Peer Analysis
Performance Ratios (%) PWOD Peer Median Peer Average
ROAA 0.94 1.16 1.06
ROAE 10.55 11.88 10.27
Net Interest Margin 3.29 3.48 3.50
Efficiency Ratio 63.52 58.28 58.25
Loans / Deposits 102.38 104.45 87.96
Asset Quality Ratios (%)
NPAs / Assets NA 2.05 2.05
NCOs / Avg Loans 0.34 0.10 0.31
Reserves / Loans 0.87 1.22 1.37
Reserves / NPAs NA 131.08 131.08
Capital Ratios (%)
Tier 1 Capital NA 12.60 13.42
Tangible Equity / Tangible Assets 8.32 8.99 9.10
Total Equity / Total Assets 9.31 9.40 9.87
Market Ratios
Price / Earnings (x) 15.53 10.78 11.23
Price / Book (%) 145.39 125.77 127.48
Dividend Yield (%) 4.00 1.82 1.75
Data for trailing four quarters

Penns Woods Bancorp, Inc.'s peer group consists of the following: American Bank Incorporated (AMBK), Bancorp, Inc. (TBBK), Codorus Valley Bancorp, Inc. (CVLY), Comm Bancorp, Inc. (CCBP), Eagle Bancorp, Inc. (EGBN), Unity Bancorp, Inc. (UNTY)

Penns Woods Bancorp, Inc.'s financial data is as of 12/31/2019.

Peer financial data is as of 12/31/2019 except for these companies:

Comm Bancorp, Inc.'s financial data is as of 9/30/2010.
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