Penns Woods Bancorp, Inc.

Penns Woods Bancorp, Inc.

PWOD
Penns Woods Bancorp, Inc.US flagNASDAQ Global Select
30.00
USD
-0.50
- -
228.43MMarket Cap
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
TTM
Revenue per Share
7.12
7.57
7.63
7.42
7.51
7.77
8.14
8.7
8.57
8.69
9.42
8.91
9.09
9.4
Basic EPS, GAAP
2.41
2.13
2.02
1.94
1.76
1.38
2.09
2.23
2.16
2.27
2.47
2.34
2.35
2.82
Free Cash Flow per Basic Share
2.18
1.88
2.21
1.88
1.7
1.8
2.17
1.61
2.74
2.38
3.33
2.53
2.41
2.14
Dividend per Share
1.25
1.44
1.25
1.25
1.25
1.25
1.25
1.26
1.28
1.28
1.28
1.29
1.28
1.28
Book Value per Share
13.29
13.49
13.12
13.93
14.55
14.89
15.86
16.82
17.69
18.65
19.86
21.34
21.25
21.89
Tangible Book Value per Share
15.75
16.46
16.25
16.48
16.8
16.95
17.81
19.46
20.78
21.91
21.37
24.59
25.04
25.88
Basic Weighted Avg Shares
6
7
7
7
7
7
7
7
7
7
7
7
8
8
Sales/Revenue/Turnover
41
50
55
53
53
55
57
61
60
61
66
63
68
71
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
2
3
4
4
3
3
3
3
4
4
3
4
4
Net Income, GAAP
14
14
15
14
12
10
15
16
15
16
17
17
18
21
Effective Tax Rate (%)
15.8
19.68
20.66
21.19
26.93
43.29
16.08
16.67
18.58
19.12
19.29
18.28
18.97
19.72
Profit Margin (%)
33.78
28.12
26.49
26.18
23.38
17.83
25.67
25.58
25.18
26.12
26.2
26.22
25.9
30
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
76
71
71
91
86
71
139
166
157
129
105
255
257
217
Total Equity
94
128
136
136
138
138
144
155
164
172
168
192
205
212
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
18.92
17
15.88
14.29
12.29
9.38
13.57
13.63
12.52
12.51
12.82
11.38
11.37
13.37

Capital Structure

FRC

in mil. unless spec.
Sep'24
Dec'24
Mar'25
ST Debt
10
40
72
LT Borrowings
246
248
208
LT Finance Leases
10
10
9
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
8
8
8
Market Capitalization
176
229
211

Working Capital

FRC

in mil. unless spec.
Sep'24
Dec'24
Mar'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
237
214
102
Accounts Receivable, Net
11
11
11
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
6
5
4
ST Debt
10
40
72
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
4.3%
5.91%
7.14%
Free Cash Flow
4.86%
14.96%
0.83%
Net Income, GAAP
3.35%
2.65%
6.81%
Sales/Revenue/Turnover
2.29%
2.39%
8.15%
Total Cash Common Dividend
0.65%
1.69%
5.26%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
17
15
15
16
63
2024
16
17
17
18
68
2025
19
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.66
0.59
0.31
0.77
2.34
2024
0.51
0.72
0.64
0.5
2.35
2025
0.97
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.32
0.32
0.32
0.33
1.29
2024
0.32
0.32
0.32
0.32
1.28
2025
0.32
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Richard Allen Grafmyre CFP
Full Time Employees
311
Sector
Financial Services
Industry
Banks - Regional
Address
300 Market Street Williamsport PA United States of America 17703-0967
IPO Date
Jun 2, 1994
Website
pwod.com
Business
Penns Woods Bancorp, Inc. is a bank holding company that operates through its subsidiaries Jersey Shore State Bank, Luzerne Bank, and United Insurance Solutions, providing commercial and consumer banking services along with insurance products primarily in north central and northeastern Pennsylvania. Jersey Shore State Bank and Luzerne Bank offer time, demand, and savings deposits including Super NOW accounts, money market certificates, investment certificates, fixed-rate certificates of deposit, and club accounts; they originate secured and unsecured commercial and consumer loans, construction and mortgage loans, residential mortgage loans, revolving credit loans with overdraft protection, small business loans, seasonal credit collateral loans, term loans, and accounts receivable and inventory financing. United Insurance Solutions provides home, auto, property and casualty, commercial, Medicare, and life insurance, while investment products are available through The M Group, doing business as The Comprehensive Financial Group; the company, founded in 1993 and headquartered in Williamsport, Pennsylvania, targets individual, business, public, and institutional customers across counties including Blair, Centre, Clinton, Luzerne, Lycoming, Montour, and Union. In July 2025, Northwest Bancshares, Inc. completed its $270.4 million all-stock acquisition of Penns Woods, merging Jersey Shore State Bank and Luzerne Bank into Northwest Bank to enhance the combined entity's presence in Pennsylvania with added branch locations and over $17 billion in pro forma assets.

Company News

APIChatGPT
  • Northwest Bancshares, Inc. Completes Acquisition of Penns Woods Bancorp, Inc.

  • Penns Woods Bancorp, Inc. Announces Quarterly Dividend

  • Penns Woods Bancorp, Inc. Reports First Quarter 2025 Earnings

  • Northwest Bancshares, Inc. Merger with Penns Woods Bancorp, Inc. Receives Regulatory and Shareholder Approval

  • PENNS WOODS INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Penns Woods Bancorp, Inc. - PWOD

  • Penns Woods Bancorp, Inc. Announces Quarterly Dividend

  • Penns Woods Bancorp, Inc. Reports Fourth Quarter 2024 Earnings

  • PENNS WOODS INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Penns Woods Bancorp, Inc. - PWOD

  • $HAREHOLDER ALERT: The M&A Class Action Firm Investigates the Merger of Penns Woods Bancorp, Inc. - PWOD

  • Shareholder Alert: Ademi LLP investigates whether Penns Woods Bancorp, Inc. is obtaining a Fair Price for its Public Shareholders

  • PWOD Stock Alert: Halper Sadeh LLC Is Investigating Whether the Sale of Penns Woods Bancorp, Inc. Is Fair to Shareholders

  • Northwest Bancshares Announces Agreement to Acquire Penns Woods Bancorp

  • Northwest Bancshares, Inc. Announces Agreement to Acquire Penns Woods Bancorp, Inc.

  • Penns Woods Bancorp, Inc. Announces Quarterly Dividend

  • Penns Woods Bancorp, Inc. Reports Third Quarter 2024 Earnings

  • Penns Woods Bancorp, Inc. Announces Quarterly Dividend

  • Penns Woods Bancorp: 5.9% Dividend Yield, But Earnings Outlook Is Lackluster

  • Penns Woods Bancorp, Inc. Amends CEO Grafmyre Contract

  • Penns Woods Bancorp, Inc. Announces Quarterly Dividend

  • Penns Woods Bancorp, Inc. Announces Stock Repurchase Program