Penns Woods Bancorp, Inc. (PWOD) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Penns Woods Bancorp, Inc. (PWOD) trades at $30.00 with AI Score 49/100 (Grade C). Penns Woods Bancorp, Inc. Market cap: $228M, Sector: Financial services.
Price as of Jul 23, 2026 · Last analyzed: May 10, 2026Analyst Coverage for PWOD: PWOD does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates PWOD against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
PWOD: the 3 scored disciplines are evenly split. Dominant signal: Ken Griffin bearish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Penns Woods Bancorp, Inc. (PWOD) Financial Services Profile
Penns Woods Bancorp, Inc., established in 1907, provides community banking services in Pennsylvania, focusing on commercial and retail clients. With a market capitalization of $228M and a P/E ratio of 14.3, the company distinguishes itself through its regional focus and diverse financial service offerings, including brokerage and insurance products.
What Is the Investment Thesis for PWOD?
Penns Woods Bancorp presents a stable investment opportunity within the regional banking sector, supported by its long-standing presence and diversified service offerings. With a market capitalization of $228M and a profit margin of 17.9%, the company demonstrates consistent profitability. Key value drivers include its ability to maintain a strong deposit base and manage credit risk effectively. Growth catalysts include expanding its digital banking services and increasing its market share within its existing geographic footprint. Potential risks include interest rate fluctuations and increased competition from larger regional and national banks. The company's dividend yield of 1.07% provides a modest income stream for investors.
Based on FMP financials and quantitative analysis
PWOD Key Highlights
- Market capitalization of $228M, reflecting its size and market value within the regional banking sector.
- P/E ratio of 14.3, indicating investor valuation relative to earnings.
- Profit margin of 17.9%, showcasing efficient operations and profitability.
- Gross margin of 63.9%, highlighting the profitability of its core banking services.
- Beta of 0.49, suggesting lower volatility compared to the overall market.
Who Are PWOD's Competitors?
PWOD is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FRAF Franklin Financial Services Corporation | $62.81 | +1.82% | $282M | 92 |
| CZFS Citizens Financial Services, Inc. | $71.50 | -1.62% | $344M | 92 |
| NECB Northeast Community Bancorp, Inc. | $26.45 | +0.15% | $366M | 93 |
| PCB PCB Bancorp | $28.86 | -0.81% | $411M | 93 |
| PDLB Ponce Financial Group, Inc. | $19.91 | -0.50% | $482M | 92 |
| BWFG Bankwell Financial Group, Inc. | $60.57 | +1.80% | $483M | 93 |
| OBT Orange County Bancorp, Inc. | $37.24 | +0.13% | $499M | 93 |
| HBCP Home Bancorp, Inc. | $69.26 | -0.03% | $543M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PWOD's Key Strengths?
- Long-standing presence in the Pennsylvania market.
- Diversified product and service offerings.
- Strong local brand recognition.
- Conservative lending practices.
What Are PWOD's Weaknesses?
- Limited geographic reach compared to larger banks.
- Reliance on traditional banking services.
- Smaller scale may limit investment in technology.
- Vulnerable to economic downturns in its operating region.
What Could Drive PWOD Stock Higher?
- Expansion of digital banking services to attract and retain customers.
- Potential acquisitions of smaller community banks to expand market share.
- Growth in commercial lending to small and medium-sized businesses.
- Increase in wealth management services to high-net-worth individuals.
- Strategic branch expansion in underserved areas.
What Are the Key Risks for PWOD?
- Financial-distress signal — its Altman Z-Score of -0.67 sits in the distress zone (elevated bankruptcy risk).
- Interest rate fluctuations impacting net interest margin.
- Increased competition from larger regional and national banks.
- Economic downturns affecting loan demand and credit quality.
- Regulatory changes impacting the banking industry.
- Cybersecurity threats and data breaches.
What Are the Growth Opportunities for PWOD?
- Expansion of Digital Banking Services: Penns Woods Bancorp can capitalize on the increasing demand for digital banking by enhancing its online and mobile platforms. This includes offering more sophisticated online account management tools, mobile payment options, and personalized financial advice. The market for digital banking is projected to grow significantly, with estimates suggesting a multi-billion dollar market by 2028. By investing in technology and improving the user experience, Penns Woods Bancorp can attract and retain customers, particularly younger demographics.
- Strategic Branch Expansion: While digital banking is growing, physical presence remains important for certain customer segments. Penns Woods Bancorp can strategically expand its branch network in underserved areas within its existing geographic footprint. This allows the company to capture new customers and increase its deposit base. Each new branch location represents an opportunity to generate additional revenue through loan origination, deposit growth, and cross-selling of financial services. The timeline for opening new branches is typically 12-18 months per location.
- Increased Commercial Lending: Penns Woods Bancorp can focus on growing its commercial loan portfolio by targeting small and medium-sized businesses (SMBs) in its operating region. This includes offering tailored loan products for equipment financing, working capital, and real estate acquisition. The SMB lending market is substantial, with billions of dollars in annual loan volume. By providing competitive rates and personalized service, Penns Woods Bancorp can increase its market share and generate higher interest income.
- Wealth Management Services Growth: Expanding wealth management services presents a significant growth opportunity for Penns Woods Bancorp. This includes offering financial planning, investment management, and trust services to high-net-worth individuals and families. The wealth management market is growing, driven by an aging population and increasing wealth accumulation. By hiring experienced financial advisors and developing a comprehensive suite of wealth management products, Penns Woods Bancorp can attract new clients and generate fee income.
- Acquisition Opportunities: Penns Woods Bancorp can explore strategic acquisitions of smaller community banks or financial service providers within its region. Acquisitions can provide access to new markets, customers, and product lines. This can accelerate growth and increase market share. The timeline for completing an acquisition can vary, but typically takes 6-12 months from initial discussions to closing. Careful due diligence and integration planning are essential for successful acquisitions.
What Opportunities Does PWOD Have?
- Expansion of digital banking services.
- Strategic branch expansion in underserved areas.
- Growth in commercial lending to SMBs.
- Expansion of wealth management services.
What Threats Does PWOD Face?
- Increased competition from larger regional and national banks.
- Technological disruption from fintech companies.
- Regulatory changes impacting the banking industry.
- Economic downturns affecting loan demand and credit quality.
What Are PWOD's Competitive Advantages?
- Strong local presence and brand recognition in its operating region.
- Established customer relationships built over a century of operation.
- Diversified product and service offerings, including banking, brokerage, and insurance.
- Conservative lending practices and risk management.
What Does PWOD Do?
Penns Woods Bancorp, Inc., founded in 1907, serves as the holding company for Jersey Shore State Bank and Luzerne Bank. The company provides a comprehensive suite of commercial and retail banking services to individuals, partnerships, non-profit organizations, and corporations. Its deposit products include time, demand, and savings accounts, such as super NOW accounts, statement savings accounts, money market accounts, and certificates of deposit, as well as checking and individual retirement accounts. Loan products range from residential, commercial, and construction real estate loans to agricultural loans, commercial loans for equipment acquisition and working capital, letters of credit, and various consumer loans like mortgages, home equity lines, auto financing, and personal lines of credit. Beyond traditional banking, Penns Woods Bancorp offers securities brokerage and financial planning services, including life insurance, annuities, estate planning, and property and casualty insurance. The company also provides safe deposit services, ATM access, and online and telephone banking. It operates through a network of 27 offices across Clinton, Lycoming, Centre, Montour, Union, Blair, and Luzerne Counties in Pennsylvania. With a history spanning over a century, Penns Woods Bancorp has established itself as a community-focused financial institution deeply rooted in the local economy.
What Products and Services Does PWOD Offer?
- Provides commercial and retail banking services.
- Accepts time, demand, and savings deposits.
- Offers residential, commercial, and construction real estate loans.
- Provides agricultural loans.
- Offers consumer loans, including mortgages and home equity lines.
- Provides securities brokerage and financial planning services.
- Offers property and casualty, and auto insurance products.
- Provides ATM services, and Internet and telephone banking services.
How Does PWOD Make Money?
- Generates revenue from interest income on loans.
- Earns fees from deposit accounts and other banking services.
- Receives commissions from securities brokerage and insurance products.
- Profits from real estate transactions and investment activities.
What Industry Does PWOD Operate In?
Penns Woods Bancorp operates within the competitive regional banking industry. The industry is characterized by increasing regulatory scrutiny, technological disruption, and consolidation. Regional banks like Penns Woods Bancorp face competition from larger national banks, credit unions, and fintech companies. The market is seeing a trend towards digital banking and personalized customer service. Penns Woods Bancorp's focus on community banking and diverse financial services positions it to maintain its market share within its operating region.
Who Are PWOD's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans and banking solutions.
- Non-profit organizations needing financial services.
- Corporations seeking banking and investment services.
PWOD Valuation & Market Position
With a $228M market cap, Penns Woods Bancorp, Inc. sits in the micro-cap segment of the market. Relative to its peer group, PWOD's quantitative score of 49/100 is below the peer average of 92/100.
ROE 5%Key Financial Metrics
Return on equity for Penns Woods Bancorp, Inc. stands at 5.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.5%, showing how much profit it generates from its asset base. PWOD trades at a trailing price-to-earnings ratio of 14.31, below the Financial Services sector average of ~18x. Its free cash flow yield is 4.8%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.06 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 4.9%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 6/9Financial Health
Penns Woods Bancorp, Inc.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.67 places it in the distress zone, a signal of elevated financial risk.
PWOD Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that leadership believes in strong performance ahead.
- Community sentiment has shifted positively as discussions around local banking stability have increased, reflecting trust in regional institutions.
- The bank's focus on community development and lending initiatives resonates well with socially-conscious investors, enhancing its reputation.
- Market perception is bolstered by the ongoing trend of regional banks gaining attention for their resilience amid larger banking sector challenges.
Bear Case
- Concerns over rising interest rates continue to loom, potentially impacting net interest margins and profitability for regional banks like PWOD.
- Social sentiment has shown mixed feelings, with some investors voicing apprehensions about the broader economic environment and its effects on local banks.
- Recent regulatory scrutiny in the banking sector could create uncertainty, leading to hesitancy among potential investors.
- Bearish community views highlight fears of economic downturns affecting loan performance, which could strain the bank's financial health.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
PWOD Latest News
No recent news available for PWOD.
PWOD Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for PWOD.
Price Targets
Wall Street price target analysis for PWOD.
PWOD MoonshotScore
What does this score mean?
The MoonshotScore rates PWOD 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Richard Allen Grafmyre CFP
CEO
Richard Allen Grafmyre is the CEO of Penns Woods Bancorp, Inc. He is a Certified Financial Planner (CFP) and has extensive experience in the financial services industry. His background includes various leadership roles in banking and financial planning. Grafmyre's expertise spans across commercial lending, retail banking, and wealth management. He is responsible for overseeing the strategic direction and operational performance of the company. His CFP designation highlights his commitment to providing sound financial advice and planning services to clients.
Track Record: Under Richard Allen Grafmyre's leadership, Penns Woods Bancorp has maintained a stable financial performance and continued to serve its community banking needs. He has focused on enhancing customer relationships and expanding the company's service offerings. Key milestones include navigating regulatory changes and adapting to the evolving digital banking landscape. Grafmyre has emphasized prudent risk management and maintaining a strong capital base.
PWOD Financial Services Stock FAQ
What does the AI Score mean for PWOD?
PWOD holds an AI Score of 49/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Penns Woods Bancorp, Inc. is a bank holding company operating through Jersey Shore State Bank and Luzerne Bank, providing commercial and retail banking services. The company operates primarily …
What does Penns Woods Bancorp, Inc. do?
Penns Woods Bancorp, Inc. operates as the bank holding company for Jersey Shore State Bank and Luzerne Bank, providing a comprehensive range of commercial and retail banking services. These services encompass accepting various types of deposits, including time, demand, and savings accounts, and offering a diverse array of loan products such as residential, commercial, and agricultural loans.
What do analysts say about PWOD stock?
Analyst coverage of Penns Woods Bancorp, Inc. (PWOD) is limited, but the company is generally viewed as a stable regional bank with a focus on community banking. Key valuation metrics include a P/E ratio of 14.3 and a dividend yield of 1.07%.
What are the main risks for PWOD?
Penns Woods Bancorp faces several risks inherent to the banking industry, including interest rate risk, credit risk, and regulatory risk. Interest rate fluctuations can impact the company's net interest margin, while economic downturns can affect loan demand and credit quality. Increased competition from larger regional and national banks, as well as technological disruption from fintech companies, also pose challenges.
What are the key factors to evaluate for PWOD?
Penns Woods Bancorp, Inc. (PWOD) holds an AI score of 49/100 (low). P/E: 14.3x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does PWOD data refresh on this page?
PWOD's price was last updated on Jul 23, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven PWOD's recent stock price performance?
Penns Woods Bancorp, Inc. (PWOD) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing presence in the Pennsylvania market. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider PWOD overvalued or undervalued right now?
Penns Woods Bancorp, Inc. (PWOD) trades at 14.3x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research PWOD before investing?
Before investing in Penns Woods Bancorp, Inc. (PWOD), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- Financial metrics are as of the latest available reporting period.