YOUNG KAREN S (President & CEO of JSSB) exercised options at PENNS WOODS BANCORP INC

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

M · 4 exercises

YOUNG KAREN S

Filed: 2/11/2025ACC: 0001174947-25-000148

InsiderYOUNG KAREN SCIK 1783945

→

IssuerPENNS WOODS BANCORP INCCIK 716605

Officer· President & CEO of JSSB

Since Jul 2019

-46.57K

Net shares

Net seller

$1.49M

Total sold

Open market trades

0B · 0S

Total transactions

59.15K acquired · 105.72K disposed

Non-Derivative Transactions8

Common Stock

Direct

M · Option Exercise

+16.70K

Price / share

$24.10

Trade value

$402.47K

% of position

507.4%

2/7/2025

3.29K→19.99K

Common Stock

Direct

F · Tax Withholding

−12.62K

Price / share

$31.90

Trade value

$402.45K

% of position

63.1%

2/7/2025

19.99K→7.38K

Common Stock

Direct

M · Option Exercise

+16.70K

Price / share

$24.33

Trade value

$406.31K

% of position

226.4%

2/7/2025

7.38K→24.07K

Common Stock

Direct

F · Tax Withholding

−12.68K

Price / share

$31.90

Trade value

$404.62K

% of position

52.7%

2/7/2025

24.07K→11.39K

Common Stock

Direct

M · Option Exercise

+16K

Price / share

$25.34

Trade value

$405.44K

% of position

140.5%

2/7/2025

11.39K→27.39K

Common Stock

Direct

F · Tax Withholding

−12.71K

Price / share

$31.90

Trade value

$405.42K

% of position

46.4%

2/7/2025

27.39K→14.68K

Common Stock

Direct

M · Option Exercise

+9.75K

Price / share

$28.01

Trade value

$273.10K

% of position

66.4%

2/7/2025

14.68K→24.43K

Common Stock

Direct

F · Tax Withholding

−8.56K

Price / share

$31.90

Trade value

$273.10K

% of position

35.0%

2/7/2025

24.43K→15.87K

Total

Net shares

+12.58K

Net value

$1.74K

Security	Date	Type	Shares	Price / Share	Trade Value	% of Position	Held Before	Held After
Common Stock Direct	2/7/2025	M · Option Exercise	+16.70K	$24.10	$402.47K	507.4%	3.29K	19.99K
Common Stock Direct	2/7/2025	F · Tax Withholding	−12.62K	$31.90	$402.45K	63.1%	19.99K	7.38K
Common Stock Direct	2/7/2025	M · Option Exercise	+16.70K	$24.33	$406.31K	226.4%	7.38K	24.07K
Common Stock Direct	2/7/2025	F · Tax Withholding	−12.68K	$31.90	$404.62K	52.7%	24.07K	11.39K
Common Stock Direct	2/7/2025	M · Option Exercise	+16K	$25.34	$405.44K	140.5%	11.39K	27.39K
Common Stock Direct	2/7/2025	F · Tax Withholding	−12.71K	$31.90	$405.42K	46.4%	27.39K	14.68K
Common Stock Direct	2/7/2025	M · Option Exercise	+9.75K	$28.01	$273.10K	66.4%	14.68K	24.43K
Common Stock Direct	2/7/2025	F · Tax Withholding	−8.56K	$31.90	$273.10K	35.0%	24.43K	15.87K
Total			+12.58K		$1.74K

Derivative Transactions4

Employee Stock Options (Right to Buy)

Direct

M · Option Exercise

Converts to

Common Stock

12K shares

−9.75K

Strike price

28.01

Held after

9.75K

Exercisable

—

2/7/2025

Employee Stock Options (Right to Buy)

Direct

M · Option Exercise

Converts to

Common Stock

25K shares

−16K

Strike price

25.34

Held after

16K

Exercisable

—

2/7/2025

Employee Stock Options (Right to Buy)

Direct

M · Option Exercise

Converts to

Common Stock

33.30K shares

−16.70K

Strike price

24.23

Held after

8.30K

Exercisable

—

2/7/2025

Employee Stock Options (Right to Buy)

Direct

M · Option Exercise

Converts to

Common Stock

33.30K shares

−16.70K

Strike price

24.10

Held after

8.30K

Exercisable

—

2/7/2025

Security	Converts To	Date	Type	Shares	Strike Price	Exercisable	Held After
Employee Stock Options (Right to Buy) Direct	Common Stock12K shares	2/7/2025	M · Option Exercise	−9.75K	28.01	—	9.75K
Employee Stock Options (Right to Buy) Direct	Common Stock25K shares	2/7/2025	M · Option Exercise	−16K	25.34	—	16K
Employee Stock Options (Right to Buy) Direct	Common Stock33.30K shares	2/7/2025	M · Option Exercise	−16.70K	24.23	—	8.30K
Employee Stock Options (Right to Buy) Direct	Common Stock33.30K shares	2/7/2025	M · Option Exercise	−16.70K	24.10	—	8.30K