PENNS WOODS BANCORP INC
PWODFinancials · State Commercial Banks · PA · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | $1.3M | $1.4M |
| Operating income | — | — | — | — | — | — |
| Net income | $17.7M | $16.6M | $17.4M | $16.0M | $15.2M | $15.7M |
| Total assets | $2.23B | $2.20B | $2.00B | $1.94B | $1.83B | $1.67B |
| Total liabilities | $2.03B | $2.01B | $1.83B | $1.77B | $1.67B | $1.51B |
| Equity | $205.2M | $191.6M | $167.7M | $172.3M | $164.1M | $155.0M |
| EPS (diluted) | $2.35 | $2.34 | $2.47 | $2.27 | $2.16 | $2.20 |
| Shares out. | 7.5M | 7.1M | 7.1M | 7.1M | 7.0M | 4.7M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2024- Operating margin
- —
- Net margin
- —
- Return on equity
- 8.6%
- Return on assets
- 0.8%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 90.8%
- Debt / equity
- 9.88×
- Book value / share
- $27.31
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 6.8%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2024- Accruals / assets
- −0.1%clean
- Piotroski F-Score
- 5/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| Jul 15, 2025 | 204,819 | 7.5 | +10.8% |
| Jun 30, 2025 | 184,942 | 1.5 | +451.6% |
| Jun 13, 2025 | 33,527 | 1.3 | +15.7% |
| May 30, 2025 | 28,987 | 2.3 | +3.9% |
| May 15, 2025 | 27,903 | 1.7 | +3.7% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsJul 28, 2025
- Results of operationsApr 25, 2025
- Shareholder voteApr 23, 2025
- Results of operationsJan 29, 2025
- Entered a material agreementDec 20, 2024
- Regulation FD disclosure · Other material eventDec 17, 2024
- Regulation FD disclosureNov 26, 2024
- Results of operationsOct 24, 2024
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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