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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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Penns Woods Bancorp, Inc. OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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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: June 22, 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

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Recent developments

Material events tracked by the AskCyborg corpus.

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Named competitors

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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.

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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?+
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