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1. Company Snapshot

1.a. Company 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.

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1.b. Last Insights on PWOD

The recent 3-month performance of Penns Woods Bancorp, Inc. was negatively impacted by the impending merger with Northwest Bancshares, Inc. The regulatory and shareholder approvals received on April 23, 2025, have set the stage for the completion of the merger in late July 2025, which may lead to operational disruptions and integration challenges. Additionally, the company's recent earnings release on April 25, 2025, revealed a net income of $7.4 million for the three months ended March 31, 2025, but the merger uncertainty may have overshadowed the positive earnings results.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Northwest Bancshares, Inc. Completes Acquisition of Penns Woods Bancorp, Inc.

Jul -28

Source: prnewswire.com

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Penns Woods Bancorp, Inc. Announces Quarterly Dividend

May -27

Source: globenewswire.com

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Penns Woods Bancorp, Inc. Reports First Quarter 2025 Earnings

Apr -25

Source: globenewswire.com

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Northwest Bancshares, Inc. Merger with Penns Woods Bancorp, Inc. Receives Regulatory and Shareholder Approval

Apr -23

Source: prnewswire.com

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Penns Woods Bancorp, Inc. Announces Quarterly Dividend

Feb -25

Source: globenewswire.com

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Penns Woods Bancorp, Inc. Reports Fourth Quarter 2024 Earnings

Jan -29

Source: globenewswire.com

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PENNS WOODS INVESTOR ALERT by the Former Attorney General of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Penns Woods Bancorp, Inc. - PWOD

Jan -06

Source: businesswire.com

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$HAREHOLDER ALERT: The M&A Class Action Firm Investigates the Merger of Penns Woods Bancorp, Inc. - PWOD

Dec -18

Source: prnewswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.50%)

6. Segments

Community Banking

Expected Growth: 4.5%

Growing demand for personalized banking services, increasing adoption of online banking, and a strong presence in local communities drive growth for Community Banking from Penns Woods Bancorp, Inc.

7. Detailed Products

Commercial Loans

Penns Woods Bancorp, Inc. offers a range of commercial loans to businesses, including term loans, lines of credit, and construction loans, to support their growth and expansion plans.

Mortgage Loans

The company provides mortgage loans to individuals and families to purchase or refinance their homes, offering competitive rates and flexible repayment terms.

Consumer Loans

Penns Woods Bancorp, Inc. offers personal loans, auto loans, and home equity loans to individuals for various personal and household expenses.

Deposit Accounts

The company provides a range of deposit accounts, including checking, savings, and certificates of deposit (CDs), to help individuals and businesses manage their finances.

Wealth Management Services

Penns Woods Bancorp, Inc. offers wealth management services, including investment advice, retirement planning, and estate planning, to help individuals and families achieve their long-term financial goals.

Cash Management Services

The company provides cash management services, including online banking, mobile banking, and electronic payment systems, to help businesses manage their cash flow and financial transactions.

8. Penns Woods Bancorp, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

Penns Woods Bancorp, Inc. operates in a highly competitive industry, with many substitutes available to customers. However, the company's strong brand recognition and customer loyalty help to mitigate this threat.

Bargaining Power Of Customers

Customers have some bargaining power due to the availability of substitutes, but Penns Woods Bancorp, Inc.'s strong relationships with its customers and its ability to offer customized solutions help to reduce this power.

Bargaining Power Of Suppliers

Suppliers have limited bargaining power due to the company's large scale of operations and its ability to negotiate favorable terms.

Threat Of New Entrants

The banking industry is highly regulated, and new entrants face significant barriers to entry. However, the threat of new entrants is still high due to the potential for fintech companies to disrupt the industry.

Intensity Of Rivalry

The banking industry is highly competitive, with many established players competing for market share. Penns Woods Bancorp, Inc. faces intense rivalry from other banks and financial institutions.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 67.15%
Debt Cost 4.42%
Equity Weight 32.85%
Equity Cost 6.36%
WACC 5.06%
Leverage 204.44%

11. Quality Control: Penns Woods Bancorp, Inc. passed 2 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
Penns Woods Bancorp

A-Score: 7.0/10

Value: 5.5

Growth: 4.8

Quality: 5.0

Yield: 9.0

Momentum: 8.5

Volatility: 9.3

1-Year Total Return ->

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Stock-Card
Landmark Bancorp

A-Score: 6.8/10

Value: 6.5

Growth: 4.9

Quality: 5.4

Yield: 7.0

Momentum: 9.5

Volatility: 7.3

1-Year Total Return ->

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Stock-Card
Home Federal Bancorp of Louisiana

A-Score: 6.7/10

Value: 7.4

Growth: 6.1

Quality: 7.4

Yield: 6.0

Momentum: 7.0

Volatility: 6.3

1-Year Total Return ->

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Stock-Card
LCNB

A-Score: 6.7/10

Value: 7.1

Growth: 6.1

Quality: 5.6

Yield: 9.0

Momentum: 5.0

Volatility: 7.3

1-Year Total Return ->

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Stock-Card
Northfield Bancorp

A-Score: 6.2/10

Value: 7.4

Growth: 4.7

Quality: 5.5

Yield: 8.0

Momentum: 5.0

Volatility: 6.7

1-Year Total Return ->

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Stock-Card
Catalyst Bancorp

A-Score: 5.4/10

Value: 4.4

Growth: 3.8

Quality: 5.6

Yield: 0.0

Momentum: 8.5

Volatility: 10.0

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

30.0$

Current Price

30$

Potential

-0.00%

Expected Cash-Flows