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Penns Woods Bancorp, Inc. PWOD
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 29.87
-0.599 %
$ 225 M
Market Cap
11.31
P/E
1. INTRINSIC VALUE

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. It accepts time, demand, and savings deposits, including super NOW accounts, statement savings accounts, money market accounts, and certificates of deposit, as well as checking and individual retirement accounts. The company also offers loan products comprising residential, commercial, and construction real estate loans; agricultural loans for the purchase or improvement of real estate; commercial loans for the acquisition and improvement of real estate, purchase of equipment, and working capital purposes; letters of credit; consumer loans, such as construction and residential mortgages, home equity loans and lines, automobile financing, personal loans and lines of credit, and overdraft and check lines; and revolving credit loans with overdraft protection.[ Read More ]

The intrinsic value of one PWOD stock under the base case scenario is HIDDEN Compared to the current market price of 29.9 USD, Penns Woods Bancorp, Inc. is HIDDEN

PWOD Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart PWOD

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FINANCIALS
63.3 M REVENUE
-4.74%
Growth Rates
1Year -4.74%
3Years 1.60%
5Years 2.03%
7Years 2.48%
10Years 2.38%
23.3 M OPERATING INCOME
-19.01%
Growth Rates
1Year -19.01%
3Years 7.60%
5Years -3.95%
7Years -1.45%
10Years -0.25%
16.6 M NET INCOME
-4.67%
Growth Rates
1Year -4.67%
3Years 2.94%
5Years 2.47%
7Years 4.17%
10Years 1.66%
18.8 M OPERATING CASH FLOW
-21.22%
Growth Rates
1Year -21.22%
3Years -5.07%
5Years 1.74%
7Years 2.24%
10Years 0.83%
-197 M INVESTING CASH FLOW
33.82%
Growth Rates
1Year 33.82%
3Years -163.73%
5Years -2.08%
7Years -51.46%
10Years -17.86%
175 M FINANCING CASH FLOW
249.03%
Growth Rates
1Year 249.03%
3Years 4.52%
5Years -2.60%
7Years 41.37%
10Years 19.22%
30.6 M REVENUE
5.35%
Growth Rates
1Year -4.74%
3Years 1.60%
5Years 2.03%
7Years 2.48%
10Years 2.38%
5.85 M OPERATING INCOME
-20.79%
Growth Rates
1Year -19.01%
3Years 7.60%
5Years -3.95%
7Years -1.45%
10Years -0.25%
4.8 M NET INCOME
-10.95%
Growth Rates
1Year -4.67%
3Years 2.94%
5Years 2.47%
7Years 4.17%
10Years 1.66%
-1.6 M OPERATING CASH FLOW
-18.79%
Growth Rates
1Year -21.22%
3Years -5.07%
5Years 1.74%
7Years 2.24%
10Years 0.83%
-35.2 M INVESTING CASH FLOW
-46.79%
Growth Rates
1Year 33.82%
3Years -163.73%
5Years -2.08%
7Years -51.46%
10Years -17.86%
17.4 M FINANCING CASH FLOW
-3.25%
Growth Rates
1Year 249.03%
3Years 4.52%
5Years -2.60%
7Years 41.37%
10Years 19.22%
Balance Sheet Decomposition Penns Woods Bancorp, Inc.
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Current Assets 48.5 M
Cash & Short-Term Investments 37.5 M
Receivables 11 M
Other Current Assets 0
Non-Current Assets 2.32 B
Long-Term Investments 200 M
PP&E 32.8 M
Other Non-Current Assets 2.08 B
Current Liabilities 146 M
Accounts Payable 3.81 M
Short-Term Debt 187 M
Other Current Liabilities -44.5 M
Non-Current Liabilities 1.87 B
Long-Term Debt 214 M
Other Non-Current Liabilities 1.65 B
EFFICIENCY
Earnings Waterfall Penns Woods Bancorp, Inc.
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Revenue 63.3 M
Cost Of Revenue 0
Gross Profit 63.3 M
Operating Expenses 63.3 M
Operating Income 23.3 M
Other Expenses 6.66 M
Net Income 16.6 M
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.00%
5Years 100.00%
7Years 100.00%
10Years 100.00%
36.74% OPERATING MARGIN
36.74%
Averages
1Year 36.74%
3Years 37.42%
5Years 34.78%
7Years 38.47%
10Years 41.44%
26.22% NET MARGIN
26.22%
Averages
1Year 26.22%
3Years 26.18%
5Years 25.86%
7Years 24.71%
10Years 24.88%
8.67% ROE
8.67%
Averages
1Year 8.67%
3Years 9.46%
5Years 9.55%
7Years 9.29%
10Years 9.50%
0.75% ROA
0.75%
Averages
1Year 0.75%
3Years 0.82%
5Years 0.84%
7Years 0.82%
10Years 0.89%
3.26% ROIC
3.26%
Averages
1Year 3.26%
3Years 4.68%
5Years 4.73%
7Years 4.78%
10Years 5.85%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Penns Woods Bancorp, Inc.
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Net Income 16.6 M
Depreciation & Amortization 2.95 M
Capital Expenditures -806 K
Stock-Based Compensation 951 K
Change in Working Capital 497 K
Others -2.18 M
Free Cash Flow 18 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Penns Woods Bancorp, Inc.
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PWOD has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
1.34% DIVIDEND YIELD
0.32 USD DIVIDEND PER SHARE
5. COMPETITION

1st Source Corporation operates as the bank holding company for 1st Source Bank that provides commercial and consumer banking services, trust and wealth advisory services, and insurance products to individual and business clients.

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64.3 USD
SRCE
Overvalued 0.88%

Great Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that offers a range of financial services in the United States.

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47.3 USD
GSBC
Overvalued 25.22%

Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the United States.

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-12.7 USD
WSBF
Overvalued 182.50%

First Community Corporation operates as the bank holding company for First Community Bank which offers various commercial and retail banking products and services to small-to-medium sized businesses, professional concerns, and individuals.

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21.2 USD
FCCO
Overvalued 12.55%

Oak Valley Bancorp operates as the bank holding company for Oak Valley Community Bank that provides a range of commercial banking services to individuals and small to medium-sized businesses in the Central Valley and the Eastern Sierras.

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155 USD
OVLY
Undervalued 419.32%

First Financial Northwest, Inc. operates as the bank holding company for First Financial Northwest Bank that provides commercial banking services in Washington.

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0.673 USD
FFNW
Overvalued 96.96%

ESSA Bancorp, Inc. operates as a bank holding company for ESSA Bank & Trust that provides a range of financial services to individuals, families, and businesses in Pennsylvania.

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47.4 USD
ESSA
Undervalued 134.63%

FS Bancorp, Inc. operates as a bank holding company for 1st Security Bank of Washington that provides banking and financial services to local families, local and regional businesses, and industry niches.

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105 USD
FSBW
Undervalued 126.69%

Old Point Financial Corporation operates as the bank holding company for The Old Point National Bank of Phoebus that provides consumer, mortgage, and business banking services for individual and commercial customers in Virginia.

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49.4 USD
OPOF
Undervalued 139.13%

Chemung Financial Corporation operates as the holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services.

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58.8 USD
CHMG
Undervalued 14.16%

Home Bancorp, Inc. operates as the bank holding company for Home Bank, National Association that provides various banking products and services in Louisiana and Mississippi.

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81.1 USD
HBCP
Undervalued 64.20%

Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services. The company accepts a range of deposit products, including interest-bearing and non-interest bearing transaction accounts, and statement savings and money market accounts, as well as certificate of deposits.

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33.9 USD
NWFL
Undervalued 9.77%

Home Federal Bancorp, Inc. of Louisiana operates as the holding company for Home Federal Bank that provides various financial services to individuals, corporate entities, and other organizations.

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9.74 USD
HFBL
Overvalued 20.62%

Rhinebeck Bancorp, Inc. operates as the bank holding company for Rhinebeck Bank that provides banking and financial products and services to consumer and commercial customers in the Hudson Valley region of New York.

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-1.55 USD
RBKB
Overvalued 116.11%

Finward Bancorp operates as the holding company for Peoples Bank that provides various banking products and services. The company's deposit products include non-interest and interest bearing demand accounts, savings accounts, money market deposit accounts, certificate accounts, and retirement savings plans.

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28.1 USD
FNWD
Overvalued 10.63%
6. Ownership
Insider Ownership Penns Woods Bancorp, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
40.1 K USD 1
3-6 MONTHS
273 K USD 8
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
5 months ago
Jun 11, 2024
Bought 2.01 K USD
Kranich Charles E.
Director
+ 100
 20.087 USD
5 months ago
Jun 11, 2024
Bought 2.01 K USD
Kranich Charles E.
Director
+ 100
 20.1 USD
5 months ago
Jun 11, 2024
Bought 23.8 K USD
Kranich Charles E.
Director
+ 1185
 20.09 USD
5 months ago
Jun 11, 2024
Bought 301 USD
Kranich Charles E.
Director
+ 15
 20.05 USD
5 months ago
Jun 03, 2024
Bought 7.96 K USD
Kranich Charles E.
Director
+ 400
 19.8962 USD
5 months ago
Jun 03, 2024
Bought 3.99 K USD
Kranich Charles E.
Director
+ 200
 19.953 USD
6 months ago
Apr 30, 2024
Bought 0 USD
Karas Michelle M
Chief Data Officer
+ 0
 17.3 USD
6 months ago
May 03, 2024
Bought 9.34 K USD
Kranich Charles E.
Director
+ 500
 18.6774 USD
6 months ago
May 02, 2024
Bought 9.98 K USD
Carter Aron M
Senior Vice President
+ 535
 18.655 USD
6 months ago
Apr 30, 2024
Bought 28.9 K USD
KNEPP BRIAN L
President
+ 1670
 17.3 USD
6 months ago
Apr 30, 2024
Bought 17.4 K USD
KNEPP BRIAN L
President
+ 1000
 17.35 USD
6 months ago
Apr 30, 2024
Bought 1.73 K USD
Karas Michelle M
Chief Data Officer
+ 100
 17.3 USD
6 months ago
Apr 30, 2024
Bought 3.31 K USD
NESTLERODE R EDWARD JR
Director
+ 190
 17.42 USD
6 months ago
Apr 30, 2024
Bought 10.4 K USD
NESTLERODE R EDWARD JR
Director
+ 600
 17.41 USD
6 months ago
Apr 30, 2024
Bought 2.32 K USD
NESTLERODE R EDWARD JR
Director
+ 133
 17.46 USD
6 months ago
Apr 30, 2024
Bought 1.93 K USD
NESTLERODE R EDWARD JR
Director
+ 110
 17.535 USD
6 months ago
Apr 30, 2024
Bought 3.51 K USD
NESTLERODE R EDWARD JR
Director
+ 200
 17.57 USD
6 months ago
Apr 30, 2024
Bought 6.17 K USD
NESTLERODE R EDWARD JR
Director
+ 351
 17.58 USD
6 months ago
Apr 30, 2024
Bought 13.6 K USD
NESTLERODE R EDWARD JR
Director
+ 785
 17.36 USD
6 months ago
Apr 30, 2024
Bought 530 USD
NESTLERODE R EDWARD JR
Director
+ 30
 17.655 USD
6 months ago
Apr 30, 2024
Bought 7.82 K USD
Kephart Cameron
Director
+ 450
 17.3873 USD
6 months ago
Apr 30, 2024
Bought 8.66 K USD
Kranich Charles E.
Director
+ 500
 17.316 USD
6 months ago
Apr 30, 2024
Bought 44 K USD
Kranich Charles E.
Director
+ 2500
 17.6 USD
6 months ago
Apr 30, 2024
Bought 51.9 K USD
Grafmyre Richard A
Chief Executive Officer
+ 3000
 17.3 USD
6 months ago
Apr 30, 2024
Bought 51.9 K USD
CASALE MICHAEL J JR
Director
+ 3000
 17.29 USD
1 year ago
Aug 28, 2023
Bought 16.8 K USD
Kranich Charles E.
Director
+ 668
 25.11 USD
1 year ago
Jul 31, 2023
Bought 3.32 K USD
Kranich Charles E.
Director
+ 125
 26.52 USD
1 year ago
Jul 31, 2023
Bought 3.37 K USD
Kranich Charles E.
Director
+ 125
 26.99 USD
1 year ago
May 08, 2023
Bought 2.23 K USD
Kranich Charles E.
Director
+ 100
 22.29 USD
1 year ago
May 08, 2023
Bought 6.71 K USD
Kranich Charles E.
Director
+ 300
 22.3746 USD
1 year ago
May 08, 2023
Bought 66.8 USD
Kranich Charles E.
Director
+ 3
 22.28 USD
1 year ago
May 08, 2023
Bought 13.3 K USD
Kranich Charles E.
Director
+ 597
 22.21 USD
1 year ago
May 05, 2023
Bought 29.9 K USD
Edwards William
Director
+ 1307
 22.89 USD
1 year ago
May 04, 2023
Bought 18.2 K USD
Kranich Charles E.
Director
+ 800
 22.74 USD
1 year ago
May 04, 2023
Bought 22.4 K USD
Kranich Charles E.
Director
+ 1000
 22.37 USD
1 year ago
Mar 13, 2023
Bought 11.8 K USD
Brewer Daniel K.
Director
+ 500
 23.67 USD
1 year ago
Mar 13, 2023
Bought 11.9 K USD
Brewer Daniel K.
Director
+ 500
 23.72 USD
1 year ago
Mar 13, 2023
Bought 4.99 K USD
Kephart Cameron
Director
+ 208
 24 USD
1 year ago
Mar 13, 2023
Bought 6.05 K USD
Kranich Charles E.
Director
+ 250
 24.183 USD
1 year ago
Mar 13, 2023
Bought 23.4 K USD
Kranich Charles E.
Director
+ 970
 24.1465 USD
1 year ago
Mar 07, 2023
Bought 7.42 K USD
Kephart Cameron
Director
+ 277
 26.7866 USD
1 year ago
Feb 03, 2023
Bought 3.76 K USD
Kranich Charles E.
Director
+ 140
 26.88 USD
1 year ago
Feb 03, 2023
Bought 15.8 K USD
Kranich Charles E.
Director
+ 588
 26.804 USD
2 years ago
Sep 07, 2022
Bought 1.14 K USD
Brewer Daniel K.
director:
+ 51
 22.3 USD
2 years ago
Sep 06, 2022
Bought 445 USD
Brewer Daniel K.
director:
+ 20
 22.25 USD
2 years ago
Aug 04, 2022
Bought 3.97 K USD
Kephart Cameron
director:
+ 176
 22.5775 USD
2 years ago
Jun 14, 2022
Bought 22.8 K USD
Grafmyre Richard A
Chief Executive Officer
+ 1000
 22.75 USD
2 years ago
Jun 14, 2022
Bought 10.1 K USD
KNEPP BRIAN L
President
+ 445
 22.75 USD
2 years ago
May 20, 2022
Bought 9.99 K USD
KNEPP BRIAN L
President
+ 445
 22.45 USD
2 years ago
May 20, 2022
Bought 28.3 K USD
Kranich Charles E.
director:
+ 1250
 22.63 USD
2 years ago
May 19, 2022
Bought 10.3 K USD
KNEPP BRIAN L
President
+ 450
 22.85 USD
2 years ago
May 12, 2022
Bought 22.9 K USD
Grafmyre Richard A
Chief Executive Officer
+ 1000
 22.9 USD
2 years ago
May 05, 2022
Bought 6.92 K USD
Kranich Charles E.
director:
+ 300
 23.055 USD
2 years ago
May 05, 2022
Bought 2.26 K USD
KNEPP BRIAN L
President
+ 98
 23.09 USD
2 years ago
May 05, 2022
Bought 7.78 K USD
KNEPP BRIAN L
President
+ 337
 23.1 USD
2 years ago
May 05, 2022
Bought 23.1 K USD
Brewer Daniel K.
director:
+ 1000
 23.1 USD
2 years ago
Apr 27, 2022
Bought 2.36 K USD
Neher Robert
President Luzerne Bank
+ 100
 23.579 USD
2 years ago
Apr 27, 2022
Bought 11.6 K USD
KNEPP BRIAN L
President
+ 495
 23.46 USD
2 years ago
Apr 27, 2022
Bought 9.99 K USD
KNEPP BRIAN L
President
+ 425
 23.5 USD
2 years ago
May 02, 2022
Bought 58.6 K USD
Grafmyre Richard A
Chief Executive Officer
+ 2500
 23.45 USD
2 years ago
May 03, 2022
Bought 10 K USD
KNEPP BRIAN L
President
+ 430
 23.3 USD
2 years ago
May 02, 2022
Bought 58.6 K USD
Grafmyre Richard A
Chief Executive Officer
+ 2500
 23.45 USD
2 years ago
Apr 29, 2022
Bought 1.18 K USD
Kranich Charles E.
director:
+ 50
 23.7 USD
2 years ago
Apr 27, 2022
Bought 2.36 K USD
Neher Robert
President Luzerne Bank
+ 100
 23.579 USD
2 years ago
Apr 27, 2022
Bought 9.99 K USD
KNEPP BRIAN L
President
+ 425
 23.5 USD
3 years ago
Nov 15, 2021
Bought 3.65 K USD
FUREY JAMES M II
Director
+ 147
 24.85 USD
2 years ago
Dec 01, 2021
Bought 8.05 K USD
Brewer Daniel K.
Director
+ 339
 23.75 USD
2 years ago
Nov 29, 2021
Bought 23.8 K USD
Brewer Daniel K.
Director
+ 1000
 23.75 USD
3 years ago
Nov 15, 2021
Bought 1.24 K USD
FUREY JAMES M II
Director
+ 50
 24.85 USD
3 years ago
Nov 02, 2021
Bought 311 USD
Nackley John G Sr
Director
+ 13
 23.9318 USD
3 years ago
Nov 02, 2021
Bought 1.19 K USD
Nackley John G Sr
Director
+ 50
 23.85 USD
3 years ago
Nov 02, 2021
Bought 2.4 K USD
Nackley John G Sr
Director
+ 100
 23.9631 USD
3 years ago
Nov 02, 2021
Bought 888 USD
Nackley John G Sr
Director
+ 37
 23.99 USD
3 years ago
Nov 02, 2021
Bought 1.51 K USD
Nackley John G Sr
Director
+ 63
 23.996 USD
3 years ago
Nov 02, 2021
Bought 1.2 K USD
Nackley John G Sr
Director
+ 50
 23.9873 USD
3 years ago
Nov 02, 2021
Bought 4.79 K USD
Nackley John G Sr
Director
+ 200
 23.95 USD
3 years ago
Nov 02, 2021
Bought 1.2 K USD
Nackley John G Sr
Director
+ 50
 23.9316 USD
3 years ago
Nov 02, 2021
Bought 2.39 K USD
Nackley John G Sr
Director
+ 100
 23.9 USD
3 years ago
Nov 02, 2021
Bought 1.2 K USD
Nackley John G Sr
Director
+ 50
 23.9319 USD
3 years ago
Nov 01, 2021
Bought 2.39 K USD
Nackley John G Sr
Director
+ 100
 23.93 USD
3 years ago
Nov 01, 2021
Bought 8.36 K USD
Nackley John G Sr
Director
+ 350
 23.9 USD
3 years ago
Nov 01, 2021
Bought 1.19 K USD
Nackley John G Sr
Director
+ 50
 23.85 USD
3 years ago
Oct 29, 2021
Bought 2.4 K USD
Nackley John G Sr
Director
+ 100
 23.95 USD
3 years ago
Oct 29, 2021
Bought 2.94 K USD
Nackley John G Sr
Director
+ 123
 23.9 USD
3 years ago
Oct 29, 2021
Bought 646 USD
Nackley John G Sr
Director
+ 27
 23.93 USD
3 years ago
Oct 29, 2021
Bought 5.96 K USD
Nackley John G Sr
Director
+ 250
 23.85 USD
3 years ago
Oct 28, 2021
Bought 1.14 K USD
Nackley John G Sr
Director
+ 48
 23.81 USD
3 years ago
Oct 28, 2021
Bought 5.8 K USD
Nackley John G Sr
Director
+ 244
 23.78 USD
3 years ago
Oct 28, 2021
Bought 2.38 K USD
Nackley John G Sr
Director
+ 100
 23.79 USD
3 years ago
Oct 28, 2021
Bought 1.37 K USD
Nackley John G Sr
Director
+ 58
 23.7 USD
3 years ago
Oct 28, 2021
Bought 1.19 K USD
Nackley John G Sr
Director
+ 50
 23.75 USD
3 years ago
Oct 27, 2021
Bought 2.05 K USD
Nackley John G Sr
Director
+ 87
 23.6 USD
3 years ago
Oct 27, 2021
Bought 3.55 K USD
Nackley John G Sr
Director
+ 150
 23.65 USD
3 years ago
Oct 27, 2021
Bought 1.18 K USD
Nackley John G Sr
Director
+ 50
 23.55 USD
3 years ago
Oct 27, 2021
Bought 5.92 K USD
Nackley John G Sr
Director
+ 250
 23.7 USD
3 years ago
Oct 28, 2021
Bought 9.74 K USD
Kluger Joseph E
Director
+ 410
 23.76 USD
3 years ago
Sep 28, 2021
Bought 28.8 K USD
Nackley John G Sr
Director
+ 1200
 24.0128 USD
3 years ago
Sep 28, 2021
Bought 13.1 K USD
Nackley John G Sr
Director
+ 550
 23.8418 USD
3 years ago
Sep 10, 2021
Bought 11.8 K USD
Grafmyre Richard A
Chief Executive Officer
+ 500
 23.66 USD
3 years ago
Sep 09, 2021
Bought 2.38 K USD
Kranich Charles E.
Director
+ 100
 23.8003 USD
3 years ago
Sep 09, 2021
Bought 2.38 K USD
Kranich Charles E.
Director
+ 100
 23.799 USD
3 years ago
Sep 09, 2021
Bought 2.38 K USD
Kranich Charles E.
Director
+ 100
 23.8025 USD
3 years ago
Sep 09, 2021
Bought 2.38 K USD
Kranich Charles E.
Director
+ 100
 23.7978 USD
3 years ago
Sep 09, 2021
Bought 2.38 K USD
Kranich Charles E.
Director
+ 100
 23.8014 USD
3 years ago
Sep 09, 2021
Bought 2.39 K USD
Kranich Charles E.
Director
+ 100
 23.8633 USD
3 years ago
Sep 09, 2021
Bought 7.15 K USD
Kranich Charles E.
Director
+ 300
 23.836 USD
3 years ago
Sep 09, 2021
Bought 9.54 K USD
Kranich Charles E.
Director
+ 400
 23.8407 USD
3 years ago
Sep 09, 2021
Bought 2.38 K USD
Kranich Charles E.
Director
+ 100
 23.8419 USD
3 years ago
Sep 09, 2021
Bought 2.38 K USD
Kranich Charles E.
Director
+ 100
 23.8036 USD
3 years ago
Sep 09, 2021
Bought 23.8 USD
Kranich Charles E.
Director
+ 1
 23.77 USD
3 years ago
Sep 09, 2021
Bought 3.55 K USD
Kranich Charles E.
Director
+ 149
 23.8585 USD
3 years ago
Sep 09, 2021
Bought 2.39 K USD
Kranich Charles E.
Director
+ 100
 23.8608 USD
3 years ago
Aug 17, 2021
Bought 47.5 K USD
Grafmyre Richard A
Chief Executive Officer
+ 2000
 23.75 USD
3 years ago
Aug 12, 2021
Bought 8.67 K USD
KNEPP BRIAN L
President
+ 370
 23.43 USD
3 years ago
Aug 12, 2021
Bought 9.16 K USD
KNEPP BRIAN L
President
+ 390
 23.5 USD
3 years ago
Aug 12, 2021
Bought 9.99 K USD
KNEPP BRIAN L
President
+ 425
 23.5 USD
3 years ago
Aug 03, 2021
Bought 7.77 K USD
KNEPP BRIAN L
President
+ 330
 23.55 USD
3 years ago
Aug 02, 2021
Bought 3.41 K USD
KNEPP BRIAN L
President
+ 145
 23.55 USD
3 years ago
Jul 30, 2021
Bought 11.8 K USD
Kranich Charles E.
Director
+ 500
 23.65 USD
3 years ago
Jul 26, 2021
Bought 11.8 K USD
Kranich Charles E.
Director
+ 500
 23.6274 USD
3 years ago
May 05, 2021
Bought 23.1 K USD
Grafmyre Richard A
Chief Executive Officer
+ 1000
 23.1 USD
3 years ago
May 05, 2021
Bought 23.3 K USD
Grafmyre Richard A
Chief Executive Officer
+ 1000
 23.3 USD
3 years ago
May 05, 2021
Bought 9.39 K USD
Grafmyre Richard A
Chief Executive Officer
+ 400
 23.475 USD
3 years ago
May 05, 2021
Bought 2.35 K USD
Grafmyre Richard A
Chief Executive Officer
+ 100
 23.54 USD
3 years ago
May 05, 2021
Bought 16.3 K USD
KNEPP BRIAN L
President
+ 700
 23.29 USD
3 years ago
May 05, 2021
Bought 7.72 K USD
KNEPP BRIAN L
President
+ 330
 23.38 USD
3 years ago
Apr 27, 2021
Bought 18.8 K USD
Kephart Cameron
Director
+ 800
 23.4981 USD
3 years ago
Apr 27, 2021
Bought 4.69 K USD
Kranich Charles E.
Director
+ 200
 23.43 USD
3 years ago
Apr 27, 2021
Bought 4.68 K USD
Kranich Charles E.
Director
+ 200
 23.4142 USD
3 years ago
Apr 27, 2021
Bought 23.5 K USD
KNEPP BRIAN L
President
+ 998
 23.55 USD
3 years ago
Apr 27, 2021
Bought 2.39 K USD
KNEPP BRIAN L
President
+ 102
 23.475 USD
3 years ago
Mar 02, 2021
Bought 34.3 K USD
Nackley John G Sr
Director
+ 1402
 24.5 USD
3 years ago
Feb 22, 2021
Bought 1.1 K USD
Kranich Charles E.
Director
+ 50
 22.09 USD
3 years ago
Feb 22, 2021
Bought 2.3 K USD
Kranich Charles E.
Director
+ 100
 23.04 USD
3 years ago
Feb 22, 2021
Bought 24.3 K USD
Kranich Charles E.
Director
+ 1050
 23.1262 USD
3 years ago
Feb 19, 2021
Bought 701 USD
Kranich Charles E.
Director
+ 31
 22.6 USD
3 years ago
Feb 19, 2021
Bought 677 USD
Kranich Charles E.
Director
+ 30
 22.58 USD
3 years ago
Feb 19, 2021
Bought 22.5 USD
Kranich Charles E.
Director
+ 1
 22.54 USD
3 years ago
Feb 19, 2021
Bought 11.8 K USD
Kranich Charles E.
Director
+ 524
 22.61 USD
3 years ago
Feb 19, 2021
Bought 316 USD
Kranich Charles E.
Director
+ 14
 22.59 USD
3 years ago
Feb 19, 2021
Bought 4.51 K USD
Kranich Charles E.
Director
+ 200
 22.555 USD
3 years ago
Feb 04, 2021
Bought 22.5 K USD
Kranich Charles E.
Director
+ 1000
 22.4519 USD
3 years ago
Feb 03, 2021
Bought 7.27 K USD
Kranich Charles E.
Director
+ 325
 22.357 USD
3 years ago
Feb 03, 2021
Bought 7.26 K USD
Kranich Charles E.
Director
+ 325
 22.35 USD
3 years ago
Feb 03, 2021
Bought 2.25 K USD
Kranich Charles E.
Director
+ 100
 22.458 USD
3 years ago
Feb 03, 2021
Bought 40 K USD
KNEPP BRIAN L
President
+ 1800
 22.2 USD
3 years ago
Jan 29, 2021
Bought 3.49 K USD
FUREY JAMES M II
Director
+ 162
 21.54 USD
3 years ago
Jan 29, 2021
Bought 7.24 K USD
Hawbaker D Michael
Director
+ 336
 21.54 USD
4 years ago
Nov 02, 2020
Bought 3.49 K USD
FUREY JAMES M II
Director
+ 169
 20.66 USD
4 years ago
Nov 02, 2020
Bought 7.23 K USD
Hawbaker D Michael
Director
+ 350
 20.66 USD
4 years ago
Oct 30, 2020
Bought 5.23 K USD
Kranich Charles E.
Director
+ 250
 20.93 USD
4 years ago
Oct 30, 2020
Bought 2.07 K USD
Kranich Charles E.
Director
+ 100
 20.7 USD
4 years ago
Oct 30, 2020
Bought 23.1 K USD
Kranich Charles E.
Director
+ 1090
 21.2 USD
4 years ago
Oct 30, 2020
Bought 11.8 K USD
Kranich Charles E.
Director
+ 560
 21.023 USD
4 years ago
Oct 20, 2020
Sell 166 K USD
Schwartz Jill Fortinsky
Director
- 7839
 21.13 USD
4 years ago
Aug 20, 2020
Bought 200 K USD
Edwards William
Director
+ 9756
 20.5 USD
4 years ago
Jun 11, 2020
Bought 1.95 K USD
Kranich Charles E.
Director
+ 90
 21.645 USD
4 years ago
Jun 11, 2020
Bought 11.2 K USD
Kranich Charles E.
Director
+ 494
 22.6084 USD
4 years ago
Jun 11, 2020
Bought 1.61 K USD
Kranich Charles E.
Director
+ 74
 21.7465 USD
4 years ago
Jun 11, 2020
Bought 1.99 K USD
Kranich Charles E.
Director
+ 92
 21.64 USD
4 years ago
Jun 01, 2020
Bought 2.25 K USD
Edwards William
Director
+ 100
 22.4998 USD
4 years ago
Jun 01, 2020
Bought 652 USD
Edwards William
Director
+ 29
 22.49 USD
4 years ago
Jun 01, 2020
Bought 674 USD
Edwards William
Director
+ 30
 22.48 USD
4 years ago
Jun 01, 2020
Bought 38 K USD
Edwards William
Director
+ 1691
 22.5 USD
4 years ago
Jun 01, 2020
Bought 2.25 K USD
Edwards William
Director
+ 100
 22.48 USD
4 years ago
Jun 01, 2020
Bought 1.12 K USD
Edwards William
Director
+ 50
 22.48 USD
4 years ago
Jun 01, 2020
Bought 2.2 K USD
Edwards William
Director
+ 100
 22.01 USD
4 years ago
Jun 01, 2020
Bought 25.1 K USD
Edwards William
Director
+ 1144
 21.97 USD
4 years ago
Jun 01, 2020
Bought 19 K USD
Edwards William
Director
+ 856
 22.2 USD
4 years ago
Jun 01, 2020
Bought 1.11 K USD
Edwards William
Director
+ 50
 22.15 USD
4 years ago
Jun 01, 2020
Bought 2.2 K USD
Edwards William
Director
+ 100
 21.96 USD
4 years ago
Jun 01, 2020
Bought 2 K USD
Edwards William
Director
+ 90
 22.23 USD
4 years ago
Jun 01, 2020
Bought 2.86 K USD
Edwards William
Director
+ 129
 22.1744 USD
4 years ago
Jun 01, 2020
Bought 2.2 K USD
Edwards William
Director
+ 100
 21.98 USD
4 years ago
Jun 01, 2020
Bought 222 USD
Edwards William
Director
+ 10
 22.19 USD
4 years ago
Jun 01, 2020
Bought 2.22 K USD
Edwards William
Director
+ 100
 22.2 USD
4 years ago
Jun 01, 2020
Bought 2.2 K USD
Edwards William
Director
+ 100
 21.98 USD
4 years ago
Jun 01, 2020
Bought 4.44 K USD
Edwards William
Director
+ 200
 22.21 USD
4 years ago
Jun 01, 2020
Bought 1 K USD
Edwards William
Director
+ 45
 22.22 USD
4 years ago
Jun 01, 2020
Bought 3.69 K USD
Edwards William
Director
+ 166
 22.2 USD
4 years ago
Jun 01, 2020
Bought 2.21 K USD
Edwards William
Director
+ 100
 22.06 USD
4 years ago
Jun 01, 2020
Bought 2.2 K USD
Edwards William
Director
+ 100
 21.96 USD
4 years ago
Jun 01, 2020
Bought 222 USD
Edwards William
Director
+ 10
 22.19 USD
4 years ago
Jun 01, 2020
Bought 1.11 K USD
Edwards William
Director
+ 50
 22.15 USD
4 years ago
Jun 01, 2020
Bought 2.2 K USD
Edwards William
Director
+ 100
 21.98 USD
4 years ago
Jun 01, 2020
Bought 1.11 K USD
Edwards William
Director
+ 50
 22.15 USD
4 years ago
Jun 01, 2020
Bought 2.2 K USD
Edwards William
Director
+ 100
 22.01 USD
4 years ago
Jun 01, 2020
Bought 2.2 K USD
Edwards William
Director
+ 100
 21.98 USD
4 years ago
Jun 01, 2020
Bought 4.44 K USD
Edwards William
Director
+ 200
 22.21 USD
4 years ago
Jun 01, 2020
Bought 2.19 K USD
Edwards William
Director
+ 100
 21.898 USD
4 years ago
Jun 01, 2020
Bought 42 K USD
Edwards William
Director
+ 1900
 22.126 USD
4 years ago
Jun 01, 2020
Bought 43.7 K USD
Edwards William
Director
+ 2000
 21.8559 USD
4 years ago
Jun 01, 2020
Bought 6.2 K USD
Kranich Charles E.
Director
+ 279
 22.234 USD
4 years ago
Jun 01, 2020
Bought 1.54 K USD
Kranich Charles E.
Director
+ 71
 21.635 USD
4 years ago
Jun 01, 2020
Bought 4.34 K USD
Kranich Charles E.
Director
+ 200
 21.72 USD
4 years ago
Jun 01, 2020
Bought 6.2 K USD
Karas Michelle M
Chief Operating Officer
+ 279
 22.234 USD
4 years ago
Jun 01, 2020
Bought 1.54 K USD
Karas Michelle M
Chief Operating Officer
+ 71
 21.635 USD
4 years ago
Jun 01, 2020
Bought 4.34 K USD
Karas Michelle M
Chief Operating Officer
+ 200
 21.72 USD
4 years ago
Mar 13, 2020
Bought 12.3 K USD
Hawbaker D Michael
Director
+ 500
 24.68 USD
4 years ago
Mar 13, 2020
Bought 12.4 K USD
Miller Robert Q.
Director
+ 500
 24.73 USD
4 years ago
Mar 11, 2020
Bought 12.5 K USD
Brewer Daniel K.
Director
+ 500
 25.01 USD
4 years ago
Mar 11, 2020
Bought 12.7 K USD
Brewer Daniel K.
Director
+ 500
 25.34 USD
4 years ago
Mar 12, 2020
Bought 15 K USD
Kranich Charles E.
Director
+ 600
 24.99 USD
4 years ago
Mar 10, 2020
Bought 25.6 K USD
Grafmyre Richard A
Chief Executive Officer
+ 1000
 25.6127 USD
4 years ago
Mar 10, 2020
Bought 10.1 K USD
KNEPP BRIAN L
President
+ 400
 25.28 USD
4 years ago
Mar 09, 2020
Bought 13.5 K USD
Hawbaker D Michael
Director
+ 500
 26.9573 USD
4 years ago
Mar 06, 2020
Bought 2.97 K USD
Young Karen S
President & CEO JSSB
+ 104
 28.55 USD
4 years ago
Mar 09, 2020
Bought 9.4 K USD
Kranich Charles E.
Director
+ 350
 26.858 USD
4 years ago
Mar 09, 2020
Bought 13.4 K USD
Kranich Charles E.
Director
+ 500
 26.85 USD
4 years ago
Mar 06, 2020
Bought 8.61 K USD
Kephart Cameron
Director
+ 300
 28.71 USD
4 years ago
Mar 06, 2020
Bought 14.3 K USD
Grafmyre Richard A
Chief Executive Officer
+ 500
 28.62 USD
4 years ago
Mar 06, 2020
Bought 40.2 K USD
Edwards William
Director
+ 1400
 28.68 USD
4 years ago
Feb 12, 2020
Sell 42.6 K USD
FUREY JAMES M II
Director
- 1320
 32.25 USD
4 years ago
Feb 03, 2020
Bought 308 K USD
Edwards William
Director
+ 9400
 32.75 USD
4 years ago
Nov 20, 2019
Bought 6.16 K USD
Kephart Cameron
Director
+ 200
 30.82 USD
5 years ago
Oct 31, 2019
Bought 13.7 K USD
Kranich Charles E.
Director
+ 450
 30.4796 USD
5 years ago
Sep 09, 2019
Bought 17 K USD
Kranich Charles E.
Director
+ 400
 42.4211 USD
5 years ago
Mar 06, 2019
Bought 4.55 K USD
Kephart Cameron
Director
+ 100
 45.5142 USD
5 years ago
Feb 15, 2019
Bought 12.3 K USD
Nackley John G Sr
Director
+ 300
 41.143 USD
5 years ago
Feb 14, 2019
Bought 9.76 K USD
Kluger Joseph E
Director
+ 247
 39.5 USD
5 years ago
Feb 06, 2019
Bought 53.5 K USD
NESTLERODE R EDWARD JR
Director
+ 1385
 38.6453 USD
5 years ago
Feb 06, 2019
Bought 11 K USD
NESTLERODE R EDWARD JR
Director
+ 285
 38.5 USD
5 years ago
Feb 06, 2019
Bought 42.7 K USD
NESTLERODE R EDWARD JR
Director
+ 1100
 38.7825 USD
5 years ago
Feb 01, 2019
Bought 36 K USD
Hawbaker D Michael
Director
+ 1000
 36.0252 USD
5 years ago
Feb 01, 2019
Bought 26.9 K USD
Grafmyre Richard A
President & CEO
+ 750
 35.88 USD
5 years ago
Feb 01, 2019
Bought 18 K USD
FUREY JAMES M II
Director
+ 500
 36 USD
5 years ago
Feb 01, 2019
Bought 63.3 K USD
Edwards William
Director
+ 1750
 36.17 USD
5 years ago
Feb 01, 2019
Bought 32.8 K USD
CASALE MICHAEL J JR
Director
+ 900
 36.5 USD
5 years ago
Feb 01, 2019
Bought 3.6 K USD
CASALE MICHAEL J JR
Director
+ 100
 36 USD
5 years ago
Feb 01, 2019
Bought 6.11 K USD
Carter Aron M
Senior Vice President
+ 169
 36.14 USD
6 years ago
Oct 30, 2018
Bought 20.1 K USD
Grafmyre Richard A
President & CEO
+ 500
 40.2776 USD
7. News
Penns Woods Bancorp, Inc. Reports Third Quarter 2024 Earnings WILLIAMSPORT, Pa., Oct. 24, 2024 (GLOBE NEWSWIRE) -- Penns Woods Bancorp, Inc. (NASDAQ: PWOD) Penns Woods Bancorp, Inc. achieved net income of $14.0 million for the nine months ended September 30, 2024, resulting in basic and diluted earnings per share of $1.86. globenewswire.com - 3 weeks ago
Penns Woods Bancorp, Inc. Announces Quarterly Dividend WILLIAMSPORT, Pa., Aug. 27, 2024 (GLOBE NEWSWIRE) -- Richard A. Grafmyre CFP®, Chief Executive Officer of Penns Woods Bancorp, Inc., (NASDAQ:PWOD) has announced that the Company's Board of Directors declared a third quarter 2024 cash dividend of $0.32 per share. globenewswire.com - 2 months ago
Penns Woods Bancorp: 5.9% Dividend Yield, But Earnings Outlook Is Lackluster Rate cuts will lift the residential loan balance, thereby boosting the bottom line. However, rate cuts will hurt the margin as assets are more rate-sensitive than liabilities. Earnings will likely be lower this year, then stabilize next year. PWOD is offering an attractive dividend yield of 5.9%. Although the capital is a bit low, the dividend appears to be safe. seekingalpha.com - 3 months ago
Penns Woods Bancorp, Inc. Amends CEO Grafmyre Contract WILLIAMSPORT, Pa., June 04, 2024 (GLOBE NEWSWIRE) -- Penns Woods Bancorp, Inc. (NASDAQ:PWOD) announced today that a mutual agreement has been reached with its Chief Executive Officer, Richard A. Grafmyre CFP®, to amend Mr. Grafmyre's employment agreement. The amendment was agreed upon after conducting a review of reported compensation data for the Company's peer group, industry compensation analysis, and discussions with shareholders. The amendment, effective June 3, 2024 removes the provision for Mr. Grafmyre to be compensated for unused paid time off (beginning with paid time off earned during the 2024 annual period), reduces Mr. Grafmyre's base salary to $850,000, and sets his maximum annual potential bonus amount at $325,000. These changes will reduce the maximum total annual compensation for Mr. Grafmyre by approximately $150,000 and will place a greater emphasis on at-risk compensation to better reflect the changes being seen within the Company's peer group. globenewswire.com - 5 months ago
Penns Woods Bancorp, Inc. Announces Quarterly Dividend WILLIAMSPORT, Pa., May 28, 2024 (GLOBE NEWSWIRE) -- Richard A. Grafmyre CFP®, Chief Executive Officer of Penns Woods Bancorp, Inc., (NASDAQ:PWOD) has announced that the Company's Board of Directors declared a second quarter 2024 cash dividend of $0.32 per share. globenewswire.com - 5 months ago
Penns Woods Bancorp, Inc. Announces Stock Repurchase Program WILLIAMSPORT, Pa., May 28, 2024 (GLOBE NEWSWIRE) -- Richard A. Grafmyre, CEO of Penns Woods Bancorp, Inc., (NASDAQ: PWOD) (“Company”) has announced that the Company's Board of Directors has authorized the repurchase of up to 5% of the outstanding shares of the Company. The repurchase plan is for a one-year period ending May 31, 2025 and allows for the repurchase of up to 376,000 shares. The repurchase plan replaces the existing previously authorized repurchase plan, which expires on May 31, 2024. globenewswire.com - 5 months ago
Penns Woods Bancorp: Short-Term Headwinds But Unreasonably Undervalued Penns Woods is a small bank holding company operating in Pennsylvania. Its loan portfolio is well-diversified and has a high credit quality. Therefore, it is interesting to see how large a discount the market has assigned to the tangible book value here. seekingalpha.com - 6 months ago
Penns Woods Bancorp, Inc. Reports First Quarter 2024 Earnings WILLIAMSPORT, Pa., April 25, 2024 (GLOBE NEWSWIRE) -- Penns Woods Bancorp, Inc. (NASDAQ: PWOD) Penns Woods Bancorp, Inc. achieved net income of $3.8 million for the three months ended March 31, 2024, resulting in basic and diluted earnings per share of $0.51. globenewswire.com - 6 months ago
Penns Woods Bancorp, Inc. Announces Quarterly Dividend WILLIAMSPORT, Pa., Feb. 27, 2024 (GLOBE NEWSWIRE) -- Richard A. Grafmyre CFP®, Chief Executive Officer of Penns Woods Bancorp, Inc., (NASDAQ:PWOD) has announced that the Company's Board of Directors declared a first quarter 2024 cash dividend of $0.32 per share. globenewswire.com - 8 months ago
Penns Woods Bancorp, Inc. Reports Fourth Quarter and Year Ended 2023 Earnings WILLIAMSPORT, Pa., Jan. 29, 2024 (GLOBE NEWSWIRE) -- Penns Woods Bancorp, Inc. (NASDAQ: PWOD) Penns Woods Bancorp, Inc. achieved net income of $16.6 million for the twelve months ended December 31, 2023, resulting in basic and diluted earnings per share of $2.34. globenewswire.com - 9 months ago
Penns Woods Bancorp, Inc. Announces Quarterly Dividend WILLIAMSPORT, Pa., Nov. 28, 2023 (GLOBE NEWSWIRE) -- Richard A. Grafmyre CFP®, Chief Executive Officer of Penns Woods Bancorp, Inc., (NASDAQ:PWOD) has announced that the Company's Board of Directors declared a fourth quarter 2023 cash dividend of $0.32 per share. globenewswire.com - 11 months ago
Penns Woods Bancorp, Inc. Reports Third Quarter 2023 Earnings WILLIAMSPORT, Pa., Oct. 25, 2023 (GLOBE NEWSWIRE) -- Penns Woods Bancorp, Inc. (NASDAQ: PWOD) Penns Woods Bancorp, Inc. achieved net income of $11.1 million for the nine months ended September 30, 2023, resulting in basic and diluted earnings per share of $1.56 and $1.53. globenewswire.com - 1 year ago
8. Profile Summary

Penns Woods Bancorp, Inc. PWOD

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 225 M
Dividend Yield 1.34%
Description 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. It accepts time, demand, and savings deposits, including super NOW accounts, statement savings accounts, money market accounts, and certificates of deposit, as well as checking and individual retirement accounts. The company also offers loan products comprising residential, commercial, and construction real estate loans; agricultural loans for the purchase or improvement of real estate; commercial loans for the acquisition and improvement of real estate, purchase of equipment, and working capital purposes; letters of credit; consumer loans, such as construction and residential mortgages, home equity loans and lines, automobile financing, personal loans and lines of credit, and overdraft and check lines; and revolving credit loans with overdraft protection. In addition, it provides securities brokerage and financial planning services, which include the sale of life insurance products, annuities, and estate planning services; property and casualty, and auto insurance products; safe deposit services; ATM services; and Internet and telephone banking services. Further, the company engages in real estate transactions and investment activities. It operates through a network of twenty-seven offices located in Clinton, Lycoming, Centre, Montour, Union, Blair, and Luzerne Counties, Pennsylvania. The company was founded in 1907 and is headquartered in Williamsport, Pennsylvania.
Contact 300 Market Street, Williamsport, PA, 17703-0967 https://www.pwod.com
IPO Date June 2, 1994
Employees 308
Officers Ms. Christine M. Smith Senior Vice President & Chief Human Resources Officer Ms. Michelle M. Karas CFMP, PCm Senior Vice President, Corporate Secretary & Chief Data Officer Ms. Lori A. Strimple Chief Marketing Officer Mr. Jack W. Jones Senior Vice President & Chief Banking Officer Mr. Gerald J. Seman President of Mortgage Services Mr. Brian L. Knepp CGMA, CPA President, Chief Financial Officer & Director Mr. Richard Allen Grafmyre CFP Chief Executive Officer & Director Mr. Aron M. Carter Senior Vice President & Chief Risk Officer Mr. Mark Beatty Chief Information Officer & Senior Vice President