KARAS MICHELLE M

PrivateCIK: 1669144
Location

WILLIAMSPORT, PA

KARAS MICHELLE M (Chief Operating Officer) exercised options at PENNS WOODS BANCORP INC

Option exercise — a mechanical event triggered by vesting or expiry. Not a discretionary conviction trade.

M · 2 exercises
InsiderKARAS MICHELLE MCIK 1669144
IssuerPENNS WOODS BANCORP INCCIK 716605
Officer· Chief Operating Officer
Since Mar 2017
-8K
Net shares
Net seller
$241.6K
Total sold
0
Open market trades
0B · 0S
6
Total transactions
10K acquired · 18K disposed
Non-Derivative Transactions4

Common Stock

Direct
M · Option Exercise

Shares

+5K

Price / share

$24.23

Trade value

$121.15K

% of position

107.5%
5/13/2025
4.65K9.65K

Common Stock

Direct
F · Tax Withholding

Shares

4.01K

Price / share

$30.19

Trade value

$121.12K

% of position

41.6%
5/13/2025
9.65K5.64K

Common Stock

Direct
M · Option Exercise

Shares

+5K

Price / share

$24.10

Trade value

$120.50K

% of position

88.7%
5/13/2025
5.64K10.64K

Common Stock

Direct
F · Tax Withholding

Shares

3.99K

Price / share

$30.19

Trade value

$120.49K

% of position

37.5%
5/13/2025
10.64K6.65K
Total

Net shares

+2K

Net value

$39.43

Derivative Transactions2

Employee Stock Options (Right to Buy)

Direct
M · Option Exercise
Converts to

Common Stock

5K shares

Shares

5K

Strike price

24.23

Held after

2.50K

Exercisable

5/13/2025

Employee Stock Options (Right to Buy)

Direct
M · Option Exercise
Converts to

Common Stock

5K shares

Shares

5K

Strike price

24.10

Held after

2.50K

Exercisable

5/13/2025
KARAS MICHELLE M — Insider Transaction (Form 4) Filed May 13, 2025 | Finecho