Norwood Financial

NWFL · NASDAQ

$33.91+$0.38 (+1.13%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $33.53

NWFL analyst rating

HoldConsensus of 1 analyst over the last 12 months. 0% rate it a buy.

Strong buy0
Buy0
Hold1
Underperform0
Sell0

12-month price target · 4 analysts

Average $37.23 (+9.8% upside)

Low: $35.35
Now: $33.91
High: $39.90

Upgrades and downgrades

The latest rating actions, newest first

NWFL analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Stephens & Co.	Jul 23, 2026	Maintains	Equal-Weight	$34.00 → $35.00	54%
Stephens & Co.	Feb 11, 2026	Maintains	Equal-Weight	$28.00 → $33.00	54%

The case for and against

Updated Dec 29, 2025

Bull case

Norwood Financial Corp is positioned for positive growth following a strategic acquisition deal valued at $54.9 million, which represents a 10% premium and is expected to enhance earnings per share (EPS) by 10% by 2026. The transaction will expand the company's presence into southeast Pennsylvania, significantly increasing its balance sheet from $2.4 billion to $3.0 billion. Despite a projected 4.2% dilution to tangible book value (TBV), the acquisition is anticipated to deliver returns within a 2.5-year earnback period, reinforcing a strong outlook for the bank’s financial performance.

Bear case

Norwood Financial Corp faces significant risks that could adversely affect its earnings and stock performance, particularly in the context of potential interest rate fluctuations. The bank's exposure to deal risk related to mergers and acquisitions adds uncertainty to its fundamentals, as the pricing, execution, and reception of such deals can dramatically influence financial outcomes. Additionally, heightened concerns around cybersecurity breaches could lead to increased costs and negatively impact consumer sentiment, further compounding the challenges facing the bank.

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