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Penns Woods Bancorp (PWOD) investor relations material
Penns Woods Bancorp Q1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net income for Q1 2025 was $7.4M, up from $3.8M in Q1 2024, driven by higher net interest income and a negative provision for credit losses due to a $1.3M commercial loan recovery.
Basic and diluted EPS were $0.97 and $0.95, respectively, compared to $0.51 for both in Q1 2024.
Core earnings (non-GAAP) were $8.1M, with basic and diluted core EPS of $1.06 and $1.04, respectively.
Annualized ROA was 1.31% and ROE was 14.76%, both up significantly year-over-year.
After-tax merger-related expenses of $948K were recognized in Q1 2025 due to the pending acquisition by Northwest Bancshares, Inc.
Financial highlights
Net interest income increased by $2.4M year-over-year to $16.1M, with net interest margin expanding to 3.13% from 2.69%.
Interest and dividend income rose 8.2% to $28.4M, mainly from higher loan balances and yields.
Total assets reached $2.25B, up 1.9% year-over-year; net loans grew 2.4% to $1.89B.
Deposits increased $105.4M to $1.72B, with time and brokered deposits both rising.
Allowance for credit losses was 0.54% of total loans, down from 0.62% a year ago.
Outlook and guidance
The pending acquisition by Northwest Bancshares, Inc. is expected to close in Q3 2025.
Management expects continued loan portfolio growth, supported by strong capital ratios and liquidity.
The company remains asset sensitive and well positioned for potential interest rate changes.
Management notes forward-looking risks related to the pending merger, integration challenges, and market conditions.
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