Hubert Valencik - Penns Woods Independent Director

PWOD Stock  USD 17.39  0.03  0.17%   

Director

Mr. Hubert A. Valencik is Independent Director of Penns Woods Bancorp Inc. He is a retired former Senior Vice President and Chief Operations Officer of the Corporationrationration. Mr. Valencik has served as a director since 2005. As the former Chief Operations Officer Mr. Valencik continues to provide the board valuable insight and information regarding the operations of the Corporation which assists the board in providing adequate levels of management oversight. since 2005.
Age 72
Tenure 19 years
Address 300 Market Street, Williamsport, PA, United States, 17703-0967
Phone570 322 1111
Webhttps://www.pwod.com

Penns Woods Management Efficiency

The current year's Return On Equity is expected to grow to 0.14, whereas Return On Tangible Assets are forecasted to decline to 0.01. At present, Penns Woods' Non Current Assets Total are projected to increase significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 2.2 B, whereas Other Current Assets are forecasted to decline to about 46.1 M. Penns Woods' management efficiency ratios could be used to measure how well Penns Woods manages its routine affairs as well as how well it operates its assets and liabilities.
The company currently holds 401.09 M in liabilities with Debt to Equity (D/E) ratio of 0.67, which is about average as compared to similar companies. Debt can assist Penns Woods until it has trouble settling it off, either with new capital or with free cash flow. So, Penns Woods' shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Penns Woods Bancorp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Penns to invest in growth at high rates of return. When we think about Penns Woods' use of debt, we should always consider it together with cash and equity.

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Penns Woods Bancorp, Inc. operates as the bank holding company for Jersey Shore State Bank and Luzerne Bank, which provides commercial and retail banking services to individuals, partnerships, non-profit organizations, and corporations. The company was founded in 1907 and is headquartered in Williamsport, Pennsylvania. Penns Woods operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 322 people. Penns Woods Bancorp (PWOD) is traded on NASDAQ Exchange in USA. It is located in 300 Market Street, Williamsport, PA, United States, 17703-0967 and employs 308 people. Penns Woods is listed under Regional Banks category by Fama And French industry classification.

Management Performance

Penns Woods Bancorp Leadership Team

Elected by the shareholders, the Penns Woods' board of directors comprises two types of representatives: Penns Woods inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Penns. The board's role is to monitor Penns Woods' management team and ensure that shareholders' interests are well served. Penns Woods' inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Penns Woods' outside directors are responsible for providing unbiased perspectives on the board's policies.
Ronald Walko, Chairman of the Board of the Corporation and the Bank
Gerald Seman, President Services
William Edwards, Independent Director
Aron Carter, Senior Vice President Chief Risk Officer
CPA CGMA, CFO President
Daniel Brewer, Independent Director
PCm CFMP, Secretary VP
CFP CFP, CEO Director
Michael Hawbaker, Independent Director
Richard Grafmyre, President and CEO of the Corporation and the Bank, Director
James Furey, Independent Director
Kim Yale, IR Contact Officer
William Rockey, Director
Brian Knepp, CFO, Principal Accounting Officer, Sr. VP, Secretary, Principal Financial Officer of Jersey Shore State Bank, Principal Accounting Officer of Jersey Shore State Bank and Secretary of Jersey Shore State Bank
Christine Barto, Senior Officer
Joseph Kluger, Director
Richard CFP, CEO Director
Hubert Valencik, Independent Director
William Mauck, SVP Ops
John Nackley, Independent Director
Jill Schwartz, Independent Director
Michelle Karas, COO, Senior Vice President Secretary
Leroy Keiler, Independent Director
Jack Jones, Senior Officer
Michael Casale, Independent Director
Cameron Kephart, Director
Mark Beatty, Chief VP
Roxanna Chapman, VP Operations
Edward Nestlerode, Chairman of the Board

Penns Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Penns Woods a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Penns Woods in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Penns Woods' short interest history, or implied volatility extrapolated from Penns Woods options trading.

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When determining whether Penns Woods Bancorp is a strong investment it is important to analyze Penns Woods' competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Penns Woods' future performance. For an informed investment choice regarding Penns Stock, refer to the following important reports:
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Penns Woods Bancorp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in persons.
You can also try the Equity Valuation module to check real value of public entities based on technical and fundamental data.

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When running Penns Woods' price analysis, check to measure Penns Woods' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Penns Woods is operating at the current time. Most of Penns Woods' value examination focuses on studying past and present price action to predict the probability of Penns Woods' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Penns Woods' price. Additionally, you may evaluate how the addition of Penns Woods to your portfolios can decrease your overall portfolio volatility.
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Is Penns Woods' industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Penns Woods. If investors know Penns will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Penns Woods listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.198
Dividend Share
1.28
Earnings Share
2.34
Revenue Per Share
9.06
Quarterly Revenue Growth
0.05
The market value of Penns Woods Bancorp is measured differently than its book value, which is the value of Penns that is recorded on the company's balance sheet. Investors also form their own opinion of Penns Woods' value that differs from its market value or its book value, called intrinsic value, which is Penns Woods' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Penns Woods' market value can be influenced by many factors that don't directly affect Penns Woods' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Penns Woods' value and its price as these two are different measures arrived at by different means. Investors typically determine if Penns Woods is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Penns Woods' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.