construction real estate loans; agricultural loans for the purchase or improvement of real estate; commercial loans for the acquisition and improvement of real estate, purchase of equipment, and working capital purposes; letters of credit; consumer loans, such as construction and residential mortgages, home equity loans and lines, automobile financing, personal loans and lines of credit, and overdraft and check lines; and revolving credit loans with overdraft protection. In addition, it provides securities brokerage and financial planning services, which include the sale of life insurance products, annuities, and estate planning services; property and casualty, and auto insurance products; safe deposit services; ATM services; and Internet and telephone banking services. Further, the company engages in real estate transactions and investment activities. It operates through a network of offices located in Clinton, Lycoming, Centre, Montour, Union, Blair, and Luzerne Counties, Pennsylvania. Penns Woods Bancorp, Inc. was founded in 1934 and is headquartered in Williamsport, Pennsylvania.

Fundamental data was last updated by Penke on 2024-03-22 01:30:06.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
Liquidity Details
 Compared to previous yearCompared to industry
The company is just able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is expensive.

1.1. Profitability of Penns Woods Bancorp Inc.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Penns Woods Bancorp Inc earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Penns Woods Bancorp Inc to the Banks - Regional industry mean.
  • A Net Profit Margin of 19.7% means that $0.20 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Penns Woods Bancorp Inc:

  • The MRQ is 19.7%. The company is making a huge profit. +2
  • The TTM is 22.4%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ19.7%TTM22.4%-2.7%
TTM22.4%YOY26.1%-3.7%
TTM22.4%5Y25.0%-2.6%
5Y25.0%10Y24.2%+0.9%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ19.7%18.4%+1.3%
TTM22.4%28.0%-5.6%
YOY26.1%25.2%+0.9%
5Y25.0%22.8%+2.2%
10Y24.2%19.8%+4.4%
1.1.2. Return on Assets

Shows how efficient Penns Woods Bancorp Inc is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Penns Woods Bancorp Inc to the Banks - Regional industry mean.
  • 0.3% Return on Assets means that Penns Woods Bancorp Inc generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Penns Woods Bancorp Inc:

  • The MRQ is 0.3%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.2%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.3%TTM0.2%+0.1%
TTM0.2%YOY0.2%0.0%
TTM0.2%5Y0.2%0.0%
5Y0.2%10Y0.2%0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.3%0.1%+0.2%
TTM0.2%0.2%0.0%
YOY0.2%0.2%+0.0%
5Y0.2%0.2%+0.0%
10Y0.2%0.2%+0.0%
1.1.3. Return on Equity

Shows how efficient Penns Woods Bancorp Inc is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Penns Woods Bancorp Inc to the Banks - Regional industry mean.
  • 2.9% Return on Equity means Penns Woods Bancorp Inc generated $0.03 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Penns Woods Bancorp Inc:

  • The MRQ is 2.9%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 2.3%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ2.9%TTM2.3%+0.6%
TTM2.3%YOY2.6%-0.3%
TTM2.3%5Y2.4%-0.1%
5Y2.4%10Y2.4%+0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ2.9%1.4%+1.5%
TTM2.3%2.5%-0.2%
YOY2.6%2.7%-0.1%
5Y2.4%2.5%-0.1%
10Y2.4%2.8%-0.4%

1.2. Operating Efficiency of Penns Woods Bancorp Inc.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Penns Woods Bancorp Inc is operating .

  • Measures how much profit Penns Woods Bancorp Inc makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Penns Woods Bancorp Inc to the Banks - Regional industry mean.
  • An Operating Margin of 0.0% means the company generated $0.00  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Penns Woods Bancorp Inc:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM29.6%-29.6%
TTM29.6%YOY43.7%-14.1%
TTM29.6%5Y48.1%-18.5%
5Y48.1%10Y48.9%-0.8%
1.2.2. Operating Ratio

Measures how efficient Penns Woods Bancorp Inc is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.10 means that the operating costs are $0.10 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Penns Woods Bancorp Inc:

  • The MRQ is 0.100. The company is very efficient in keeping operating costs low. +2
  • The TTM is -0.335.
Trends
Current periodCompared to+/- 
MRQ0.100TTM-0.335+0.434
TTM-0.335YOY-0.093-0.242
TTM-0.3355Y-0.037-0.298
5Y-0.03710Y0.074-0.110

1.3. Liquidity of Penns Woods Bancorp Inc.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Penns Woods Bancorp Inc is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.03 means the company has $0.03 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Penns Woods Bancorp Inc:

  • The MRQ is 0.034. The company is unable to pay all its short-term debts. -2
  • The TTM is 1.263. The company is just able to pay all its short-term debts.
Trends
Current periodCompared to+/- 
MRQ0.034TTM1.263-1.230
TTM1.263YOY14.674-13.411
TTM1.2635Y84.313-83.050
5Y84.31310Y63.614+20.699
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM1.2630.124+1.139
YOY14.6740.225+14.449
5Y84.3130.219+84.094
10Y63.6140.131+63.483
1.3.2. Quick Ratio

Measures if Penns Woods Bancorp Inc is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Penns Woods Bancorp Inc to the Banks - Regional industry mean.
  • A Quick Ratio of 0.12 means the company can pay off $0.12 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Penns Woods Bancorp Inc:

  • The MRQ is 0.120. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 2.277. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ0.120TTM2.277-2.157
TTM2.277YOY41.423-39.146
TTM2.2775Y37.530-35.253
5Y37.53010Y26.377+11.153

1.4. Solvency of Penns Woods Bancorp Inc.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Penns Woods Bancorp Inc assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Penns Woods Bancorp Inc to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.91 means that Penns Woods Bancorp Inc assets are financed with 91.3% credit (debt) and the remaining percentage (100% - 91.3%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Penns Woods Bancorp Inc:

  • The MRQ is 0.913. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.917. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.913TTM0.917-0.003
TTM0.917YOY0.914+0.003
TTM0.9175Y0.913+0.004
5Y0.91310Y0.906+0.006
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9130.915-0.002
TTM0.9170.9170.000
YOY0.9140.919-0.005
5Y0.9130.919-0.006
10Y0.9060.927-0.021
1.4.2. Debt to Equity Ratio

Measures if Penns Woods Bancorp Inc is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Penns Woods Bancorp Inc to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,053.7% means that company has $10.54 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Penns Woods Bancorp Inc:

  • The MRQ is 10.537. The company is unable to pay all its debts with equity. -1
  • The TTM is 11.030. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ10.537TTM11.030-0.493
TTM11.030YOY10.565+0.465
TTM11.0305Y10.457+0.573
5Y10.45710Y9.755+0.702
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ10.53710.829-0.292
TTM11.03011.013+0.017
YOY10.56511.363-0.798
5Y10.45711.437-0.980
10Y9.75513.038-3.283

2. Market Valuation of Penns Woods Bancorp Inc

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Penns Woods Bancorp Inc generates.

  • Above 15 is considered overpriced but always compare Penns Woods Bancorp Inc to the Banks - Regional industry mean.
  • A PE ratio of 7.61 means the investor is paying $7.61 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Penns Woods Bancorp Inc:

  • The EOD is 6.564. Based on the earnings, the company is cheap. +2
  • The MRQ is 7.612. Based on the earnings, the company is underpriced. +1
  • The TTM is 11.501. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD6.564MRQ7.612-1.048
MRQ7.612TTM11.501-3.889
TTM11.501YOY10.728+0.774
TTM11.5015Y13.173-1.672
5Y13.17310Y21.485-8.312
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD6.5647.491-0.927
MRQ7.6126.680+0.932
TTM11.5015.295+6.206
YOY10.7286.943+3.785
5Y13.1739.770+3.403
10Y21.4859.943+11.542
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Penns Woods Bancorp Inc:

  • The EOD is 9.570. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 11.098. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is -4.527. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD9.570MRQ11.098-1.528
MRQ11.098TTM-4.527+15.626
TTM-4.527YOY8.756-13.284
TTM-4.5275Y6.530-11.057
5Y6.53010Y10.539-4.009
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD9.570-2.094+11.664
MRQ11.098-1.868+12.966
TTM-4.527-0.342-4.185
YOY8.7566.448+2.308
5Y6.5300.429+6.101
10Y10.5390.091+10.448
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Penns Woods Bancorp Inc is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.88 means the investor is paying $0.88 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Penns Woods Bancorp Inc:

  • The EOD is 0.761. Based on the equity, the company is cheap. +2
  • The MRQ is 0.883. Based on the equity, the company is cheap. +2
  • The TTM is 0.967. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.761MRQ0.883-0.122
MRQ0.883TTM0.967-0.084
TTM0.967YOY1.094-0.127
TTM0.9675Y1.258-0.292
5Y1.25810Y1.855-0.597
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.7610.433+0.328
MRQ0.8830.386+0.497
TTM0.9670.470+0.497
YOY1.0940.642+0.452
5Y1.2580.795+0.463
10Y1.8551.025+0.830
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Penns Woods Bancorp Inc.

3.1. Institutions holding Penns Woods Bancorp Inc

Institutions are holding 28.442% of the shares of Penns Woods Bancorp Inc.

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2023-12-31BlackRock Inc5.56120.00024175887920923.4084
2023-12-31Vanguard Group Inc4.39260.000232983761061.8861
2023-12-31Dimensional Fund Advisors, Inc.3.86930.0019290543-1063-0.3645
2023-12-31Geode Capital Management, LLC1.84650.000313865161114.6107
2023-12-31Renaissance Technologies Corp1.81630.00481363872896826.9673
2023-12-31Hudock Moyer Wealth Resources, LLC1.15920.420187045-142-0.1629
2023-12-31State Street Corporation1.10420.000182915-1843-2.1744
2023-12-31Bridgeway Capital Management, LLC0.96240.03497226519202.7294
2023-12-31Northern Trust Corp0.81210.00036097722723.8702
2023-12-31Cetera Advisor Networks LLC0.6480.00614866000
2023-12-31Commonwealth Equity Services Inc0.62390.001946845-1125-2.3452
2023-12-31Berkshire Asset Management Inc0.37910.03652846820007.5563
2023-12-31Quadrature Capital LLP0.35240.011226465264650
2023-12-31Two Sigma Advisers, LLC0.33290.001325000250000
2023-12-31Private Advisor Group, LLC0.32680.004324536245360
2023-12-31Two Sigma Investments LLC0.31240.001223456234560
2023-12-31Empowered Funds, LLC0.29790.01262237019209.3888
2023-12-31Bank of New York Mellon Corp0.27170.00012040110.0049
2023-12-31Charles Schwab Investment Management Inc0.23870.00011792600
2023-12-31Evergreen Wealth Solutions, LLC0.23710.342617805227414.6417
Total 25.54470.88071918140+226065+11.8%

3.2. Funds holding Penns Woods Bancorp Inc

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2024-02-29Vanguard Total Stock Mkt Idx Inv2.55430.000219180400
2024-02-29iShares Russell 2000 ETF2.31020.0054173473-28-0.0161
2024-02-29Vanguard Institutional Extnd Mkt Idx Tr1.26710.00189514800
2024-02-01iShares Russell 2000 Value ETF0.86920.011465268820.1258
2023-12-31Fidelity Small Cap Index0.83790.0056629215570.8931
2024-01-31DFA US Micro Cap I0.68560.01635148000
2024-01-31DFA US Small Cap Value I0.58370.00624383200
2024-01-31DFA US Small Cap I0.56490.00624242000
2024-01-31Fidelity Extended Market Index0.49840.00233742200
2024-01-31DFA US Targeted Value I0.48710.00613657900
2023-12-31Bridgeway Omni Small-Cap Value0.44250.05833322900
2023-12-31Bridgeway Omni Small-Cap Value N0.44250.05843322900
2023-09-30BlackRock Extended Mkt Composite0.33720.0038253201200.4762
2024-02-29Vanguard Russell 2000 ETF0.33290.00512499617807.6671
2024-02-29EA Bridgeway Omni Small-Cap Value ETF0.31380.039423560500.2127
2023-12-31BlackRock Extended Equity Market K0.29180.003621913-44-0.2004
2024-02-29State St Russell Sm Cap® Indx SL Cl I0.2770.00432080000
2023-12-31NT R2000 Value Index Fund - NL0.24930.011218720-433-2.2607
2023-12-31NT R2000 Index Fund - NL0.24750.005818587-405-2.1325
2024-01-31DFA US Core Equity 2 I0.23520.00121765900
Total 13.82810.25261038360+1679+0.2%

3.3. Insider Transactions

Insiders are holding 4.033% of the shares of Penns Woods Bancorp Inc.

DateOwnerTypeAmountPricePost Transaction AmountLink
2023-08-28Charles E KranichBUY66825.11
2023-07-31Charles E KranichBUY25026.75
2023-05-08Charles E KranichBUY100022.27
2023-05-04Charles E KranichBUY180022.53

4. Summary

4.1. Key Performance Indicators

The key performance indicators of Penns Woods Bancorp Inc compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--2.2650.795+185%-0.153+107%0.319+609%0.207+995%
Book Value Per Share--25.49423.772+7%22.180+15%21.987+16%20.126+27%
Current Ratio--0.0341.263-97%14.674-100%84.313-100%63.614-100%
Debt To Asset Ratio--0.9130.9170%0.9140%0.913+0%0.906+1%
Debt To Equity Ratio--10.53711.030-4%10.5650%10.457+1%9.755+8%
Dividend Per Share--0.3170.305+4%0.301+6%0.300+6%0.298+6%
Eps--0.7390.553+34%0.580+28%0.539+37%0.488+52%
Free Cash Flow Per Share--0.5070.586-13%0.782-35%0.590-14%0.520-2%
Free Cash Flow To Equity Per Share--2.4766.419-61%2.453+1%3.364-26%3.393-27%
Gross Profit Margin--0.9840.953+3%0.961+2%0.966+2%0.950+4%
Intrinsic Value_10Y_max--28.097--------
Intrinsic Value_10Y_min---5.740--------
Intrinsic Value_1Y_max--2.608--------
Intrinsic Value_1Y_min--1.640--------
Intrinsic Value_3Y_max--7.995--------
Intrinsic Value_3Y_min--3.037--------
Intrinsic Value_5Y_max--13.572--------
Intrinsic Value_5Y_min--2.354--------
Market Cap145844799.000-16%169137889.000172293727.000-2%182305998.750-7%204858969.600-17%271022707.683-38%
Net Profit Margin--0.1970.224-12%0.261-24%0.250-21%0.242-18%
Operating Margin---0.296-100%0.437-100%0.481-100%0.489-100%
Operating Ratio--0.100-0.335+436%-0.093+193%-0.037+137%0.074+36%
Pb Ratio0.761-16%0.8830.967-9%1.094-19%1.258-30%1.855-52%
Pe Ratio6.564-16%7.61211.501-34%10.728-29%13.173-42%21.485-65%
Price Per Share19.410-16%22.51022.930-2%24.263-7%27.264-17%36.070-38%
Price To Free Cash Flow Ratio9.570-16%11.098-4.527+141%8.756+27%6.530+70%10.539+5%
Price To Total Gains Ratio7.518-16%8.71841.213-79%-328.333+3866%-25.362+391%101.852-91%
Quick Ratio--0.1202.277-95%41.423-100%37.530-100%26.377-100%
Return On Assets--0.0030.002+30%0.002+11%0.002+17%0.002+11%
Return On Equity--0.0290.023+25%0.026+11%0.024+18%0.024+20%
Total Gains Per Share--2.5821.100+135%0.147+1653%0.620+317%0.505+411%
Usd Book Value--191556000.000178617000.000+7%166658750.000+15%165208300.000+16%151225000.000+27%
Usd Book Value Change Per Share--2.2650.795+185%-0.153+107%0.319+609%0.207+995%
Usd Book Value Per Share--25.49423.772+7%22.180+15%21.987+16%20.126+27%
Usd Dividend Per Share--0.3170.305+4%0.301+6%0.300+6%0.298+6%
Usd Eps--0.7390.553+34%0.580+28%0.539+37%0.488+52%
Usd Free Cash Flow--3810000.0004402750.000-13%5879000.000-35%4429450.000-14%3907292.683-2%
Usd Free Cash Flow Per Share--0.5070.586-13%0.782-35%0.590-14%0.520-2%
Usd Free Cash Flow To Equity Per Share--2.4766.419-61%2.453+1%3.364-26%3.393-27%
Usd Market Cap145844799.000-16%169137889.000172293727.000-2%182305998.750-7%204858969.600-17%271022707.683-38%
Usd Price Per Share19.410-16%22.51022.930-2%24.263-7%27.264-17%36.070-38%
Usd Profit--5555000.0004152000.000+34%4355500.000+28%4047050.000+37%3663975.610+52%
Usd Revenue--28138000.00018827000.000+49%16623250.000+69%16242300.000+73%15328780.488+84%
Usd Total Gains Per Share--2.5821.100+135%0.147+1653%0.620+317%0.505+411%
 EOD+4 -4MRQTTM+21 -15YOY+24 -125Y+20 -1610Y+19 -17

4.2. Fundamental Score

Let's check the fundamental score of Penns Woods Bancorp Inc based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-156.564
Price to Book Ratio (EOD)Between0-10.761
Net Profit Margin (MRQ)Greater than00.197
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.120
Current Ratio (MRQ)Greater than10.034
Debt to Asset Ratio (MRQ)Less than10.913
Debt to Equity Ratio (MRQ)Less than110.537
Return on Equity (MRQ)Greater than0.150.029
Return on Assets (MRQ)Greater than0.050.003
Total4/10 (40.0%)

4.3. Technical Score

Let's check the technical score of Penns Woods Bancorp Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5054.577
Ma 20Greater thanMa 5018.904
Ma 50Greater thanMa 10019.718
Ma 100Greater thanMa 20020.234
OpenGreater thanClose19.115
Total1/5 (20.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2022-12-312023-03-312023-06-302023-09-302023-12-31
Inventory  -49,814-1,189-51,003-3,356-54,3598,269-46,09064,01517,925
Long-term Assets Other  -199,598193,857-5,741-591-6,332-629-6,9612,064,5632,057,602
Cash and Short Term Investments  234,0064,830238,836-7,349231,487-11,230220,257-249,226-28,969
Net Working Capital  87,43062,489149,919-91,47358,446-24,15134,295-1,428,573-1,394,278



Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in USD. All numbers in thousands.

Summary
Total Assets2,209,953
Total Liabilities2,018,397
Total Stockholder Equity191,556
 As reported
Total Liabilities 2,018,397
Total Stockholder Equity+ 191,556
Total Assets = 2,209,953

Assets

Total Assets2,209,953
Total Current Assets48,506
Long-term Assets2,161,447
Total Current Assets
Cash And Cash Equivalents 37,462
Short-term Investments 190,945
Net Receivables 11,044
Inventory 17,925
Total Current Assets  (as reported)48,506
Total Current Assets  (calculated)257,376
+/- 208,870
Long-term Assets
Property Plant Equipment 32,762
Goodwill 16,450
Long Term Investments 199,882
Intangible Assets 210
Long-term Assets Other 2,057,602
Long-term Assets  (as reported)2,161,447
Long-term Assets  (calculated)2,306,906
+/- 145,459

Liabilities & Shareholders' Equity

Total Current Liabilities1,442,784
Long-term Liabilities575,613
Total Stockholder Equity191,556
Total Current Liabilities
Short-term Debt 186,608
Short Long Term Debt 142,295
Accounts payable 3,814
Other Current Liabilities 1,256,176
Total Current Liabilities  (as reported)1,442,784
Total Current Liabilities  (calculated)1,588,893
+/- 146,109
Long-term Liabilities
Long term Debt 245,000
Capital Lease Obligations 10,168
Long-term Liabilities  (as reported)575,613
Long-term Liabilities  (calculated)255,168
+/- 320,445
Total Stockholder Equity
Common Stock44,550
Retained Earnings 107,238
Accumulated Other Comprehensive Income -9,150
Other Stockholders Equity 48,918
Total Stockholder Equity (as reported)191,556
Total Stockholder Equity (calculated)191,556
+/-0
Other
Capital Stock44,550
Cash and Short Term Investments -28,969
Common Stock Shares Outstanding 7,255
Current Deferred Revenue-3,814
Liabilities and Stockholders Equity 2,209,953
Net Debt 363,632
Net Invested Capital 578,851
Net Working Capital -1,394,278
Property Plant and Equipment Gross 55,192
Short Long Term Debt Total 401,094



Balance Sheet

Currency in USD. All numbers in thousands.

 Trend2023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-08-082018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-09-302013-06-302013-03-312012-12-312012-09-302012-06-302012-03-312011-12-312011-09-302011-06-302011-03-312010-12-312010-09-302010-06-302010-03-312009-12-312009-09-302009-06-302009-03-312008-12-312008-09-302008-06-302008-03-312007-12-312007-09-302007-06-302007-03-312006-12-312006-09-302006-06-302006-03-312005-12-312005-09-302005-06-302005-03-312004-12-312004-09-302004-06-302004-03-312003-12-312003-09-302003-06-302003-03-312002-12-312002-09-302002-06-302002-03-312001-12-312001-09-302001-06-302001-03-312000-12-312000-09-302000-06-302000-03-311999-12-311999-09-301999-06-301999-03-311998-12-311998-09-301998-06-301998-03-311997-12-311997-09-301997-06-301997-03-311996-12-311996-09-301996-06-301996-03-311995-12-311995-09-30
> Total Assets 
233,500
241,300
245,300
252,800
255,700
259,800
262,100
261,900
268,200
284,000
283,200
307,200
309,600
341,600
348,800
356,300
369,200
373,800
372,393
379,036
385,898
394,913
388,971
398,970
410,917
424,810
428,716
444,926
464,242
472,206
494,202
515,209
518,473
527,381
526,167
543,228
559,269
546,703
543,993
580,577
570,419
568,668
579,397
576,305
586,752
592,285
586,591
586,572
613,329
628,138
631,016
634,504
632,244
652,803
649,612
667,861
678,685
676,204
695,755
710,291
713,496
691,688
693,337
744,986
752,650
763,953
793,114
818,433
840,606
856,535
852,997
1,206,958
1,204,090
1,211,995
1,217,137
1,222,847
1,227,122
1,245,011
1,268,833
1,291,812
1,299,292
1,320,057
1,318,137
1,346,482
1,347,412
1,348,590
1,400,708
1,395,364
1,430,197
1,474,492
1,526,745
1,603,273
1,603,273
1,670,348
1,684,771
1,704,708
1,711,500
1,673,095
1,665,323
1,688,508
1,838,364
1,840,779
1,834,643
1,896,192
1,894,870
1,910,791
1,940,809
1,916,809
1,891,806
1,905,116
1,996,207
2,065,143
2,135,319
2,176,468
2,209,953
2,209,9532,176,4682,135,3192,065,1431,996,2071,905,1161,891,8061,916,8091,940,8091,910,7911,894,8701,896,1921,834,6431,840,7791,838,3641,688,5081,665,3231,673,0951,711,5001,704,7081,684,7711,670,3481,603,2731,603,2731,526,7451,474,4921,430,1971,395,3641,400,7081,348,5901,347,4121,346,4821,318,1371,320,0571,299,2921,291,8121,268,8331,245,0111,227,1221,222,8471,217,1371,211,9951,204,0901,206,958852,997856,535840,606818,433793,114763,953752,650744,986693,337691,688713,496710,291695,755676,204678,685667,861649,612652,803632,244634,504631,016628,138613,329586,572586,591592,285586,752576,305579,397568,668570,419580,577543,993546,703559,269543,228526,167527,381518,473515,209494,202472,206464,242444,926428,716424,810410,917398,970388,971394,913385,898379,036372,393373,800369,200356,300348,800341,600309,600307,200283,200284,000268,200261,900262,100259,800255,700252,800245,300241,300233,500
   > Total Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
14,994
19,381
13,057
17,899
15,549
16,478
15,204
17,529
18,142
15,492
21,031
286,701
286,090
287,828
297,282
308,427
310,782
334,761
357,182
360,274
356,993
368,026
368,941
371,944
382,129
385,834
392,327
392,083
392,470
390,327
398,422
403,600
412,547
414,579
420,022
433,520
431,800
443,980
443,308
451,411
462,595
468,971
466,095
461,145
457,701
484,642
471,685
479,519
493,587
508,838
530,024
552,956
549,543
856,929
878,971
882,073
899,817
918,198
951,612
971,569
1,002,812
1,036,900
1,055,719
1,102,754
1,122,282
1,157,724
1,163,719
1,171,276
1,220,014
1,212,423
1,253,132
1,303,875
1,361,587
1,435,923
56,007
1,493,798
1,502,828
1,505,381
1,508,038
1,466,506
1,460,307
1,477,280
1,618,682
1,635,880
1,617,441
1,672,268
1,661,733
1,682,753
388,320
352,606
292
233,705
243,487
248,193
240,985
230,757
48,506
48,506230,757240,985248,193243,487233,705292352,606388,3201,682,7531,661,7331,672,2681,617,4411,635,8801,618,6821,477,2801,460,3071,466,5061,508,0381,505,3811,502,8281,493,79856,0071,435,9231,361,5871,303,8751,253,1321,212,4231,220,0141,171,2761,163,7191,157,7241,122,2821,102,7541,055,7191,036,9001,002,812971,569951,612918,198899,817882,073878,971856,929549,543552,956530,024508,838493,587479,519471,685484,642457,701461,145466,095468,971462,595451,411443,308443,980431,800433,520420,022414,579412,547403,600398,422390,327392,470392,083392,327385,834382,129371,944368,941368,026356,993360,274357,182334,761310,782308,427297,282287,828286,090286,70121,03115,49218,14217,52915,20416,47815,54917,89913,05719,38114,994000000000000000000
       Cash And Cash Equivalents 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
12,888
17,215
10,719
15,318
13,240
13,932
12,702
14,844
15,687
12,887
18,807
11,731
17,898
14,109
10,567
10,230
12,112
11,261
16,927
12,626
17,344
16,970
13,140
14,090
14,882
14,208
13,468
15,372
13,255
11,331
13,243
15,433
16,452
17,209
12,554
16,581
12,909
18,647
12,663
28
20,424
24,341
23,057
9,493
11,504
30,669
11,675
13,885
23,431
16,073
21,144
15,142
13,068
28,305
32,849
24,493
39,495
24,867
25,242
19,908
21,772
21,869
18,255
22,796
47,125
69,475
60,181
43,671
75,660
38,202
27,747
27,243
37,392
56,007
56,007
72,347
66,742
73,596
79,525
57,341
48,589
77,761
215,174
226,272
213,358
277,688
227,120
241,647
213,862
168,803
50,992
36,862
40,333
41,646
44,861
35,590
37,462
37,46235,59044,86141,64640,33336,86250,992168,803213,862241,647227,120277,688213,358226,272215,17477,76148,58957,34179,52573,59666,74272,34756,00756,00737,39227,24327,74738,20275,66043,67160,18169,47547,12522,79618,25521,86921,77219,90825,24224,86739,49524,49332,84928,30513,06815,14221,14416,07323,43113,88511,67530,66911,5049,49323,05724,34120,4242812,66318,64712,90916,58112,55417,20916,45215,43313,24311,33113,25515,37213,46814,20814,88214,09013,14016,97017,34412,62616,92711,26112,11210,23010,56714,10917,89811,73118,80712,88715,68714,84412,70213,93213,24015,31810,71917,21512,888000000000000000000
       Short-term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
212,513
0
207,079
200,084
193,705
24
178,071
203,400
192,039
25
187,425
180,553
184,484
25
184,063
181,308
204,758
16
207,777
209,284
201,220
18
201,651
207,901
219,404
28
217,252
225,625
232,058
26
220,877
245,863
266,637
270,097
284,778
295,121
296,255
289,316
288,577
311,289
285,383
288,612
276,033
263,026
233,634
232,213
225,302
214,312
202,593
176,157
153,709
146,667
141,057
133,492
136,910
138,504
132,313
124,475
116,444
118,876
0
128,905
134,285
141,762
145,689
149,075
148,619
155,522
164,369
149,675
162,261
166,895
171,783
166,760
166,410
175,674
192,438
188,196
193,673
197,190
186,626
184,667
190,945
190,945184,667186,626197,190193,673188,196192,438175,674166,410166,760171,783166,895162,261149,675164,369155,522148,619149,075145,689141,762134,285128,9050118,876116,444124,475132,313138,504136,910133,492141,057146,667153,709176,157202,593214,312225,302232,213233,634263,026276,033288,612285,383311,289288,577289,316296,255295,121284,778270,097266,637245,863220,87726232,058225,625217,25228219,404207,901201,65118201,220209,284207,77716204,758181,308184,06325184,484180,553187,42525192,039203,400178,07124193,705200,084207,0790212,51300000000000000000000000000000000
       Net Receivables 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,106
2,166
2,338
2,581
2,309
2,546
2,502
2,685
2,455
2,605
2,224
2,460
2,351
2,545
2,286
2,242
2,109
2,207
2,168
2,246
2,208
2,342
2,520
2,828
2,610
2,649
2,720
2,939
2,832
3,015
3,274
3,343
3,122
3,322
3,451
3,614
3,370
3,468
3,515
3,523
3,531
3,673
3,657
3,765
3,638
3,803
3,802
3,905
4,100
4,071
4,255
4,099
4,070
4,999
4,639
4,696
4,514
4,235
4,298
3,912
4,326
3,706
4,093
3,686
3,878
3,490
3,800
3,672
3,945
3,641
4,289
4,321
4,456
4,618
5,353
5,353
5,334
5,542
5,708
5,267
5,246
5,307
8,068
8,540
8,394
8,583
8,363
8,529
8,048
8,129
8,246
8,647
9,481
9,357
9,498
10,500
11,044
11,04410,5009,4989,3579,4818,6478,2468,1298,0488,5298,3638,5838,3948,5408,0685,3075,2465,2675,7085,5425,3345,3535,3534,6184,4564,3214,2893,6413,9453,6723,8003,4903,8783,6864,0933,7064,3263,9124,2984,2354,5144,6964,6394,9994,0704,0994,2554,0714,1003,9053,8023,8033,6383,7653,6573,6733,5313,5233,5153,4683,3703,6143,4513,3223,1223,3433,2743,0152,8322,9392,7202,6492,6102,8282,5202,3422,2082,2462,1682,2072,1092,2422,2862,5452,3512,4602,2242,6052,4552,6852,5022,5462,3092,5812,3382,1662,106000000000000000000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
272,510
265,841
271,174
284,429
295,955
296,561
321,293
338,087
345,402
337,441
348,714
353,281
355,026
364,637
368,977
376,139
373,772
376,383
375,981
381,905
384,824
392,973
394,048
404,017
413,325
415,521
421,865
427,130
447,860
438,640
440,957
439,381
447,887
442,559
459,935
456,208
461,729
466,056
488,694
504,625
244,399
243,828
512,336
556,100
564,272
579,775
626,070
688,438
715,536
751,412
797,013
830,778
900,115
917,570
938,092
958,681
990,441
1,003,499
1,032,076
1,088,783
1,147,836
1,203,295
1,256,422
0
1,287,193
1,296,467
1,284,481
1,277,116
1,254,823
1,257,853
1,238,690
1,231,071
1,251,393
1,233,428
1,219,102
1,254,467
1,265,817
50,000
50,000
-251,384
45,509
49,814
51,003
54,359
46,090
48,506
48,50646,09054,35951,00349,81445,509-251,38450,00050,0001,265,8171,254,4671,219,1021,233,4281,251,3931,231,0711,238,6901,257,8531,254,8231,277,1161,284,4811,296,4671,287,19301,256,4221,203,2951,147,8361,088,7831,032,0761,003,499990,441958,681938,092917,570900,115830,778797,013751,412715,536688,438626,070579,775564,272556,100512,336243,828244,399504,625488,694466,056461,729456,208459,935442,559447,887439,381440,957438,640447,860427,130421,865415,521413,325404,017394,048392,973384,824381,905375,981376,383373,772376,139368,977364,637355,026353,281348,714337,441345,402338,087321,293296,561295,955284,429271,174265,841272,51000000000000000000000000000000
   > Long-term Assets 
0
100
0
0
0
100
0
0
0
0
-100
-100
0
0
0
0
-100
100
118,034
112,686
122,641
123,877
121,885
129,014
130,995
137,765
146,739
158,084
173,432
185,505
208,112
227,381
221,191
218,954
215,385
208,467
202,087
186,429
187,000
212,551
201,478
196,724
197,268
190,471
194,425
200,202
194,121
196,245
214,907
224,538
218,469
219,925
212,222
219,283
217,812
223,881
235,377
224,793
233,160
241,320
247,401
230,543
235,636
260,344
280,965
284,434
299,527
309,595
310,582
303,579
303,454
350,029
325,119
329,922
317,320
304,649
275,510
273,442
266,021
254,912
243,573
217,303
195,855
188,733
183,693
177,314
180,694
182,941
177,065
170,617
165,158
167,350
5,310
176,550
181,943
199,327
203,462
206,589
205,016
211,228
219,682
204,899
217,202
223,924
233,137
228,038
226,765
235,098
251,443
246,488
58,140
257,861
246,647
244,007
2,161,447
2,161,447244,007246,647257,86158,140246,488251,443235,098226,765228,038233,137223,924217,202204,899219,682211,228205,016206,589203,462199,327181,943176,5505,310167,350165,158170,617177,065182,941180,694177,314183,693188,733195,855217,303243,573254,912266,021273,442275,510304,649317,320329,922325,119350,029303,454303,579310,582309,595299,527284,434280,965260,344235,636230,543247,401241,320233,160224,793235,377223,881217,812219,283212,222219,925218,469224,538214,907196,245194,121200,202194,425190,471197,268196,724201,478212,551187,000186,429202,087208,467215,385218,954221,191227,381208,112185,505173,432158,084146,739137,765130,995129,014121,885123,877122,641112,686118,034100-1000000-100-10000001000001000
       Property Plant Equipment 
3,900
3,800
3,800
3,900
3,600
3,800
3,600
3,600
3,600
3,800
3,700
3,800
3,900
4,700
4,900
4,900
5,200
4,900
4,853
4,784
4,800
4,727
4,663
4,561
4,480
4,478
4,377
4,514
4,788
4,856
4,731
4,652
4,705
4,625
4,575
4,693
4,692
4,882
5,588
5,851
6,141
6,409
6,531
6,605
6,627
6,737
6,742
6,964
6,841
6,774
7,381
7,449
7,835
7,865
7,733
7,656
7,791
7,988
8,013
7,966
7,814
7,658
7,634
7,520
7,533
7,707
8,283
8,229
8,247
8,348
9,128
17,101
18,352
20,184
20,418
21,007
21,509
21,109
20,847
20,816
21,433
21,830
22,158
22,304
22,985
24,275
24,431
25,497
25,895
27,386
27,587
27,385
27,385
27,361
27,580
37,509
37,812
37,583
37,083
36,448
36,104
36,070
35,838
37,998
37,575
37,333
36,876
36,054
35,418
34,926
34,495
34,237
33,766
33,308
32,762
32,76233,30833,76634,23734,49534,92635,41836,05436,87637,33337,57537,99835,83836,07036,10436,44837,08337,58337,81237,50927,58027,36127,38527,38527,58727,38625,89525,49724,43124,27522,98522,30422,15821,83021,43320,81620,84721,10921,50921,00720,41820,18418,35217,1019,1288,3488,2478,2298,2837,7077,5337,5207,6347,6587,8147,9668,0137,9887,7917,6567,7337,8657,8357,4497,3816,7746,8416,9646,7426,7376,6276,6056,5316,4096,1415,8515,5884,8824,6924,6934,5754,6254,7054,6524,7314,8564,7884,5144,3774,4784,4804,5614,6634,7274,8004,7844,8534,9005,2004,9004,9004,7003,9003,8003,7003,8003,6003,6003,6003,8003,6003,9003,8003,8003,900
       Goodwill 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
17,104
16,450
16,450
16,450
16,450
16,450
16,45016,45016,45016,45016,45017,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,10417,1043,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,03200000000000000000000000000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
419,844
426,666
432,646
437,952
461,400
479,815
508,389
506,017
782,966
798,121
809,826
813,738
849,348
883,079
905,550
934,107
968,877
991,256
1,033,993
1,029,444
1,042,951
1,058,922
1,082,796
1,099,416
1,127,872
1,178,725
1,235,142
1,385,263
1,439,276
1,488,439
1,488,439
1,508,170
1,514,269
1,513,897
1,501,725
1,496,552
159,853
169,552
156,357
167,540
168,204
177,890
173,077
172,305
181,503
198,525
194,097
199,598
206,882
196,171
194,014
199,882
199,882194,014196,171206,882199,598194,097198,525181,503172,305173,077177,890168,204167,540156,357169,552159,8531,496,5521,501,7251,513,8971,514,2691,508,1701,488,4391,488,4391,439,2761,385,2631,235,1421,178,7251,127,8721,099,4161,082,7961,058,9221,042,9511,029,4441,033,993991,256968,877934,107905,550883,079849,348813,738809,826798,121782,966506,017508,389479,815461,400437,952432,646426,666419,844000000000000000000000000000000000000000000000000000000000000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
1,984
1,892
1,801
1,709
1,621
1,538
1,456
1,373
1,294
1,316
1,240
2,078
1,979
1,889
1,799
1,709
1,623
1,543
1,462
1,382
1,304
1,304
1,233
1,162
1,091
1,022
960
898
836
777
724
671
618
568
524
480
437
396
361
327
292
260
235
210
2102352602923273613964374805245686186717247778368989601,0221,0911,1621,2331,3041,3041,3821,4621,5431,6231,7091,7991,8891,9792,0781,2401,3161,2941,3731,4561,5381,6211,7091,8011,8921,9843,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,03200000000000000000000000000000
       Earning Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
216,607
237,832
213,268
207,280
238,551
388,453
0
0
0
0
0
0
0
0
0
0
0
0
0
0
00000000000000388,453238,551207,280213,268237,832216,60700000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
       Long-term Assets Other 
-3,900
-3,800
-3,800
-3,900
-3,600
-3,800
-3,600
-3,600
-3,600
-3,800
-3,700
-3,800
-3,900
-4,700
-4,900
-4,900
-5,200
-4,900
-118,034
-112,686
-122,641
-123,877
-121,885
-129,014
-130,995
-137,765
-146,739
-158,084
-173,432
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
3,032
-12,614
-11,583
-6,907
-221,761
-9,069
-8,399
-7,041
-227,511
-11,554
-9,638
-8,087
191,632
-6,416
-5,960
-3,878
244,399
-5,751
-9,907
-10,388
564,159
-7,984
-6,807
-7,036
715,536
-7,801
-8,772
-8,618
900,115
-8,426
-7,425
-7,404
990,441
-8,039
-8,139
-7,984
1,147,836
-4,721
-121,557
53,201
-5,310
1,296,467
-4,241
-3,762
-3,744
1,257,853
-3,281
-3,284
-3,409
-201,953
-3,717
-3,624
-4,049
-206,330
-4,569
-6
-7,187
-199,598
-5,741
-6,332
-6,961
2,057,602
2,057,602-6,961-6,332-5,741-199,598-7,187-6-4,569-206,330-4,049-3,624-3,717-201,953-3,409-3,284-3,2811,257,853-3,744-3,762-4,2411,296,467-5,31053,201-121,557-4,7211,147,836-7,984-8,139-8,039990,441-7,404-7,425-8,426900,115-8,618-8,772-7,801715,536-7,036-6,807-7,984564,159-10,388-9,907-5,751244,399-3,878-5,960-6,416191,632-8,087-9,638-11,554-227,511-7,041-8,399-9,069-221,761-6,907-11,583-12,6143,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,0323,032-173,432-158,084-146,739-137,765-130,995-129,014-121,885-123,877-122,641-112,686-118,034-4,900-5,200-4,900-4,900-4,700-3,900-3,800-3,700-3,800-3,600-3,600-3,600-3,800-3,600-3,900-3,800-3,800-3,900
> Total Liabilities 
205,600
211,600
215,600
223,100
224,300
226,200
227,500
224,600
228,600
241,000
238,500
261,900
265,100
291,700
299,200
307,400
321,600
327,700
326,479
333,025
337,009
344,399
335,368
344,515
355,329
369,558
372,678
386,590
402,814
409,064
429,362
446,194
451,073
457,612
454,860
474,991
486,887
473,538
472,082
504,782
495,929
494,749
505,582
504,673
512,027
517,691
512,409
516,852
541,777
557,579
561,862
569,982
572,683
591,776
591,028
606,490
608,146
609,288
627,783
639,688
638,173
625,068
624,339
671,080
674,078
683,493
707,835
730,322
746,827
762,809
759,023
1,081,030
1,078,238
1,084,180
1,084,832
1,087,045
1,090,118
1,109,044
1,131,829
1,156,814
1,163,715
1,183,778
1,180,474
1,207,088
1,207,477
1,210,341
1,261,595
1,256,924
1,290,528
1,336,298
1,388,632
1,464,138
1,464,138
1,529,809
1,541,227
1,557,672
1,559,959
1,518,015
1,510,341
1,531,920
1,678,756
1,678,350
1,670,497
1,732,129
1,728,035
1,742,310
1,768,535
1,748,382
1,725,752
1,740,627
1,828,542
1,891,173
1,960,917
2,001,928
2,018,397
2,018,3972,001,9281,960,9171,891,1731,828,5421,740,6271,725,7521,748,3821,768,5351,742,3101,728,0351,732,1291,670,4971,678,3501,678,7561,531,9201,510,3411,518,0151,559,9591,557,6721,541,2271,529,8091,464,1381,464,1381,388,6321,336,2981,290,5281,256,9241,261,5951,210,3411,207,4771,207,0881,180,4741,183,7781,163,7151,156,8141,131,8291,109,0441,090,1181,087,0451,084,8321,084,1801,078,2381,081,030759,023762,809746,827730,322707,835683,493674,078671,080624,339625,068638,173639,688627,783609,288608,146606,490591,028591,776572,683569,982561,862557,579541,777516,852512,409517,691512,027504,673505,582494,749495,929504,782472,082473,538486,887474,991454,860457,612451,073446,194429,362409,064402,814386,590372,678369,558355,329344,515335,368344,399337,009333,025326,479327,700321,600307,400299,200291,700265,100261,900238,500241,000228,600224,600227,500226,200224,300223,100215,600211,600205,600
   > Total Current Liabilities 
6,300
7,200
7,200
13,900
20,100
21,000
12,600
9,200
16,500
16,500
13,400
34,600
41,900
35,200
44,800
48,800
61,000
70,000
30,479
32,362
31,205
32,473
16,680
18,813
32,094
20,295
21,867
22,003
18,953
14,655
14,400
30,263
43,842
48,101
31,423
27,343
34,548
37,325
38,124
22,295
41,528
55,111
50,490
42,096
19,536
36,229
42,545
30,006
46,631
57,059
63,392
49,544
49,800
75,263
46,461
16,100
22,631
19,427
13,968
15,109
15,461
28,049
16,330
17,683
18,200
30,134
15,274
18,345
18,433
33,570
16,989
39,442
15,495
27,121
14,515
22,325
17,624
27,212
31,064
59,436
52,150
28,730
16,313
17,896
12,060
13,696
8,976
16,151
42,079
101,250
60,098
135,533
134,637
165,516
169,015
85,777
60,935
7,653
6,591
19,376
16,663
16,500
6,356
7,638
8,481
10,232
6,398
7,105
5,916
31,328
156,057
98,274
182,539
196,462
1,442,784
1,442,784196,462182,53998,274156,05731,3285,9167,1056,39810,2328,4817,6386,35616,50016,66319,3766,5917,65360,93585,777169,015165,516134,637135,53360,098101,25042,07916,1518,97613,69612,06017,89616,31328,73052,15059,43631,06427,21217,62422,32514,51527,12115,49539,44216,98933,57018,43318,34515,27430,13418,20017,68316,33028,04915,46115,10913,96819,42722,63116,10046,46175,26349,80049,54463,39257,05946,63130,00642,54536,22919,53642,09650,49055,11141,52822,29538,12437,32534,54827,34331,42348,10143,84230,26314,40014,65518,95322,00321,86720,29532,09418,81316,68032,47331,20532,36230,47970,00061,00048,80044,80035,20041,90034,60013,40016,50016,5009,20012,60021,00020,10013,9007,2007,2006,300
       Short-term Debt 
5,500
6,300
6,400
13,000
19,300
20,100
11,800
8,200
15,700
15,600
12,600
33,600
41,000
34,000
43,900
47,700
60,000
68,900
29,360
31,064
29,888
31,021
15,250
17,486
30,786
19,105
20,804
20,869
17,855
13,563
13,417
29,306
42,955
47,265
30,594
26,484
33,669
36,475
37,262
21,245
40,410
54,003
49,394
40,925
18,026
34,697
41,173
28,359
44,793
55,315
61,766
48,081
48,429
73,946
45,268
14,880
21,440
18,354
12,978
14,209
14,629
27,299
15,636
17,007
17,584
29,598
14,768
17,855
17,932
33,204
16,632
39,000
15,060
26,716
14,127
21,926
17,213
40,818
30,625
59,026
51,690
46,638
15,874
17,440
11,579
13,241
8,589
15,737
41,596
100,748
59,305
134,637
134,637
164,465
167,865
84,499
59,453
5,987
4,920
17,741
15,133
15,009
5,244
6,650
7,520
9,404
5,747
6,634
5,464
30,901
153,349
97,102
180,410
193,746
186,608
186,608193,746180,41097,102153,34930,9015,4646,6345,7479,4047,5206,6505,24415,00915,13317,7414,9205,98759,45384,499167,865164,465134,637134,63759,305100,74841,59615,7378,58913,24111,57917,44015,87446,63851,69059,02630,62540,81817,21321,92614,12726,71615,06039,00016,63233,20417,93217,85514,76829,59817,58417,00715,63627,29914,62914,20912,97818,35421,44014,88045,26873,94648,42948,08161,76655,31544,79328,35941,17334,69718,02640,92549,39454,00340,41021,24537,26236,47533,66926,48430,59447,26542,95529,30613,41713,56317,85520,86920,80419,10530,78617,48615,25031,02129,88831,06429,36068,90060,00047,70043,90034,00041,00033,60012,60015,60015,7008,20011,80020,10019,30013,0006,4006,3005,500
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
10,750
0
0
0
5,000
0
0
0
45,000
8,589
91,735
122,594
12,000
183,275
258,607
0
303,435
32,292
84,499
59,453
5,987
4,920
17,741
15,133
15,009
5,244
6,650
7,520
9,404
5,747
6,634
5,464
30,901
153,349
97,102
180,410
193,746
142,295
142,295193,746180,41097,102153,34930,9015,4646,6345,7479,4047,5206,6505,24415,00915,13317,7414,9205,98759,45384,49932,292303,4350258,607183,27512,000122,59491,7358,58945,0000005,00000010,75000000000000000000000000000000000000000000000000000000000000000000000000000000
       Accounts payable 
800
900
800
900
800
900
800
1,000
800
900
800
1,000
900
1,200
900
1,100
1,000
1,100
1,119
1,298
1,317
1,452
1,430
1,327
1,308
1,190
1,063
1,134
1,098
1,092
983
957
887
836
829
859
879
850
862
1,050
1,118
1,108
1,096
1,171
1,510
1,532
1,372
1,647
1,838
1,744
1,626
1,463
1,371
1,317
1,193
1,220
1,191
1,073
990
900
832
750
694
676
616
536
506
490
501
366
357
442
435
405
388
399
411
381
439
410
460
426
439
456
481
455
387
414
483
502
793
896
1,051
1,051
1,150
1,278
1,482
1,666
1,671
1,635
1,530
1,491
1,112
988
961
828
651
471
452
427
603
1,172
2,129
2,716
3,814
3,8142,7162,1291,1726034274524716518289619881,1121,4911,5301,6351,6711,6661,4821,2781,1501,0511,0518967935024834143874554814564394264604104393814113993884054354423573665014905065366166766947508329009901,0731,1911,2201,1931,3171,3711,4631,6261,7441,8381,6471,3721,5321,5101,1711,0961,1081,1181,0508628508798598298368879579831,0921,0981,1341,0631,1901,3081,3271,4301,4521,3171,2981,1191,1001,0001,1009001,2009001,0008009008001,000800900800900800900800
       Other Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
569,833
575,300
581,664
621,542
641,167
641,110
642,026
659,304
955,361
975,521
973,002
983,026
981,826
989,128
-13,987
996,489
1,007,468
1,004,801
-18,334
1,059,581
1,084,867
1,088,297
1,095,214
1,160,664
1,151,110
1,153,996
1,146,320
1,192,454
1,191,019
1,210,477
1,210,477
1,219,903
1,309,061
1,327,086
1,332,407
1,324,005
1,326,734
1,474,305
-1,491
-1,112
1,564,364
-961
-828
2,247
1,612,395
1,589,579
-31,328
2,105
-98,274
-182,539
-196,462
1,256,176
1,256,176-196,462-182,539-98,2742,105-31,3281,589,5791,612,3952,247-828-9611,564,364-1,112-1,4911,474,3051,326,7341,324,0051,332,4071,327,0861,309,0611,219,9031,210,4771,210,4771,191,0191,192,4541,146,3201,153,9961,151,1101,160,6641,095,2141,088,2971,084,8671,059,581-18,3341,004,8011,007,468996,489-13,987989,128981,826983,026973,002975,521955,361659,304642,026641,110641,167621,542581,664575,300569,833000000000000000000000000000000000000000000000000000000000000000
   > Long-term Liabilities 
2,400
2,000
3,700
4,500
3,100
2,100
2,800
3,600
5,100
4,000
4,600
4,900
4,800
3,400
3,700
4,300
3,600
2,000
27,278
27,278
32,304
31,778
31,778
31,778
31,778
41,778
41,778
46,778
46,778
51,778
70,878
70,878
70,878
70,878
75,878
75,878
75,878
75,878
74,478
84,478
84,478
84,478
82,878
82,878
82,878
82,878
81,378
76,378
86,378
106,378
96,778
76,778
86,778
86,778
86,778
86,778
86,778
86,778
86,778
86,778
81,778
71,778
71,778
71,778
71,778
61,278
61,278
61,278
76,278
76,278
71,278
70,750
70,750
71,202
71,202
71,202
71,202
71,176
86,176
75,426
91,051
91,025
91,025
91,025
91,025
85,998
75,998
75,998
80,998
70,970
123,970
123,970
14,846
138,970
138,942
148,872
158,883
166,518
166,090
175,202
175,148
156,753
156,650
144,224
144,043
128,954
128,861
115,765
115,674
31,328
1,676,358
98,274
205,334
220,264
575,613
575,613220,264205,33498,2741,676,35831,328115,674115,765128,861128,954144,043144,224156,650156,753175,148175,202166,090166,518158,883148,872138,942138,97014,846123,970123,97070,97080,99875,99875,99885,99891,02591,02591,02591,02591,05175,42686,17671,17671,20271,20271,20271,20270,75070,75071,27876,27876,27861,27861,27861,27871,77871,77871,77871,77881,77886,77886,77886,77886,77886,77886,77886,77886,77876,77896,778106,37886,37876,37881,37882,87882,87882,87882,87884,47884,47884,47874,47875,87875,87875,87875,87870,87870,87870,87870,87851,77846,77846,77841,77841,77831,77831,77831,77831,77832,30427,27827,2782,0003,6004,3003,7003,4004,8004,9004,6004,0005,1003,6002,8002,1003,1004,5003,7002,0002,400
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
71,202
0
0
0
71,176
0
0
0
91,025
0
0
0
85,998
0
0
0
70,970
0
0
0
0
138,942
6,006
5,972
5,956
161,920
0
171,885
0
153,475
141,094
141,051
126,007
125,963
112,918
112,874
102,829
102,783
132,738
202,692
0
0
00202,692132,738102,783102,829112,874112,918125,963126,007141,051141,094153,4750171,8850161,9205,9565,9726,006138,942000070,97000085,99800091,02500071,17600071,2020000000000000000000000000000000000000000000000000000000000000000000000000
       Other Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3,657
3,659
4,481
3,466
3,729
3,587
3,609
3,525
3,983
3,310
4,143
3,875
4,293
5,446
3,646
5,151
6,151
3,879
4,253
4,349
6,041
9,801
7,851
3,739
5,664
3,926
9,401
4,925
5,009
6,212
5,752
6,864
7,193
7,202
6,905
9,684
10,175
9,831
9,866
6,869
6,987
8,720
7,596
8,483
8,208
12,462
9,416
10,953
10,247
10,022
11,507
11,301
11,809
15,919
16,907
13,260
16,477
12,091
12,575
15,631
18,539
14,894
16,173
14,235
13,994
13,731
16,576
15,888
16,344
14,079
13,938
18,260
12,903
13,616
0
14,846
13,367
13,962
13,055
11,456
13,655
10,608
12,640
13,287
13,048
15,903
11,815
10,105
11,961
13,117
14,583
13,302
16,512
18,636
0
0
0
00018,63616,51213,30214,58313,11711,96110,10511,81515,90313,04813,28712,64010,60813,65511,45613,05513,96213,36714,846013,61612,90318,26013,93814,07916,34415,88816,57613,73113,99414,23516,17314,89418,53915,63112,57512,09116,47713,26016,90715,91911,80911,30111,50710,02210,24710,9539,41612,4628,2088,4837,5968,7206,9876,8699,8669,83110,1759,6846,9057,2027,1936,8645,7526,2125,0094,9259,4013,9265,6643,7397,8519,8016,0414,3494,2533,8796,1515,1513,6465,4464,2933,8754,1433,3103,9833,5253,6093,5873,7293,4664,4813,6593,657000000000000000000
> Total Stockholder Equity
27,900
29,700
29,700
29,700
31,400
33,600
34,600
37,300
39,600
43,000
44,700
45,300
44,500
49,900
49,600
48,900
47,600
46,100
45,914
46,011
48,889
50,514
53,603
54,455
55,588
55,252
56,038
58,336
61,428
63,142
64,840
69,015
67,400
69,769
71,307
68,237
72,382
73,165
71,911
75,795
74,490
73,919
73,815
71,632
74,725
74,594
74,182
69,720
71,552
70,559
69,154
64,522
59,561
61,027
58,584
61,371
70,539
66,916
67,972
70,603
75,323
66,620
68,998
73,906
78,572
80,460
85,279
88,111
93,779
93,726
93,974
125,928
125,852
127,815
132,305
135,802
137,004
135,967
137,004
134,998
135,577
136,279
137,663
139,394
139,935
138,249
139,113
138,440
139,669
138,192
138,112
139,134
139,134
140,538
143,536
147,026
151,527
155,062
154,960
156,562
159,578
162,422
164,142
164,059
166,830
168,478
172,274
168,427
166,054
164,489
167,665
173,970
174,402
174,540
191,556
191,556174,540174,402173,970167,665164,489166,054168,427172,274168,478166,830164,059164,142162,422159,578156,562154,960155,062151,527147,026143,536140,538139,134139,134138,112138,192139,669138,440139,113138,249139,935139,394137,663136,279135,577134,998137,004135,967137,004135,802132,305127,815125,852125,92893,97493,72693,77988,11185,27980,46078,57273,90668,99866,62075,32370,60367,97266,91670,53961,37158,58461,02759,56164,52269,15470,55971,55269,72074,18274,59474,72571,63273,81573,91974,49075,79571,91173,16572,38268,23771,30769,76967,40069,01564,84063,14261,42858,33656,03855,25255,58854,45553,60350,51448,88946,01145,91446,10047,60048,90049,60049,90044,50045,30044,70043,00039,60037,30034,60033,60031,40029,70029,70029,70027,900
   Common Stock
12,700
12,700
12,700
12,700
12,700
12,800
12,800
12,800
12,800
25,700
25,700
25,700
25,700
28,400
28,400
31,200
31,300
31,300
31,303
31,303
31,303
31,308
31,308
31,308
31,308
31,316
31,316
31,316
31,318
31,368
31,378
31,381
31,384
33,265
33,274
33,274
33,274
33,318
33,322
33,324
33,324
33,351
33,351
33,351
33,354
33,362
33,371
33,378
33,384
33,391
33,397
33,407
33,413
33,421
33,427
33,433
33,437
33,443
33,447
33,452
33,457
33,464
33,468
33,472
33,477
33,480
33,484
33,486
33,489
33,492
33,496
41,657
41,662
41,665
41,671
41,676
41,682
41,688
41,693
41,698
41,702
41,708
41,713
41,717
41,721
41,726
41,729
41,735
41,739
41,744
41,748
41,753
41,757
41,757
41,763
41,767
41,773
41,777
41,782
41,786
41,792
41,820
41,847
41,873
41,897
41,921
41,945
41,969
41,995
42,019
42,039
42,057
42,077
42,335
44,550
44,55042,33542,07742,05742,03942,01941,99541,96941,94541,92141,89741,87341,84741,82041,79241,78641,78241,77741,77341,76741,76341,75741,75741,75341,74841,74441,73941,73541,72941,72641,72141,71741,71341,70841,70241,69841,69341,68841,68241,67641,67141,66541,66241,65733,49633,49233,48933,48633,48433,48033,47733,47233,46833,46433,45733,45233,44733,44333,43733,43333,42733,42133,41333,40733,39733,39133,38433,37833,37133,36233,35433,35133,35133,35133,32433,32433,32233,31833,27433,27433,27433,26531,38431,38131,37831,36831,31831,31631,31631,31631,30831,30831,30831,30831,30331,30331,30331,30031,30031,20028,40028,40025,70025,70025,70025,70012,80012,80012,80012,80012,70012,70012,70012,70012,700
   Retained Earnings 
9,400
10,100
10,800
11,700
12,800
13,900
15,500
17,000
17,800
6,600
7,800
8,900
9,800
12,000
12,900
-2,300
-1,200
-200
661
1,546
2,549
2,974
3,888
4,927
6,288
6,987
8,265
9,486
11,043
11,749
13,028
15,455
17,558
13,022
14,532
16,175
17,839
18,262
19,481
20,714
22,102
22,938
23,727
24,471
25,208
25,783
26,350
26,974
27,552
27,707
27,620
27,898
27,680
28,177
27,254
26,322
26,481
27,218
27,901
28,910
29,994
31,091
32,180
33,379
34,765
36,394
38,279
39,874
41,737
43,030
44,909
45,343
46,324
47,554
48,758
49,955
52,482
53,107
54,205
55,397
56,523
58,038
58,888
60,054
60,889
61,610
62,071
62,952
64,033
63,364
63,824
66,181
66,181
67,802
69,787
71,526
73,565
76,009
76,583
77,403
78,910
81,127
82,769
83,948
85,281
87,146
89,761
90,928
92,903
95,896
98,147
102,194
104,104
104,067
107,238
107,238104,067104,104102,19498,14795,89692,90390,92889,76187,14685,28183,94882,76981,12778,91077,40376,58376,00973,56571,52669,78767,80266,18166,18163,82463,36464,03362,95262,07161,61060,88960,05458,88858,03856,52355,39754,20553,10752,48249,95548,75847,55446,32445,34344,90943,03041,73739,87438,27936,39434,76533,37932,18031,09129,99428,91027,90127,21826,48126,32227,25428,17727,68027,89827,62027,70727,55226,97426,35025,78325,20824,47123,72722,93822,10220,71419,48118,26217,83916,17514,53213,02217,55815,45513,02811,74911,0439,4868,2656,9876,2884,9273,8882,9742,5491,546661-200-1,200-2,30012,90012,0009,8008,9007,8006,60017,80017,00015,50013,90012,80011,70010,80010,1009,400
   Accumulated Other Comprehensive Income 
1,500
2,500
1,800
700
1,400
2,400
1,800
2,900
4,400
6,000
6,500
6,100
4,300
5,000
3,800
2,000
-400
-2,900
-3,984
-4,772
-2,625
-810
2,029
2,031
2,488
1,729
1,434
2,511
4,203
5,145
5,617
7,354
3,739
6,132
6,259
1,546
4,027
4,331
1,847
4,492
1,914
850
1,266
-1,273
1,674
1,560
907
-4,034
-2,440
-3,532
-4,741
-9,235
-13,722
-12,266
-13,803
-10,103
-1,110
-5,489
-5,132
-3,481
137
-9,689
-8,418
-4,725
-1,463
-1,219
1,699
2,925
6,715
5,357
3,709
-4,521
-5,606
-4,894
-1,637
635
-211
-1,667
-1,306
-3,170
-3,100
-3,799
-2,708
-2,168
-2,491
-4,928
-4,544
-4,249
-4,130
-4,974
-5,552
-6,910
-6,910
-7,483
-6,636
-5,042
-2,783
-1,899
-2,777
-2,213
-965
-678
-882
-2,465
-1,438
-1,982
-1,112
-6,546
-9,680
-14,569
-13,958
-12,038
-13,833
-14,937
-9,150
-9,150-14,937-13,833-12,038-13,958-14,569-9,680-6,546-1,112-1,982-1,438-2,465-882-678-965-2,213-2,777-1,899-2,783-5,042-6,636-7,483-6,910-6,910-5,552-4,974-4,130-4,249-4,544-4,928-2,491-2,168-2,708-3,799-3,100-3,170-1,306-1,667-211635-1,637-4,894-5,606-4,5213,7095,3576,7152,9251,699-1,219-1,463-4,725-8,418-9,689137-3,481-5,132-5,489-1,110-10,103-13,803-12,266-13,722-9,235-4,741-3,532-2,440-4,0349071,5601,674-1,2731,2668501,9144,4921,8474,3314,0271,5466,2596,1323,7397,3545,6175,1454,2032,5111,4341,7292,4882,0312,029-810-2,625-4,772-3,984-2,900-4002,0003,8005,0004,3006,1006,5006,0004,4002,9001,8002,4001,4007001,8002,5001,500
   Capital Surplus 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
18,090
18,103
18,115
18,127
18,136
18,148
18,157
18,170
49,759
49,782
49,800
49,823
49,846
49,871
49,896
49,914
49,933
49,959
49,992
50,004
50,025
50,050
50,075
50,091
50,117
50,142
50,173
50,199
50,225
50,577
50,577
50,737
50,890
51,087
51,290
51,487
51,701
51,956
52,268
52,523
52,818
53,205
53,508
53,795
54,191
53,651
53,958
54,252
54,572
54,869
0
0
0054,86954,57254,25253,95853,65154,19153,79553,50853,20552,81852,52352,26851,95651,70151,48751,29051,08750,89050,73750,57750,57750,22550,19950,17350,14250,11750,09150,07550,05050,02550,00449,99249,95949,93349,91449,89649,87149,84649,82349,80049,78249,75918,17018,15718,14818,13618,12718,11518,10318,090000000000000000000000000000000000000000000000000000000000000000
   Treasury Stock0000-12,8150-12,815-12,115-12,115-12,115-12,115-12,115-12,115-12,115-12,115-12,115-12,115-12,115-12,115-12,115-12,115-12,115-12,115-12,115-12,115-12,115-12,115-12,115-10,234-10,234-10,234-10,234-10,234-9,660-9,507-8,860-7,502-7,057-6,820-6,310-6,310-6,310-6,310-6,310-6,310-6,310-6,310-6,310-6,310-6,310-6,310-6,310-6,310-6,310-6,310-6,310-6,264-6,264-6,264-6,264-6,264-6,264-5,754-5,478-5,026-4,893-4,813-4,450-4,278-3,921-3,295-2,689-2,301-992-561-446-446-446-339-339-339-209-3,608-3,497-3,497-3,411-3,368-3,207-3,207-3,010-2,710-2,025-1,836-1,172-542-270-270000000000000000000
   Other Stockholders Equity 
4,300
4,400
4,400
4,600
4,500
4,500
4,500
4,600
4,600
4,700
4,700
4,600
4,700
4,500
4,500
18,000
17,900
17,900
13,950
13,162
15,037
16,232
18,407
18,220
17,992
16,949
16,457
17,534
19,067
14,880
14,817
14,825
14,719
17,350
17,242
17,242
17,242
17,254
17,261
17,265
17,150
16,780
15,471
15,083
14,489
13,889
13,554
13,402
13,056
12,993
12,878
12,452
12,190
11,695
11,706
11,719
11,731
11,744
11,756
11,722
11,735
11,754
11,768
11,780
11,793
11,805
11,817
11,826
11,838
11,847
11,860
43,449
43,472
43,490
43,513
43,536
43,051
42,839
42,412
41,073
40,452
40,332
39,770
39,791
39,816
39,841
39,857
38,002
38,027
38,058
38,084
38,110
-7,483
38,462
38,622
38,775
38,972
39,175
39,372
39,586
39,841
40,153
40,408
40,703
41,090
41,393
41,680
42,076
40,836
41,143
41,437
41,757
42,054
43,075
48,918
48,91843,07542,05441,75741,43741,14340,83642,07641,68041,39341,09040,70340,40840,15339,84139,58639,37239,17538,97238,77538,62238,462-7,48338,11038,08438,05838,02738,00239,85739,84139,81639,79139,77040,33240,45241,07342,41242,83943,05143,53643,51343,49043,47243,44911,86011,84711,83811,82611,81711,80511,79311,78011,76811,75411,73511,72211,75611,74411,73111,71911,70611,69512,19012,45212,87812,99313,05613,40213,55413,88914,48915,08315,47116,78017,15017,26517,26117,25417,24217,24217,24217,35014,71914,82514,81714,88019,06717,53416,45716,94917,99218,22018,40716,23215,03713,16213,95017,90017,90018,0004,5004,5004,7004,6004,7004,7004,6004,6004,5004,5004,5004,6004,4004,4004,300



Balance Sheet

Currency in USD. All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue99,970
Cost of Revenue-0
Gross Profit99,97099,970
 
Operating Income (+$)
Gross Profit99,970
Operating Expense-11,792
Operating Income-2,41988,178
 
Operating Expense (+$)
Research Development0
Selling General Administrative26,640
Selling And Marketing Expenses684
Operating Expense11,79227,324
 
Net Interest Income (+$)
Interest Income82,137
Interest Expense-14,500
Other Finance Cost-13,219
Net Interest Income54,418
 
Pretax Income (+$)
Operating Income-2,419
Net Interest Income54,418
Other Non-Operating Income Expenses0
Income Before Tax (EBT)20,322-22,741
EBIT - interestExpense = -16,919
20,322
31,108
Interest Expense14,500
Earnings Before Interest and Taxes (EBIT)-2,41934,822
Earnings Before Interest and Taxes (EBITDA)960
 
After tax Income (+$)
Income Before Tax20,322
Tax Provision-3,649
Net Income From Continuing Ops15,56216,673
Net Income16,608
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses79,648
Total Other Income/Expenses Net20,322-54,418
 

Technical Analysis of Penns Woods Bancorp Inc
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Penns Woods Bancorp Inc. The general trend of Penns Woods Bancorp Inc is BEARISH with 71.4% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Penns Woods Bancorp Inc's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (-71.4%) Bearish trend (71.4%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Penns Woods Bancorp Inc.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is -1/(-1 +1).

  • Around resistance: The price is trading arround resistance levels. This can be considered as a potential exit level. -1

The bullish price targets are: 19.62 < 20.17 < 22.85.

The bearish price targets are: 18.02.

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Penns Woods Bancorp Inc Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Penns Woods Bancorp Inc. The current mas is .

The long score for the Moving Averages is 2/14.
The longshort score for the Moving Averages is -10/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 < MA 200: The MA 20 is lower than the MA 200. -1
  • MA 50 trending down: The MA 50 is trending down. -1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 < MA 200: The MA 50 is lower than the MA 200. -1
  • MA 100 trending down: The MA 100 is trending down. -1
  • Close < MA 100: The price is below the MA 100. -1
  • MA 100 < MA 200: The MA 100 is lower than the MA 200. -1
  • MA 200 trending down: The MA 200 is trending down. -1
  • Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Penns Woods Bancorp Inc Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Penns Woods Bancorp Inc. The current macd is -0.16580479.

The long score for the Moving Average Convergence/Divergence (MACD) is 3/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 2/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Penns Woods Bancorp Inc price going up in the near term. +2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for Penns Woods Bancorp Inc. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the Penns Woods Bancorp Inc price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Penns Woods Bancorp Inc Daily Moving Average Convergence/Divergence (MACD) ChartPenns Woods Bancorp Inc Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Penns Woods Bancorp Inc. The current adx is 18.12.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is -1/(-7 +7).

  • PLUS_ID < MINUS_DI: The +DI line is below the -DI line. This indicates a bearish signal in the market, as the negative directional movement is currently stronger than the positive directional movement, showing that sellers have the upper hand. Market psychology suggests that traders are pessimistic, expecting further price decreases, and are more willing to sell Penns Woods Bancorp Inc shares, leading to potential downward momentum in its price. -1
  • PLUS_ID < MINUS_DI && ADX < 25 && ADX trending down: The ADX is below 25 and indicates a weak or no trend. Also, the ADX is declining so there is no trend indication.
Penns Woods Bancorp Inc Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Penns Woods Bancorp Inc. The current sar is 18.05.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
Penns Woods Bancorp Inc Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Penns Woods Bancorp Inc. The current rsi is 54.58. The current phase is Correction in bear market.

The long score for the Relative Strength Index (RSI) is 4/13.
The longshort score for the Relative Strength Index (RSI) is 4/(-13 +13).

  • Correction in bear market: Extended price decline in a downtrend, significant pullback. Consider reducing exposure, wait for signs of trend reversal.
  • Trending up: The RSI is trending up. +1
Penns Woods Bancorp Inc Daily Relative Strength Index (RSI) ChartPenns Woods Bancorp Inc Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Penns Woods Bancorp Inc. The current phase is Overbought in bear market.

The long score for the Stochastic Oscillator is 6/6.
The longshort score for the Stochastic Oscillator is 6/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH > 80: The STOCH %K is above 80 and overbought. +2
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Penns Woods Bancorp Inc price going up in the near term. +2
  • Trending up: The STOCH %K is trending up. +1
Penns Woods Bancorp Inc Daily Stochastic Oscillator ChartPenns Woods Bancorp Inc Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Penns Woods Bancorp Inc. The current cci is 135.99.

The long score for the Commodity Channel Index (CCI) is 1/1.
The longshort score for the Commodity Channel Index (CCI) is 1/(-1 +1).

  • CCI > 100: The CCI is above 100, it indicates that the price is significantly above its average, suggesting a potential overbought condition. +1
Penns Woods Bancorp Inc Daily Commodity Channel Index (CCI) ChartPenns Woods Bancorp Inc Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Penns Woods Bancorp Inc. The current cmo is 23.58.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Penns Woods Bancorp Inc Daily Chande Momentum Oscillator (CMO) ChartPenns Woods Bancorp Inc Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Penns Woods Bancorp Inc. The current willr is -14.19753086.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
Penns Woods Bancorp Inc Daily Williams %R ChartPenns Woods Bancorp Inc Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Penns Woods Bancorp Inc.

Penns Woods Bancorp Inc Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Penns Woods Bancorp Inc. The current atr is 0.57455193.

Penns Woods Bancorp Inc Daily Average True Range (ATR) ChartPenns Woods Bancorp Inc Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Penns Woods Bancorp Inc. The current obv is -1,316,556.

Penns Woods Bancorp Inc Daily On-Balance Volume (OBV) ChartPenns Woods Bancorp Inc Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Penns Woods Bancorp Inc. The current mfi is 29.79.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -1/(-2 +2).

  • MFI < 50: -1
Penns Woods Bancorp Inc Daily Money Flow Index (MFI) ChartPenns Woods Bancorp Inc Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Penns Woods Bancorp Inc.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-07SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-08SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-11-09STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-10SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2023-11-13SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-15SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2023-11-17SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-20MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-21WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2023-11-24STOCH SHORT EXITThe %K line crosses above the %D line.
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2023-11-27STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2023-11-29SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-01MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2023-12-04MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2023-12-06STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2023-12-07STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2023-12-08STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-12-11STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-12SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-13SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-15DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2023-12-18STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-19ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-20STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-22STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-26MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-27MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-12-28STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-29RSI SHORT ENTRY LONG CLOSE70 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-02SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-01-03MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-04DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2024-01-09WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-01-11STOCH SHORT EXITThe %K line crosses above the %D line.
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-01-12MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-01-16STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-01-17STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-19CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-22DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-01-24MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-25STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-26STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-29STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-31STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-01MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-07STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-08STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-02-12STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-13STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-14STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-16STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-20WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-02-22STOCH SHORT EXITThe %K line crosses above the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-02-23MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-02-26STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-27CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-02-29STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-04STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-03-06STOCH SHORT EXITThe %K line crosses above the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-03-07MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-03-11STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-13STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-14SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-03-18STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-19STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-03-20STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-25STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-27SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-28CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside

6.3. Candlestick Patterns

Penns Woods Bancorp Inc Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Penns Woods Bancorp Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5054.577
Ma 20Greater thanMa 5018.904
Ma 50Greater thanMa 10019.718
Ma 100Greater thanMa 20020.234
OpenGreater thanClose19.115
Total1/5 (20.0%)
Penke

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