{"schema_version":"secwatch.filing_event.v1","accession":"0000716605-24-000010","form_type":"8-K","ticker":null,"cik":"0000716605","company_name":"PENNS WOODS BANCORP INC","filed_at":"2024-04-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:21.756045+00:00","generated_at":"2026-06-03T08:45:50.669761+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Penns Woods Bancorp Q1 2024 net income $3.8M ($0.51 EPS) vs $4.7M ($0.66 EPS) prior year","bullets":["Net income $3.8M, down $0.9M YoY; diluted EPS $0.51 vs $0.64.","Net interest income fell $552k due to higher interest expense from FOMC rate increases.","Provision for credit losses $138k, up $67k; one loan moved to nonaccrual.","After-tax loss of $261k on disposal of two former branch properties.","ROAA 0.69% (vs 0.92%) and ROAE 8.03% (vs 11.12%)."],"urls":{"canonical":"https://secwatch.observer/filing/0000716605-24-000010","json":"https://secwatch.observer/filing/0000716605-24-000010.json","markdown":"https://secwatch.observer/filing/0000716605-24-000010.md","text":"https://secwatch.observer/filing/0000716605-24-000010.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/716605/000071660524000010/0000716605-24-000010-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/716605/000071660524000010/pwod-20240425.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T08:45:50.669761+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"e8e15c96684991308598927549bf150dad43252a","claim":"PENNS WOODS BANCORP INC reported the three months ended March 31, 2024 results: net income $3.8 million, EPS $0.51.","evidence_excerpt":"Penns Woods Bancorp, Inc. achieved net income of $3.8 million for the three months ended March 31, 2024, resulting in basic and diluted earnings per share of $0.51.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/716605/000071660524000010/0000716605-24-000010-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended March 31, 2024"},{"label":"Net income","value":"$3.8 million"},{"label":"EPS","value":"$0.51"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}