NWFL trades 5.0% below Wall Street's consensus target of $35.00.
Last 12 months price action with 12-month analyst target path
The base valuation assumes NWFL achieves its forward estimates and maintains a stable P/E multiple of 9.6x. This scenario reflects the blended consensus of 1 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of September 24, 2026, Norwood Financial Corp. (NWFL) has a Wall Street consensus price target of $35.00, based on estimates from 1 covering analysts. With the stock currently trading at $33.34, this represents a potential upside of +5.0%. The company has a market capitalization of $363M.
Analyst price targets range from a low of $35.00 to a high of $35.00, representing a 0% spread in expectations. The median target of $35.00 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Hold, with 0 analysts rating the stock as a Buy or Strong Buy,1 rating it Hold, and 0 rating it Sell or Strong Sell. The bearish sentiment suggests caution about the stock at current levels.
From a valuation perspective, NWFL trades at a trailing P/E of 11.0x and forward P/E of 9.6x. The forward PEG ratio of 1.24 indicates reasonable valuation for growth. Analysts expect EPS to grow +10.7% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $38.88, with bear and bull scenarios of $24.49 and $51.22 respectively. Model confidence stands at 42/100, suggesting limited visibility into future performance.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 CZWICitizens Community Bancorp, Inc. | $205M | $21.23 | $24.00 | +13.0% | Buy | 14.9x | 3 |
 NBTBNBT Bancorp Inc. | $2.6B | $50.48 | $56.67 | +12.3% | Hold | 12.1x | 10 |
 FXNCFirst National Corporation | $266M | $29.40 | $21.00 | -28.6% | Buy | 12.1x | 1 |
 FUNCFirst United Corporation | $276M | $42.76 | $49.50 | +15.8% | Buy | 9.6x | 1 |
 ACNBACNB Corporation | $642M | $62.87 | $61.00 | -3.0% | Buy | 11.1x | 2 |
 FMNBFarmers National Banc Corp. | $675M | $15.18 | $16.00 | +5.4% | Hold | 9.6x | 7 |
 CZFSCitizens Financial Services, Inc. | $376M | $78.28 | — | — | Buy | 9.0x | 2 |
 PFISPeoples Financial Services Corp. | $686M | $68.51 | $56.00 | -18.3% | Hold | 10.8x | 1 |
 FISFidelity National Information Services, Inc. | $17.9B | $34.67 | $48.42 | +39.7% | Buy | 5.6x | 37 |
 FISVFiserv, Inc. | $24.5B | $45.95 | $62.46 | +35.9% | Buy | 6.3x | 61 |
Quick answers to the most common questions about buying NWFL stock.
The consensus price target for NWFL is $35, close to the current price of $33.34 (5.0% implied move). Based on 1 analyst estimates, the stock appears fairly valued near current levels.
NWFL has a consensus rating of "Hold" based on 1 Wall Street analysts. The rating breakdown is mixed, with 1 Hold ratings making up the largest segment. The consensus 12-month price target of $35 implies 5.0% upside from current levels.
With a forward P/E of 9.5667x, NWFL trades at a relatively low valuation. The consensus target of $35 implies 5.0% appreciation, suggesting the market may be pricing in risks.
The most bullish Wall Street analyst has a price target of $35 for NWFL, while the most conservative target is $35. The consensus of $35 represents the median expectation. Our quantitative valuation model projects a bull case target of $51 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
NWFL is lightly followed, with 1 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 0 have Buy ratings, 1 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month NWFL stock forecast based on 1 Wall Street analysts shows a consensus price target of $35, with estimates ranging from $35 (bear case) to $35 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $39, with bear/bull scenarios of $24/$51.
Our quantitative valuation model calculates NWFL's fair value at $39 (base case), with a bear case of $24 and bull case of $51. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 42/100.
NWFL trades at a forward P/E ratio of 9.6x based on next-twelve-months earnings estimates compared to a trailing P/E of 11.0x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
NWFL appears fairly valued according to analysts, with a "Hold" rating and minimal upside to the $35 target. Consider your investment thesis and risk tolerance. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
NWFL analyst price targets range from $35 to $35, a 0% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $35 consensus represents the middle ground. Our model's $24-$51 range provides an independent fundamental perspective.
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