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Penns Woods Bancorp (PWOD), Inc. is listed on the NASDAQ National Market under the symbol PWOD. It is the bank holding company for Jersey Shore State Bank (JSSB) and Luzerne Bank (LUZ) and is headquartered in Williamsport, PA. PWOD joined NASDAQ on November 15, 2001.

Incorporated in Pennsylvania on January 7, 1983, with JSSB as a wholly owned subsidiary, Penns Woods Bancorp acquired Luzerne Bank on June 1, 2013.
In October 2000, JSSB acquired the M Group, Inc. D/B/A The Comprehensive Financial Group.  The M Group operates as a subsidiary of JSSB and offers insurance and securities brokerage services.
In 2018, Penns Woods Bancorp, Inc. formed United Insurance Solutions (UIS).  UIS offers Property & Casualty Insurance, as well as Medicare Plan.
Each bank, as well as UIS, is run separately and has its own board of directors. PWOD also has its own board.

JSSB’s 17 full-service offices and Luzerne Bank’s eight banking locations serve customers throughout north-central and north-eastern Pennsylvania through the banks' retail banking, commercial banking, mortgage services, and financial services divisions.