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Penns Woods Bancorp, Inc. operates as the holding company for Jersey Shore State Bank, which provides commercial and retail banking services to individuals, partnerships, non-profit organizations, and corporations in Pennsylvania. It accepts various time, demand, and savings deposits, including super NOW accounts, statement savings accounts, money market accounts, fixed rate certificates of deposit, club accounts, checking accounts, and individual retirement accounts. The company's loan products include secured and unsecured business and consumer loans, such as financing commercial transactions, as well as construction and residential mortgage loans; revolving credit loans with overdraft protection; agricultural loans; commercial loans; and real estate loans, including construction and land development, farmland, one-to-four family residential, and multi-family loans. Penns Woods Bancorp also offers various consumer loans, such as second mortgages, automobile financing, small loan requests, overdraft check lines, and PHEAA referral loans. In addition, the company provides insurance, securities brokerage services, annuity and mutual fund investment products, and financial planning services, as well as safe deposit services. It offers its products and services through automated teller machines, Internet, and telephone banking delivery channels. As of December 31, 2008, Penns Woods Bancorp operated 13 branch offices in Clinton, Lycoming, and Centre Counties, Pennsylvania. The company was founded in 1934 and is based in Williamsport, Pennsylvania.

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Key Statistics

Closing Price	37.65
Volume	3735
Volume Avg	5413
52 Week High	41.00
52 Week Low	31.00
PE	11.80
PE (group average)	27
EPS Year	3.22
EPS change Q/Q	-1.33%
EPS change Q/Q Yr ago	15.63%
EPS change Q/Q next Q est	-100%
EPS change Y/Y	-31.86%
REV change Q/Q	-0.91%
REV change Q/Q Yr ago	1.87%
EPS next Q est	0.00
EPS next Y est	0.00
Divident Annual	1.85
Dividend Yield	4.91%