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

Company Overview

Penns Woods Bancorp, Inc. operates as the bank holding company for Jersey Shore State 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 account (IRAs) 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 offices located in Clinton, Lycoming, Centre, Montour, Union, Blair, and Luzerne Counties, Pennsylvania. Penns Woods Bancorp, Inc. was founded in 1934 and is headquartered in Williamsport, Pennsylvania.

Key Stats

• Today's Range: $30.42 to $31.00
• 50-Day Range: $28.51 to $32.29
• 52-Week Range: $20.18 to $34.56
• Volume: 27,545 shs
• Average Volume: 73,313 shs
• Market Capitalization: $232.11 million
• P/E Ratio: 10.89
• Dividend Yield: 4.20%
• Price Target: N/A
• Consensus Rating: N/A

Penns Woods Bancorp Stock Analysis - MarketRank™

Penns Woods Bancorp scored higher than 23% of companies evaluated by MarketBeat, and ranked 771st out of 921 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 10.89, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.77.

Price to Earnings Ratio vs. Sector

The P/E ratio of Penns Woods Bancorp is 10.89, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.06.

Price to Book Value per Share Ratio

Penns Woods Bancorp has a P/B Ratio of 1.12. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

2.53% 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 4.6.

Change versus previous month

Short interest in Penns Woods Bancorp has recently increased by 451.94%, 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 4.06%, 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

2.53% 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 4.6.

Change versus previous month

Short interest in Penns Woods Bancorp has recently increased by 451.94%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 0.0 / 5
• News Sentiment: N/A

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 0.4% and is now trading at $30.50.

How were Penns Woods Bancorp's earnings last quarter?

Penns Woods Bancorp, Inc. (NASDAQ:PWOD) announced its earnings results 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 before market open on Tuesday, October 1st 2019.The 3-2 split was announced on Tuesday, September 3rd 2019. The newly issued shares were distributed 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.

Who are Penns Woods Bancorp's major shareholders?

Top institutional investors of Penns Woods Bancorp include Zullo Investment Group Inc. (0.09%) and Abound Wealth Management (0.02%). Insiders that own company stock include Charles E Kranich, Brian L Knepp, Cameron Kephart, Michelle M Karas and Aron M Carter.
View institutional ownership trends.

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: 7/24/2025
• 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: 10.89
• 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: $71.00 million
• Price / Sales: 3.27
• Cash Flow: $2.83 per share
• Price / Cash Flow: 10.77
• Book Value: $27.20 per share
• Price / Book: 1.12

Miscellaneous

• Outstanding Shares: 7,614,000
• Free Float: 7,311,000
• Market Cap: $232.23 million
• Optionable: Not Optionable
• Beta: 0.46