PWOD — Stock Film
STOCK FILMSCENE 1/11PWOD · $30.00
Stock Expert AI presents
PWOD
Penns Woods Bancorp, Inc
~4 min film100% real numbersplain English
WHAT DOES THIS COMPANY DO?
Penns Woods Bancorp, Inc. What it actually does.

Provides commercial and retail banking services. Accepts time, demand, and savings deposits. Now — the numbers.

on the stock market since 1994
311 employees
$228.4M market value
WHERE DOES THE MONEY COME FROM?
34%Deposit Account
Deposit AccountDebit 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.

Revenue last year:
$119.3M
The net profit left over:
$17.7M
Out of every $100 of revenue, $15 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 15%

This is an established company with proven profits.

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
2021
2022
2023
$119.3M
2024
THE PRICE TAG
MARKET VALUE / ANNUAL PROFIT
12.9×

The market pays 12.9× for every dollar of annual profit — cheap, which is either an opportunity or a warning.

No analyst target is on record for this company.

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 4 years, sales grew about 12% 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
grade pending

We don’t have a report card for this stock yet — the data isn’t mature enough to grade. No grade is information too: it means the evidence is thin.

One-line summary: few numbers, an untested story. Keep watching.

What would you like to do next?
Open the stock page →

Not covered, because the filings we hold do not carry it: earnings execution.

This was a film — not investment advice.
Data: FMP & company filings
Sep 11, 2026 · stockexpertai.com · Stock Film