PWOD — Stock Film
STOCK FILMSCENE 1/10PWOD · $30.00
Stock Expert AI presents
PWOD
Penns Woods Bancorp, Inc
~3 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
Penns Woods Bancorp, Inc. A quick introduction.

On the stock market since 1994, it operates in the world of money and finance. It has 311 employees. Now — the numbers.

on the stock market since 1994
311 employees
$228.4M market value
Revenue last year:
$0
The net profit left over:
$0
Out of every $100 in sales, $15 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 15%

This is an established company with proven profits.

WHERE DOES THE MONEY COME FROM?
34%Deposit Account
Deposit Account 34%Debit Card 23%Loan Brokerage Commissions 23%Brokerage Commissions 11%Insurance Commissions 9%
34% of all revenue comes from a single line: Deposit Account.

Revenue is spread across several business lines; no single line carries the company.

THE SALES TREND
Sales are growing overall, with a pause along the way.

Average growth of 12% a year over the last 4 years. Every year shown ended in profit.

$74.8M
2020
$70.1M
2021
$73.6M
2022
$100M
2023
$119.3M
2024
What executives did with their own stock over the last 12 months:
12 buy67 sell

Executive selling isn’t always bad news; people sell for personal reasons too. Still, the thin buying side is worth noting.

THE FIVE-YEAR JOURNEY
Trading below its recent peak.

The stock trades below its recent peak — about 12% off the top. A pullback, not a collapse.

1
THE BRIGHT SIDE · 1/2
Sales keep climbing

Over the last 3 years, sales grew about 19% a year on average.

2
THE BRIGHT SIDE · 2/2
Pays a steady dividend

It pays out $1.28 per share each year — regular cash for whoever holds the stock.

1
THE RISKS · 1/2
Executives lean toward selling

Over the last 12 months, executives reported 67 sells against just 12 buys. Not an alarm bell by itself, but a number worth watching.

2
THE RISKS · 2/2
The stock has lost its spark

The price action doesn’t yet back an upward turn.

FINALE · THE GRADE
D
0 / 100 · MoonshotScore

On our five-subject report card, PWOD sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”

The takeaway: PWOD is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.

What would you like to do next?
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This was a film — not investment advice.
Data: FMP & company filings
Jul 24, 2026 · stockexpertai.com · Stock Film