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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Penns Woods Bancorp
Penns Woods Bancorp (PWOD) investor relations material
Penns Woods Bancorp has been delisted
Penns Woods Bancorp Q1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2025 earnings summary25 Apr, 2025
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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Latest events from Penns Woods Bancorp
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Investor Presentation - $270M all-stock merger creates a leading Pennsylvania bank with strong EPS accretion.PWODInvestor Presentation
- Q3 net income and EPS surged on loan growth and higher margins, with strong capital ratios.PWODQ3 2024
- Q2 net income up 29% year-over-year, with improved margins, loan growth, and strong capital.PWODQ2 2024
- 2024 net income rose to $17.7M, but Q4 earnings fell on merger costs and asset sales.PWODQ4 2025
Penns Woods Bancorp
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Frequently asked questions
Penns Woods Bancorp, Inc. is a financial holding company headquartered in Williamsport, Pennsylvania. It operates through its subsidiaries, Jersey Shore State Bank (JSSB) and Luzerne Bank, offering a wide range of banking services including commercial and retail banking, mortgage services, and financial planning. The company’s services include deposit products such as checking, savings, and certificate of deposit accounts, as well as various loan products like residential and commercial real estate loans, consumer loans, and agricultural loans. In addition to banking, Penns Woods Bancorp also provides insurance services through United Insurance Solutions, covering areas like home, auto, and life insurance. The company is headquartered in Williamsport, Pennsylvania, and its shares are listed on the NASDAQ.