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PWOD
Upturn stock ratingUpturn stock rating

Penns Woods Bancorp Inc (PWOD)

Upturn stock ratingUpturn stock rating
$30.46
Last Close (24-hour delay)
Profit since last BUY4.67%
upturn advisory
Consider higher Upturn Star rating
BUY since 38 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
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Time period over
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Upturn Advisory Summary

06/27/2025: PWOD (2-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

ratingratingratingratingrating

Below Average Performance

These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.

Number of Analysts

rating

0 Analysts rated it

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Year Target Price $

Year Target Price $

Analyst’s Price TargetsFor last 52 week
$Target price
Low$18.04
Current$30.46
high$33.6

Analysis of Past Performance

Type Stock
Historic Profit 20.95%
Avg. Invested days 40
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/27/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 231.93M USD
Price to earnings Ratio 10.92
1Y Target Price -
Price to earnings Ratio 10.92
1Y Target Price -
Volume (30-day avg) -
Beta 0.49
52 Weeks Range 18.04 - 33.60
Updated Date 06/29/2025
52 Weeks Range 18.04 - 33.60
Updated Date 06/29/2025
Dividends yield (FY) 4.20%
Basic EPS (TTM) 2.79

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 28.66%
Operating Margin (TTM) 50.82%

Management Effectiveness

Return on Assets (TTM) 0.96%
Return on Equity (TTM) 10.5%

Valuation

Trailing PE 10.92
Forward PE -
Enterprise Value 494776960
Price to Sales(TTM) 3.12
Enterprise Value 494776960
Price to Sales(TTM) 3.12
Enterprise Value to Revenue 7.34
Enterprise Value to EBITDA -
Shares Outstanding 7614210
Shares Floating 7112285
Shares Outstanding 7614210
Shares Floating 7112285
Percent Insiders 4.84
Percent Institutions 29.75

Analyst Ratings

Rating -
Target Price -
Buy -
Strong Buy -
Buy -
Strong Buy -
Hold -
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Penns Woods Bancorp Inc

stock logo

Company Overview

overview logo History and Background

Penns Woods Bancorp, Inc. was founded in 1954. It operates as the bank holding company for Jersey Shore State Bank, providing financial services to individuals, businesses, and municipalities. Over the years, it has expanded its presence in central Pennsylvania through organic growth and strategic acquisitions.

business area logo Core Business Areas

  • Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses.
  • Retail Banking: Offers checking and savings accounts, mortgages, and other consumer financial products.
  • Wealth Management: Provides investment management, trust, and financial planning services.

leadership logo Leadership and Structure

The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes various departments such as lending, retail banking, and wealth management, each headed by experienced professionals.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Loans to businesses for various purposes. Market share data is difficult to ascertain exactly but regionally important. Competitors: Fulton Financial, M&T Bank, PNC.
  • Residential Mortgages: Mortgages for home purchases. Market share data is difficult to ascertain exactly but regionally important. Competitors: Fulton Financial, M&T Bank, PNC.
  • Deposit Accounts: Checking, savings, and money market accounts. Market share data is difficult to ascertain exactly but regionally important. Competitors: Fulton Financial, M&T Bank, PNC.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Regional banks are consolidating to improve efficiency and scale.

Positioning

Penns Woods Bancorp Inc is a regional bank focused on serving customers in central Pennsylvania. It aims to provide personalized service and build long-term relationships. Its competitive advantage lies in its local market knowledge and strong customer relationships.

Total Addressable Market (TAM)

The TAM for regional banking services in central Pennsylvania is estimated to be in the billions of dollars. Penns Woods Bancorp Inc is well positioned to capture a share of this market due to its established presence and customer base.

Upturn SWOT Analysis

Strengths

  • Strong local market presence
  • Experienced management team
  • Diversified revenue streams
  • Strong customer relationships

Weaknesses

  • Limited geographic reach
  • Smaller size compared to larger banks
  • Exposure to interest rate risk
  • Reliance on traditional banking services

Opportunities

  • Expansion into new markets
  • Adoption of new technologies
  • Increased demand for wealth management services
  • Acquisition of smaller banks

Threats

  • Increased competition from larger banks
  • Rising interest rates
  • Economic downturn
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • FULT
  • MTB
  • PNC

Competitive Landscape

Penns Woods Bancorp Inc competes with larger regional and national banks. Its advantages include local market knowledge and personalized service. Its disadvantages include limited scale and resources.

Growth Trajectory and Initiatives

Historical Growth: Penns Woods Bancorp Inc has experienced steady growth in assets and earnings over the past several years.

Future Projections: Analysts predict continued growth in earnings per share over the next few years.

Recent Initiatives: Penns Woods Bancorp Inc has been investing in technology and expanding its wealth management services.

Summary

Penns Woods Bancorp Inc is a well-managed regional bank with a strong presence in central Pennsylvania. The bank's local focus and strong customer relationships support its business model. Challenges include competition from larger banks and sensitivity to interest rate changes. Investment in technology and new services is critical for future success.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company reports, analyst estimates, and market research reports.

Disclaimers:

The information provided is for informational purposes only and should not be considered investment advice. Market share data is estimated and may not be precise.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About Penns Woods Bancorp Inc

Exchange NASDAQ
Headquaters Williamsport, PA, United States
IPO Launch date 1996-05-30
CEO & Director Mr. Richard Allen Grafmyre CFP
Sector Financial Services
Industry Banks - Regional
Full time employees 311
Full time employees 311

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 in the United States. The company accepts time, demand, and savings deposits, including super NOW accounts, statement savings accounts, money market accounts, and fixed rate certificates of deposit, as well as checking and individual retirement account (IRAs) accounts. It also provides 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, the company offers 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 delivery channel 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.