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Penns Woods Bancorp, Inc.: Business Overview, Financials & Competitive Analysis

Penns Woods Bancorp Inc provides comprehensive banking services through its subsidiaries Jersey Shore State Bank and Luzerne Bank, serving North Central and Northeastern Pennsylvania communities. PWOD brings $2.3 bill...

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5/ 10Mixed

Cyborg Score thesis

Regional bank with stable dividend history being acquired at attractive valuation, offering investors exposure to Northeastern...

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Industry Regional Community Banking
2 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: October 19, 2026
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Penns Woods Bancorp, Inc. Overview

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Penns Woods Bancorp Inc provides comprehensive banking services through its subsidiaries Jersey Shore State Bank and Luzerne Bank, serving North Central and Northeastern Pennsylvania communities. PWOD brings $2.3 billion in assets, $1.7 billion in deposits, and $1.9 billion in loans, along with 24 branch locations across Pennsylvania.

Strategic Profile

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Northwest Bancshares (NWBI) has announced an agreement to acquire Penns Woods Bancorp (PWOD) in an all-stock transaction valued at approximately $270.4 million. The merger will create a combined entity with over $17 billion in assets, positioning it among the nation's top 100 largest banks.

Competitive Landscape

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Penns Woods Bancorp, Inc. is a bank holding company that operates through its subsidiaries Jersey Shore State Bank and Luzerne Bank in the Community Banking segment. The company operates in a competitive regional banking market dominated by larger regional and national institutions, with specific focus on North Central and Northeastern Pennsylvania markets.

Industry Context

Penns Woods Bancorp, Inc. operates in Regional Community Banking.

Key facts

Founded: 1896 · Headquarters: Williamsport, Pennsylvania · Market cap: $228M

What the AI analysts debated

AI-generated and not independently verified: selected findings from the multi-agent debate on Penns Woods Bancorp, Inc..

  • PWOD declared a quarterly dividend of $0.32 per share, or $1.28 annualized, representing a 41-year history of consistent dividend payments
  • Net income reached $4.8 million for Q3 2024 quarter and $14.0 million for the nine months ended September 30, 2024, showing improving profitability trajectory
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Recent developments

Material events tracked by the AskCyborg corpus.

  • December 2024Northwest Bancshares agreed to acquire PWOD for $270.4M
  • Q3 2024Nine-month net income reached $14.0M
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Northwest Bancshares (Acquirer)Regional bank holding company with 130+ branches across PA, NY, OH, IN→Regional Pennsylvania BanksOther community and regional banks operating in PA→

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Industry context

Penns Woods Bancorp, Inc. operates in Regional Community Banking. See how the rest of the sector scores on the Cyborg framework.

Top companies in Regional & Community Banking by Cyborg Score

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Frequently asked questions

What does Penns Woods Bancorp, Inc. do?+
Penns Woods Bancorp Inc provides comprehensive banking services through its subsidiaries Jersey Shore State Bank and Luzerne Bank, serving North Central and Northeastern Pennsylvania communities. PWOD brings $2.3 bill...
What is Penns Woods Bancorp, Inc.'s Cyborg Score?+
Penns Woods Bancorp, Inc. has a Cyborg Score of 5/10 (Mixed). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Penns Woods Bancorp, Inc.'s main competitors?+
Named competitors include Northwest Bancshares (Acquirer), Regional Pennsylvania Banks. The full competitive landscape is in the AskCyborg report.
How can I get the full Penns Woods Bancorp, Inc. research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Penns Woods Bancorp, Inc. research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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More Regional Community Banking research

Companies in the same sector and named competitors, ranked by Cyborg Score.

8Orrstown Financial Services, Inc.7Bank First Corporation7Guaranty Bancshares, Inc.7Heritage Commerce Corp7Hope Bancorp, Inc.7Nicolet Bankshares, Inc.7Northrim BanCorp, Inc.7Old Second Bancorp, Inc.7Peoples Bancorp Inc.7QCR Holdings, Inc.Top companies in Regional & Community Banking by Cyborg Score