---
title: "Penns Woods Bancorp, Inc. reported Q1 2025 earnings with net income of $7.4 million, EPS of $0.97, and ROA of 1.31%. Assets were $2.3 billion and non-performing loans ratio increased to 0.53%. Deposits increased to $1.7 billion. Shareholders' equity at $212.0 million. Earnings improved compared to 2024. Forward-looking statements caution potential changes due to market conditions or mergers. For full information, visit the company website."
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/237599750.md"
description: "Penns Woods Bancorp, Inc. reported Q1 2025 earnings with a net income of $7.4 million and EPS of $0.97, showing significant improvement from $3.8 million in Q1 2024. Total assets reached $2.3 billion, with deposits at $1.7 billion. The non-performing loans ratio increased to 0.53%. Management cautioned about potential market changes affecting future performance. Overall, the company showed strong financial performance and strategic growth in the quarter."
datetime: "2025-04-25T15:17:22.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/237599750.md)
  - [en](https://longbridge.com/en/news/237599750.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/237599750.md)
generator: "portal-rs"
---

# Penns Woods Bancorp, Inc. reported Q1 2025 earnings with net income of $7.4 million, EPS of $0.97, and ROA of 1.31%. Assets were $2.3 billion and non-performing loans ratio increased to 0.53%. Deposits increased to $1.7 billion. Shareholders' equity at $212.0 million. Earnings improved compared to 2024. Forward-looking statements caution potential changes due to market conditions or mergers. For full information, visit the company website.

Penns Woods Bancorp, Inc. (ticker: PWOD) reported a net income of $7.4 million for the first quarter of 2025, with basic earnings per share of $0.97 and diluted earnings per share of $0.95. This marks a significant increase from the same period in 2024 when net income was $3.8 million. The company's net interest income increased by $2.4 million, resulting in a net interest margin of 3.13%. Non-performing loans increased to $10.0 million, with net loan recoveries of $957,000. Total assets stood at $2.3 billion, with deposits increasing to $1.7 billion. Shareholders' equity rose to $212.0 million. The company's core earnings were $8.1 million, resulting in basic and diluted core earnings per share of $1.06 and $1.04, respectively. Non-GAAP financial measures showed strong performance, with core return on average assets at 1.43% and core return on average equity at 16.15%. The company's non-GAAP measure of net income reflects adjustments to exclude special items, providing a clearer view of core business performance. The management also provided forward-looking statements and cautioned investors about potential factors that could impact future performance, including changes in laws and regulations, interest rates, and the impact of the merger agreement with Northwest Bancshares, Inc. Overall, Penns Woods Bancorp, Inc. demonstrated strong financial performance and strategic growth in the first quarter of 2025.

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> **Disclaimer: This article is for reference only and does not constitute any investment advice.**