Start with its own history
At 10.75×, PWOD is 23.5% below its 10-observation annual average. A lower multiple can reflect a lower price, higher earnings, or weaker growth expectations—not necessarily a bargain.
NASDAQ · PWODBanks - RegionalUpdated Nov 4, 2026
Penns Woods Bancorp, Inc. P/E ratio
Current valuation, historical context, and peer comparisons.
Current P/E ratio
10.75×
23.5% belowthe 10-year annual average
Share price30
÷Earnings per share2.79
Price and EPS in quote currency. Calculation details
Investors are paying 10.75 for every 1 of reported earnings per share.
P/E over time
2015 – 2024
Annual P/ESelected-period average 14.06×
3-year average11.11×3 positive annual observations
5-year average11.16×5 positive annual observations
10-year average14.06×10 positive annual observations
Peer median · TTM12.12×7 peers with positive P/E
Historical P/E ratios
Annual period-end data · 25 observations
| Period end | P/E | Change |
|---|---|---|
| Dec 31, 2024 | 12.93× | +34.4% |
| Dec 31, 2023 | 9.62× | -10.7% |
| Dec 31, 2022 | 10.78× | +3.4% |
| Dec 31, 2021 | 10.42× | -13.5% |
| Dec 31, 2020 | 12.04× | -24.5% |
| Dec 31, 2019 | 15.95× | +24.2% |
| Dec 31, 2018 | 12.84× | -42.5% |
| Dec 31, 2017 | 22.34× | +16.8% |
View all 25 annual observations +
| Period end | P/E | Change |
|---|---|---|
| Dec 31, 2016 | 19.13× | +31.1% |
| Dec 31, 2015 | 14.59× | -10.2% |
| Dec 31, 2014 | 16.26× | +1.8% |
| Dec 31, 2013 | 15.96× | +54.2% |
| Dec 31, 2012 | 10.35× | -13.9% |
| Dec 31, 2011 | 12.02× | -13.9% |
| Dec 31, 2010 | 13.96× | -31.6% |
| Dec 31, 2009 | 20.41× | +83.5% |
| Dec 31, 2008 | 11.12× | -22.0% |
| Dec 31, 2007 | 14.26× | -7.8% |
| Dec 31, 2006 | 15.46× | +9.2% |
| Dec 31, 2005 | 14.16× | -18.5% |
| Dec 31, 2004 | 17.37× | +24.9% |
| Dec 31, 2003 | 13.91× | -15.0% |
| Dec 31, 2002 | 16.36× | -10.3% |
| Dec 31, 2001 | 18.23× | +16.8% |
| Dec 31, 2000 | 15.60× | N/M |
Change is relative to the preceding observation. N/M values are excluded from averages.
How PWOD compares
Company P/E vs. peer trailing-12-month ratios
| Company | P/E ratio |
|---|---|
 PWOD This stockPenns Woods Bancorp, Inc. | 10.75× |
 CFFIC&F Financial Corporation | 12.03× |
 CHMGChemung Financial Corporation | 10.90× |
 CZNCCitizens & Northern Corporation | 14.46× |
 FDBCFidelity D & D Bancorp, Inc. | 12.63× |
 NKSHNational Bankshares, Inc. | 12.12× |
 PFISPeoples Financial Services Corp. | 12.33× |
 THFFFirst Financial Corporation | 10.29× |
Peers are selected by the data provider. Business models and earnings definitions can differ.
Put the numbers in context
What does PWOD’s P/E tell you?
Compare like with like
The median of the 7 positive peer ratios above is 12.12×. Check growth, margins, debt, and earnings quality before interpreting the gap. A faster-growing business may justify a higher multiple.
Check what drives earnings
One-off gains can temporarily lower P/E; unusual charges can raise it. Reported earnings and forward estimates answer different questions. Pair this view with return on equity and liquidity for a fuller picture.
Keep your research connected
Take PWOD into your spreadsheet
Pull historical P/E into Excel or Google Sheets with Wisesheets. Build your own comparisons alongside the rest of your financial model.
Explore WisesheetsQuarterly P/E · latest quarterLQ selects the latest reported quarter. Requires the Wisesheets add-in. See available data
=WISE("PWOD", "PE Ratio", "LQ")Sources & calculation methodology
Current P/E
Share price 30 ÷ EPS 2.79 = 10.75×. Data is supplied by Financial Modeling Prep through Wisesheets. Quote feed updated Nov 4, 2026; this is not a real-time trading quote.
History & averages
Annual and quarterly P/E observations are provided separately from the current quote. Averages use the latest 3, 5, or 10 annual observations, excluding missing and nonpositive ratios. Pre-IPO observations are omitted. These are period-end observations, not daily averages.
Data definitions and limitations
The current quote feed does not specify the exact EPS filing-period end or whether EPS is basic or diluted. We do not label it as forward P/E. Peer ratios are explicitly trailing-12-month (TTM) values. Historical observations do not include independently verified price and EPS inputs. Sources may update on different schedules; rounded inputs can produce small calculation differences. Historical comparisons describe past pricing, not an estimate of fair value.
PWOD P/E ratio: common questions
The essentials behind the numbers.
Penns Woods Bancorp, Inc.'s current P/E is 10.75× based on the quote data last updated Nov 4, 2026. It represents the share price divided by reported earnings per share. Prices and earnings may refresh on different schedules.
Annual P/E uses earnings for a completed fiscal year. Trailing-12-month (TTM) P/E uses the latest four quarters, while forward P/E uses forecast earnings. These are not interchangeable. This page labels peer ratios as TTM and shows dated annual or quarterly historical observations; it does not show forward estimates.
N/M means not meaningful: the feed has no positive P/E for that observation. Negative or zero earnings should not be ranked as a low positive valuation multiple. N/M observations are excluded from the averages shown above.
Divide the share price by earnings per share (EPS). For example, a share price of 100 and EPS of 5 gives a P/E of 20×. This page uses the price and EPS supplied together in the quote when both are positive.
Price timestamps, EPS definitions, share classes, adjustments, and fiscal periods can differ. A forward P/E also uses forecast earnings rather than reported earnings. Compare the inputs and as-of dates before comparing two displayed ratios.
Not necessarily. The average describes previous market pricing, not fair value. Changes in earnings quality, growth expectations, debt, accounting, and business risk can justify a different multiple today.