Company: NWBI
Filing Date: 2025-02-20
Form Type: S-4/A
Source: 0001193125-25-030716
Chunk: 19

Company: Northwest Bancshares, Inc.
Filing Date: 2025-02-20
Form: S-4/A
Chunk 19
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 stock is traded on the Nasdaq Global Select Market under the
symbol “NWBI”. Northwest is subject to the reporting requirements under the Exchange Act, as amended, and, therefore, files reports, proxy statements and other information with the SEC. Further important business and financial information
about Northwest is incorporated by reference into this proxy statement/prospectus. See “INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE” on page 89 of this proxy statement/prospectus.

Penns Woods Bancorp, Inc.

Penns Woods
Bancorp, Inc.

300 Market Street

P.O. Box 967

Williamsport,
Pennsylvania 17703-0967

(570) 322-1111

Organized in 1983, Penns Woods Bancorp, Inc. (“Penns Woods”) was incorporated under the laws of the Commonwealth of Pennsylvania as
a bank holding company. In connection with the organization of Penns Woods, Jersey Shore State Bank (“Jersey Shore Bank”), a Pennsylvania-chartered bank, became a wholly-owned subsidiary of Penns Woods. On June 1, 2013, Penns Woods
became a multi-bank holding company when it acquired Luzerne Bank, a Pennsylvania-chartered bank (“Luzerne Bank” and together with Jersey Shore Bank, the “Subsidiary Banks”). Penns Woods’ three other wholly-owned
subsidiaries are: (i) Woods Real Estate Development Company, Inc., (ii) Woods Investment Company, Inc., and (iii) United Insurance Solutions, LLC. Penns Woods’ business has consisted primarily of managing and supervising the
Subsidiary Banks, and its principal source of income has been dividends paid by the Subsidiary Banks and Woods Investment Company, Inc.

The Subsidiary Banks are engaged in commercial and retail banking which includes the acceptance of time, savings, and demand deposits, the
funding of commercial, consumer, and mortgage loans, and safe deposit services. Utilizing a branch office network, ATMs, internet, and telephone banking delivery channels, the Subsidiary Banks deliver their products and services to the communities
they reside in.

In October 2000, Jersey Shore Bank acquired The M Group, Inc. d/b/a The Comprehensive Financial Group (“The M
Group”). The M Group, which operates as a subsidiary of Jersey Shore Bank, offers insurance and securities brokerage services. Securities are offered by The M Group through Cetera Financial Group, a registered broker-de