Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
Penns Woods Bancorp Inc (PWOD)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
07/25/2025: PWOD (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit 19.13% | Avg. Invested days 43 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/25/2025 |
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 |
Upturn AI SWOT
Penns Woods Bancorp Inc
Company Overview
History and Background
Penns Woods Bancorp, Inc. was founded in 1954 as First National Bank of Millville. It has grown organically and through acquisitions, evolving into a community-focused financial institution serving central Pennsylvania.
Core Business Areas
- Community Banking: Offers traditional banking services, including checking and savings accounts, loans (commercial, residential, and consumer), and other financial products to individuals and businesses.
- Wealth Management: Provides trust and investment management services to individuals, families, and institutions.
- Insurance Services: Offers various insurance products through its insurance division.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure consists of various departments responsible for banking operations, lending, finance, and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for working capital, equipment purchases, and real estate. Market share is regional and varies depending on the specific market. Competitors include larger regional and national banks such as Fulton Financial Corporation (FULT) and PNC Financial Services Group (PNC). Data regarding specific revenue breakdown for commercial loans versus other products is not publicly available at this level of detail.
- Residential Mortgages: Offers mortgage products to individuals for home purchases and refinancing. Similar to commercial loans, market share is regional. Competitors are other banks and mortgage companies operating in Pennsylvania. Precise market share and revenue data is not broken out. Competitors are mostly local and regional players.
- Wealth Management Services: Provides trust and investment management services. Competitors include local and regional wealth management firms, as well as larger national players such as Raymond James Financial (RJF).
Market Dynamics
Industry Overview
The banking industry is currently facing a changing interest rate environment, increased regulatory scrutiny, and competition from fintech companies. Community banks are focused on providing personalized service and building relationships with customers.
Positioning
Penns Woods Bancorp Inc. is positioned as a community-focused bank that emphasizes local relationships and personalized service. Its competitive advantages include its strong local presence and deep understanding of the communities it serves.
Total Addressable Market (TAM)
The TAM for community banking in central Pennsylvania is estimated to be in the billions of dollars. Penns Woods Bancorp Inc. is positioned to capture a portion of this market through its local presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand recognition
- Experienced management team
- High level of customer service
- Diversified revenue streams
Weaknesses
- Limited geographic reach compared to larger banks
- Reliance on traditional banking services
- Exposure to interest rate risk
- Cybersecurity threats
Opportunities
- Expansion into new markets within Pennsylvania
- Development of new digital banking services
- Acquisitions of smaller community banks
- Increase wealth management client base
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns impacting loan demand
- Rising interest rates
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- FULT
- PNC
- CUBI
Competitive Landscape
Penns Woods Bancorp Inc. competes with larger regional and national banks, as well as smaller community banks. Its advantages include its strong local presence and personalized service. Disadvantages include its limited geographic reach and reliance on traditional banking services.
Growth Trajectory and Initiatives
Historical Growth: Placeholder until actual data is available. Penns Wood Bancorp Inc. has typically grown steadily through organic growth and strategic acquisitions.
Future Projections: Placeholder until actual data is available. Analysts project continued growth through organic expansion and potential acquisitions.
Recent Initiatives: Placeholder until actual data is available. Recent initiatives have focused on improving digital banking services and expanding wealth management offerings.
Summary
Penns Woods Bancorp Inc. is a stable community bank with a strong local presence. Its strengths include personalized service and diversified revenue streams. It needs to address weaknesses such as its limited geographic reach and increasing competition. Opportunities include expanding into new markets and developing new digital banking services.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Outlets
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated based on available information.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 | Website https://www.pwod.com |
Full time employees 311 | Website https://www.pwod.com | ||
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.