Penns Woods Bancorp (PWOD) Stock Price, News & Analysis

Company Overview

Penns Woods Bancorp, Inc. is a West Chester, Pennsylvania–based bank holding company serving southeastern Pennsylvania through its wholly owned subsidiary community bank. The company delivers a suite of deposit, lending and cash management products to individuals, families and small-to-mid-sized businesses across Chester and Delaware counties. With several locally managed branches, Penns Woods Bancorp emphasizes relationship-driven service and community engagement.

For retail customers, Penns Woods Bancorp offers checking and savings accounts, money market funds, certificates of deposit and individual retirement accounts. The bank’s lending portfolio encompasses residential mortgage loans, home equity lines of credit and consumer installment loans, designed to meet the financing needs of homeowners and borrowers at various life stages. Commercial clients have access to business checking, commercial real estate financing, equipment loans, lines of credit and treasury management services, supported by online and mobile banking platforms for ease of account management.

The organization traces its roots to locally chartered banks founded in the early 20th century, with consolidation under the Penns Woods Bancorp holding company in the mid-2010s. Since its establishment, the company has executed a steady growth strategy through both de novo branch openings and targeted acquisitions, maintaining strong capital and credit standards. This measured approach has reinforced the bank’s ability to serve the evolving needs of its regional customer base while preserving its community banking ethos.

Penns Woods Bancorp’s executive leadership team comprises seasoned professionals with extensive backgrounds in retail and commercial banking, risk management and operations oversight. Guided by a board of directors with deep local ties, the company remains focused on delivering tailored financial solutions, expanding its digital capabilities and fostering long-term client relationships that support the economic vitality of the communities it serves.

Key Stats

• Today's Range: $31.41 to $32.29
• 50-Day Range: $28.10 to $32.21
• 52-Week Range: $18.91 to $34.56
• Volume: 14,049 shs
• Average Volume: 23,333 shs
• Market Capitalization: $245.08 million
• P/E Ratio: 11.50
• Dividend Yield: 3.97%
• Price Target: N/A
• Consensus Rating: N/A

Penns Woods Bancorp Stock Analysis - MarketRank™

Penns Woods Bancorp scored higher than 43% of companies evaluated by MarketBeat, and ranked 663rd out of 907 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Penns Woods Bancorp.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Penns Woods Bancorp is 11.50, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.66.

Price to Earnings Ratio vs. Sector

The P/E ratio of Penns Woods Bancorp is 11.50, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.05.

Price to Book Value per Share Ratio

Penns Woods Bancorp has a P/B Ratio of 1.18. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.46% of the float of Penns Woods Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Penns Woods Bancorp has a short interest ratio ("days to cover") of 1.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Penns Woods Bancorp has recently increased by 15.52%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Penns Woods Bancorp is a leading dividend payer. It pays a dividend yield of 3.98%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Penns Woods Bancorp does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Penns Woods Bancorp is 45.71%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: 3.1 / 5
• Environmental Score: -0.60

Percentage of Shares Shorted

0.46% of the float of Penns Woods Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Penns Woods Bancorp has a short interest ratio ("days to cover") of 1.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Penns Woods Bancorp has recently increased by 15.52%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: N/A

News Sentiment

Penns Woods Bancorp has a news sentiment score of 1.11. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.73 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Penns Woods Bancorp this week, compared to 1 article on an average week.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Penns Woods Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 3.98% of the stock of Penns Woods Bancorp is held by insiders.

Percentage Held by Institutions

Only 27.94% of the stock of Penns Woods Bancorp is held by institutions.

PWOD Stock Analysis - Frequently Asked Questions

How have PWOD shares performed this year?

Penns Woods Bancorp's stock was trading at $30.39 on January 1st, 2025. Since then, PWOD shares have increased by 6.0% and is now trading at $32.2050.

How were Penns Woods Bancorp's earnings last quarter?

Penns Woods Bancorp, Inc. (NASDAQ:PWOD) posted its quarterly earnings data on Friday, April, 25th. The financial services provider reported $1.04 earnings per share (EPS) for the quarter. The financial services provider earned $18.71 million during the quarter. Penns Woods Bancorp had a trailing twelve-month return on equity of 11.05% and a net margin of 17.52%.

When did Penns Woods Bancorp's stock split?

Penns Woods Bancorp shares split on Tuesday, October 1st 2019.The 3-2 split was announced on Tuesday, September 3rd 2019. The newly minted shares were payable to shareholders after the closing bell on Monday, September 30th 2019. An investor that had 100 shares of stock prior to the split would have 150 shares after the split.

How do I buy shares of Penns Woods Bancorp?

Shares of PWOD stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Penns Woods Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Penns Woods Bancorp investors own include Main Street Capital (MAIN), Marathon Petroleum (MPC), AT&T (T), United Parcel Service (UPS), CenterPoint Energy (CNP), Dominion Energy (D) and Eastman Chemical (EMN).

Company Calendar

• Last Earnings: 4/25/2025
• Record date for 6/24 Dividend: 6/10/2025
• Ex-Dividend for 6/24 Dividend: 6/10/2025
• Dividend Payable: 6/24/2025
• Today: 7/06/2025
• Next Earnings (Estimated): 7/24/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:PWOD
• CIK: 716605
• Web: www.pwod.com
• Phone: (570) 322-1111
• Fax: N/A
• Employees: 250
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $2.80
• Trailing P/E Ratio: 11.50
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $17.74 million
• Net Margins: 17.52%
• Pretax Margin: 21.82%
• Return on Equity: 11.05%
• Return on Assets: 1.01%

Debt

• Debt-to-Equity Ratio: 1.01
• Current Ratio: 1.08
• Quick Ratio: 1.08

Sales & Book Value

• Annual Sales: $119.32 million
• Price / Sales: 2.05
• Cash Flow: $2.96 per share
• Price / Cash Flow: 10.88
• Book Value: $27.20 per share
• Price / Book: 1.18

Miscellaneous

• Outstanding Shares: 7,610,000
• Free Float: 7,311,000
• Market Cap: $245.08 million
• Optionable: Not Optionable
• Beta: 0.46