Northwest Bancshares, Inc. NWBI R2K

Financial Services · Banks - Regional · United States

https://www.northwest.bank

Northwest Bancshares, Inc. operates as the bank holding company for Northwest Bank, a state-chartered savings bank that provides personal and commercial banking solutions in Pennsylvania, New York, Ohio, and Indiana in the United States. The company accepts various deposits, including checking, savings, money market deposit, term certificate, and individual retirement accounts. It also offers loan products comprising one-to-four-family residential real estate loans, shorter-term consumer loans, and loans collateralized by multi-family residential and commercial real estate, as well as commercial business loans; residential mortgage loans; home equity loans and lines of credit; commercial real estate loans; commercial loans and financing solutions; and other consumer loans, including auto refinance loans, indirect automobile and recreational loans, unsecured personal loans, credit card loans, and loans secured by investment accounts. In addition, the company offers investment and cash management; estate and trust services; digital and online banking; certificates of deposit; credit cards; student and small business loans; private banking, planning, and investments; retirement plans; liquidity management for commercial checking and savings; treasury and wealth management; insurance; employee benefit plans; and financial planning services. It serves individuals, businesses, and charitable institutions. Northwest Bancshares, Inc. was founded in 1896 and is headquartered in Columbus, Ohio.

Market & Price

Market Cap

$2.07B

Current Price

$14.15

High / Low (52W)

$14.15 / $10.92

Beta

0.68

Valuation

Stock P/E

15.38

Industry PE

12.01

Forward P/E

9.81

PEG Ratio

2.29

Book Value

$12.94

Price to Book

1.09

P/S

3.33

EV/EBITDA

Dividend Yield

5.66%

Profitability & Returns

ROCE

ROE

7.53%

ROA

0.85%

Profit Margin

21.41%

Op Margin

42.40%

EPS (Latest Qtr)

$0.34

EPS (TTM)

$0.92

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$619.78M

Total Assets

$16.77B

Current Assets

Working Capital

Ownership

Promoter Holding

0.93%

Chg in Prom Hold

0.07%

FII / Inst Holding

70.96%

Chg in FII Hold

-0.00%

Financial Snapshot

Enterprise Value

$2.38B

Total Revenue (TTM)

$621.52M

EBITDA

Free Cash Flow

Operating Cash Flow

$119.67M

Shares Outstanding

146.31M

Gross Margin

0.00%

Payout Ratio

86.96%

Growth (CAGR)

Revenue 5Y

7.16%

Profit 5Y

-1.95%

Revenue (YoY)

15.10%

Earnings (YoY)

0.00%

PROS

Excellent profit margin of 21.4%.
Attractive dividend yield of 5.66%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Earnings shrank at -1.9% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	NWBI Northwest Bancshares, Inc. R2K	14.15	15.38	$2.07B	5.66%	-	7.53%	7.16%	-1.95%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2015	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	155.84M	149.54M	167.40M	179.09M	174.19M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	52.78M	52.13M	58.70M	60.66M	59.07M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	56.52M	44.10M	3.47M	58.70M	66.66M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	13.07M	10.42M	302.00K	12.98M	16.12M
Net Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-6.20M	38.05M	-	40.24M	48.97M	35.06M	28.29M	33.43M	37.30M	33.68M	33.04M	39.22M	29.16M	4.75M	33.62M	43.46M	33.67M	3.17M	45.71M	50.54M
Diluted EPS	0.17	0.13	0.16	0.18	-0.07	0.14	0.24	0.17	0.30	0.23	0.22	0.24	0.25	0.27	0.26	0.24	0.25	0.31	0.24	0.07	-0.05	0.30	0.28	0.32	0.38	0.27	0.22	0.26	0.29	0.26	0.26	0.31	0.23	0.04	0.26	0.34	0.26	0.02	0.31	0.34

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	529.72M	547.81M	520.47M	651.87M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	28.12M	152.24M	233.62M	224.27M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	173.69M	175.08M	129.55M	162.79M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	40.03M	40.12M	29.27M	36.78M
Net Income	-	-	-	-	-	-	-	-	-	-	110.43M	74.85M	-	133.67M	134.96M	100.28M	126.01M
Diluted EPS	0.30	0.53	0.64	0.67	0.73	0.67	0.64	0.49	0.92	1.02	1.04	0.62	-	1.05	1.06	0.79	0.92

Compounded Sales Growth

5 Years:	7.16%
1 Year:	15.10%

Compounded Profit Growth

5 Years:	-1.95%
1 Year:	0.00%

Stock Price Performance

1 Year:	+22.78%
6 Months:	+19.73%
3 Months:	+15.29%
1 Month:	+4.39%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	8.03B	8.15B	7.96B	7.94B	7.88B	7.78B	8.95B	9.62B	9.36B	9.61B	10.49B	13.81B	-	14.11B	14.42B	14.41B	16.77B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	79.92M	1.11B	719.11M	688.30M	451.70M	391.90M	240.71M	167.41M	389.87M	77.71M	68.79M	-	-	-	139.37M	122.26M	288.38M	233.65M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	35.53M	47.35M	46.36M	56.29M
Total Liabilities	-	-	6.84B	6.80B	6.81B	6.72B	6.71B	7.79B	8.45B	8.16B	8.35B	9.14B	12.27B	-	12.62B	12.87B	12.81B	14.88B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	243.15M	243.76M	244.37M	350.38M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	924.32M	642.66M	444.70M	691.18M
Total Equity	613.78M	1.32B	1.31B	1.15B	1.13B	1.16B	1.06B	1.16B	1.17B	1.21B	1.26B	1.35B	1.54B	-	1.49B	1.55B	1.60B	1.89B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	127.03M	127.11M	127.51M	146.11M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-	-	-	-	130.21M	90.57M	113.20M	135.71M	151.80M	138.91M	127.46M	140.44M	-	175.43M	92.89M	127.67M	153.41M
Investing Cash Flow	-	-	-	-	-76.15M	-68.00M	-88.81M	1.15B	-104.04M	-281.91M	-300.59M	-560.58M	-	-917.42M	-239.68M	174.97M	-127.35M
Financing Cash Flow	-	-	-	-	-113.86M	-173.78M	-97.69M	-1.06B	-359.92M	134.08M	165.19M	1.10B	-	-397.90M	129.69M	-136.52M	-80.79M
Capital Expenditure	-20.42M	-15.94M	-12.43M	-18.25M	-19.37M	-9.97M	-13.22M	-15.23M	-3.72M	-5.23M	-10.90M	-12.25M	-	-4.32M	-8.56M	-2.31M	-11.63M
Free Cash Flow	-	-	-	-	110.84M	80.60M	99.98M	120.48M	148.08M	133.68M	116.56M	128.18M	-	171.11M	84.33M	125.36M	141.78M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-1.14B	-17.11M	166.12M	-54.73M
Share Buybacks	-	6.43M	172.69M	52.03M	4.46M	5.27M	7.85M	1.75M	0	0	0	9.28M	23.85M	0	0	-	-
Dividends Paid	15.81M	43.28M	43.64M	56.86M	45.87M	149.93M	52.83M	60.16M	65.21M	69.92M	76.17M	93.13M	100.27M	101.47M	101.67M	101.85M	109.91M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	25.2%	24.6%	19.3%	19.3%
ROE %	-	-	-	-	-	-	-	-	-	-	8.2%	4.9%	-	9.0%	8.7%	6.3%	6.7%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

0.93%

Institutions

70.96%

Public Float

71.63%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	14.27%	20.87M	$295.36M
2	Dimensional Fund Advisors LP	6.18%	9.04M	$127.85M
3	State Street Corporation	6.09%	8.91M	$126.05M
4	Vanguard Portfolio Management LLC	6.05%	8.86M	$125.32M
5	Vanguard Capital Management LLC	4.44%	6.50M	$91.99M
6	First Trust Advisors LP	2.90%	4.24M	$59.97M
7	Geode Capital Management, LLC	2.58%	3.77M	$53.34M
8	Victory Capital Management Inc.	1.54%	2.25M	$31.90M
9	Charles Schwab Investment Management, Inc.	1.32%	1.92M	$27.24M
10	Bank Of New York Mellon Corporation	1.06%	1.55M	$21.91M

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