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CIK 716605

PENNS WOODS BANCORP INC
CIK 0000716605 · EDGAR ↗
cleanelevatedtriggeredno dataplanned
6.9
composite · 2 signals · CLEAN

Every card below shows the score and the exact filing data it was computed from — no unexplained numbers. Some signals (P-02, P-03, P-08, P-09, P-10, P-11) pull live documents from SEC EDGAR the first time you view this company; a few of those (P-03, P-10, P-11) use AI to read the filing text, but every AI claim must quote the actual document verbatim or it's discarded — never a guess.

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Signals

P-05 · FY 2024-12-31 · CLEAN8.6

Tax arbitrage

ETR 19.0% — within normal range of statutory
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2025-03-13) ↗
Evidence — inputs and thresholds
{
  "etr_by_year": {
    "2024-12-31": 0.1897,
    "2023-12-31": 0.1828,
    "2022-12-31": 0.1929
  },
  "statutory_rate": 0.21,
  "gap_by_year": {
    "2024-12-31": 0.0203,
    "2023-12-31": 0.0272,
    "2022-12-31": 0.0171
  },
  "note": "Low ETR can be fully legitimate; this flags persistence + magnitude for review.",
  "stale": false,
  "latest_filing_period": "2024-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/716605/000071660525000006/0000716605-25-000006-index.htm",
    "form": "10-K",
    "filed": "2025-03-13"
  }
}
P-07 · FY 2024-12-31 · CLEAN0.0

Pension underfunding

DB plan 161% funded
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2025-03-13) ↗
Evidence — inputs and thresholds
{
  "benefit_obligation": 15785000,
  "plan_assets": 25452000,
  "funded_ratio": 1.6124,
  "deficit": 9667000,
  "deficit_vs_equity": null,
  "thresholds": {
    "elevated": "<90% funded",
    "triggered": "<80% funded or deficit >25% of equity"
  },
  "stale": false,
  "latest_filing_period": "2024-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/716605/000071660525000006/0000716605-25-000006-index.htm",
    "form": "10-K",
    "filed": "2025-03-13"
  }
}