Peer Analysis
Performance Ratios (%) PWOD Peer Median Peer Average
ROAA 0.94 1.53 1.30
ROAE 10.73 14.89 13.22
Net Interest Margin 3.31 3.84 3.67
Efficiency Ratio 64.80 64.49 60.79
Loans / Deposits 113.51 99.80 87.99
Asset Quality Ratios (%)
NPAs / Assets NA 2.06 2.06
NCOs / Avg Loans 0.06 0.05 0.34
Reserves / Loans 1.00 1.24 1.37
Reserves / NPAs NA 130.94 130.94
Capital Ratios (%)
Tier 1 Capital NA 12.49 13.84
Tangible Equity / Tangible Assets 7.52 8.84 8.96
Total Equity / Total Assets 8.52 9.01 9.72
Market Ratios
Price / Earnings (x) 13.10 10.39 9.86
Price / Book (%) 134.44 138.30 143.49
Dividend Yield (%) 4.57 0.70 1.29
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 12/31/2018.

Peer financial data is as of 12/31/2018 except for these companies:

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