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PWOD Penns Woods Bancorp

Penns Woods Bancorp, Inc. is the bank holding company for Jersey Shore State Bank and Luzerne Bank. The banks serve customers in North Central and North Eastern Pennsylvania through their retail banking, commercial banking, mortgage services and financial services divisions.

Company profile

Ticker
PWOD
Exchange
Website
CEO
Richard A. Grafmyre
Employees
Incorporated
Location
Fiscal year end
Industry (SIC)
SEC CIK
IRS number
232226454

PWOD stock data

(
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Calendar

10 May 21
3 Aug 21
31 Dec 21
Quarter (USD)
Mar 21 Dec 20 Sep 20 Jun 20
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Annual (USD)
Dec 20 Dec 19 Dec 18 Dec 17
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Financial data from company earnings reports.

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
3 Aug 21 Knepp Brian L Penns Woods Bancorp, Inc. common stock Buy Aquire P No No 23.55 330 7.77K 10,088
2 Aug 21 Knepp Brian L Penns Woods Bancorp, Inc. common stock Buy Aquire P No No 23.55 145 3.41K 9,758
30 Jul 21 Kranich Charles E. Penns Woods Bancorp, Inc. common stock Buy Aquire P No No 23.65 500 11.83K 21,065
30 Jul 21 Brewer Daniel K. Penns Woods Bancorp, Inc. Grant Aquire A No No 23.51 347 8.16K 6,016
30 Jul 21 Kephart Cameron Penns Woods Bancorp, Inc. Common Stock Grant Aquire A No No 23.51 307 7.22K 3,648

Data for the last complete 13F reporting period. To see the most recent changes to ownership, click the ownership history button above.

27.6% owned by funds/institutions
13F holders
Current Prev Q Change
Total holders 45 45
Opened positions 3 7 -57.1%
Closed positions 3 1 +200.0%
Increased positions 16 17 -5.9%
Reduced positions 18 10 +80.0%
13F shares
Current Prev Q Change
Total value 123.65M 98.03M +26.1%
Total shares 1.95M 1.9M +2.3%
Total puts 0 0
Total calls 0 0
Total put/call ratio
Largest owners
Shares Value Change
BLK Blackrock 444.69K $10.71M +10.1%
Vanguard 305.31K $7.36M +1.1%
Dimensional Fund Advisors 274.12K $6.6M +1.1%
Renaissance Technologies 194.27K $4.68M +14.3%
STT State Street 114.74K $2.76M -6.8%
Geode Capital Management 98.36K $2.37M +0.8%
NTRS Northern Trust 69.37K $1.67M -9.3%
Hudock 55.62K $1.34M -3.4%
Bridgeway Capital Management 48.9K $1.18M +104.6%
BK Bank Of New York Mellon 41.98K $1.01M -0.6%
Largest transactions
Shares Bought/sold Change
Kennedy Capital Management 0 -47.86K EXIT
BLK Blackrock 444.69K +40.72K +10.1%
Bridgeway Capital Management 48.9K +25K +104.6%
Renaissance Technologies 194.27K +24.3K +14.3%
GS Goldman Sachs 19.1K +19.1K NEW
WFC Wells Fargo & Co. 4.58K -14.23K -75.7%
BAC Bank Of America 22.57K +11.29K +100.1%
Wbi Investments 21.71K +10.71K +97.5%
Alliancebernstein 0 -9.26K EXIT
Bernardo Wealth Planning 0 -8.62K EXIT

Financial report summary

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Risks
  • Changes in interest rates could reduce our income, cash flows and asset values.
  • Our information systems may experience an interruption or breach in security.
  • We may be adversely affected by government regulation.
Management Discussion
  • Reported net interest income decreased $2,592,000 to $48,223,000 for the year ended December 31, 2020 compared to the year ended December 31, 2019, as the growth in the earning asset portfolio was offset by a decrease in the yield on earning assets to 3.80% from 4.33%.  Total interest income decreased $4,136,000 primarily from a decrease in the tax equivalent yield on the loan portfolio decreasing 16 basis points ("bp") coupled with a decrease in the average balance of the loan portfolio of $26,382,000. Tax equivalent interest income on the investment portfolio decreased $688,000 as the yield on the investment portfolio decreased 65 bp. The decrease in the yield on the earning asset portfolio was driven by the impact of the continued low interest rate environment resulting from the COVID-19 pandemic.
Content analysis
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Negative
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Legalese
Litigous
Readability
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