NWBI stock closed at $13.21 on January 31, 2025, up 1.62% during regular trading. From a bearish perspective, the stock's P/E ratio of 12.90 is higher than the industry average of 15.30, suggesting limited upside potential. Additionally, while the company has a strong dividend yield of 6%, its growth prospects may be constrained by the flat loan portfolio and reliance on acquisitions like Penns Woods Bancorp to drive expansion.