T II H I alexsl Earnings of Penns Woods Bancorp, Inc. (NASDAQ:PWOD) will likely benefit from residential loan growth. Meanwhile, interest rate cuts will have a mised impact on the margin. Overall, I'm expecting the company to report eamings of $2.24 per share for both 2024 and 2025. The year-end target price suggests a high upside from the current market price. Additionally, PWOD is offering a high dividend yield of 5.9%. Based on the total expected return, I 'm adopting a buy rating on Penns Woods Bancorp. ...