12.29 USD
-0.06 (-0.49%)
12.29 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to NWBI. NWBI was compared to 388 industry peers in the Banks industry. NWBI may be in some trouble as it scores bad on both profitability and health. NWBI has a correct valuation and a medium growth rate. NWBI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
NWBI had positive earnings in the past year.
In the past year NWBI had a positive cash flow from operations.
In the past 5 years NWBI has always been profitable.
NWBI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
NWBI has a Return On Assets of 0.69%. This is in the lower half of the industry: NWBI underperforms 66.24% of its industry peers.
NWBI has a worse Return On Equity (6.09%) than 72.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.69% | ||
| ROE | 6.09% | ||
| ROIC | N/A |
ROA(3y)0.86%
ROA(5y)0.84%
ROE(3y)7.96%
ROE(5y)7.7%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 17.96%, NWBI is doing worse than 70.88% of the companies in the same industry.
NWBI's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for NWBI so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 17.96% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-12.78%
PM growth 5Y-4.4%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
NWBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
NWBI has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, NWBI has more shares outstanding
The debt/assets ratio for NWBI is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of NWBI is 4.04, which is a neutral value as it means it would take NWBI, 4.04 years of fcf income to pay off all of its debts.
NWBI's Debt to FCF ratio of 4.04 is on the low side compared to the rest of the industry. NWBI is outperformed by 66.49% of its industry peers.
A Debt/Equity ratio of 0.13 indicates that NWBI is not too dependend on debt financing.
The Debt to Equity ratio of NWBI (0.13) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 4.04 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.68%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
NWBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.00%, which is quite impressive.
The Revenue has decreased by -0.95% in the past year.
NWBI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.59% yearly.
EPS 1Y (TTM)21%
EPS 3Y-0.63%
EPS 5Y0%
EPS Q2Q%11.54%
Revenue 1Y (TTM)-0.95%
Revenue growth 3Y-0.73%
Revenue growth 5Y2.59%
Sales Q2Q%22.17%
3.2 Future
Based on estimates for the next years, NWBI will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.95% on average per year.
The Revenue is expected to grow by 11.54% on average over the next years. This is quite good.
EPS Next Y22.46%
EPS Next 2Y13.53%
EPS Next 3Y10.95%
EPS Next 5YN/A
Revenue Next Year21.22%
Revenue Next 2Y14.95%
Revenue Next 3Y11.54%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
NWBI is valuated reasonably with a Price/Earnings ratio of 10.16.
80.93% of the companies in the same industry are more expensive than NWBI, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.59, NWBI is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.17, the valuation of NWBI can be described as very reasonable.
Based on the Price/Forward Earnings ratio, NWBI is valued a bit cheaper than the industry average as 74.74% of the companies are valued more expensively.
NWBI is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.03, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.16 | ||
| Fwd PE | 9.17 |
4.2 Price Multiples
78.87% of the companies in the same industry are cheaper than NWBI, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.65 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
NWBI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.45
PEG (5Y)N/A
EPS Next 2Y13.53%
EPS Next 3Y10.95%
5. Dividend
5.1 Amount
NWBI has a Yearly Dividend Yield of 6.26%, which is a nice return.
Compared to an average industry Dividend Yield of 2.74, NWBI pays a better dividend. On top of this NWBI pays more dividend than 93.56% of the companies listed in the same industry.
NWBI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.26% |
5.2 History
The dividend of NWBI has a limited annual growth rate of 1.97%.
NWBI has paid a dividend for at least 10 years, which is a reliable track record.
NWBI has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)1.97%
Div Incr Years0
Div Non Decr Years11
5.3 Sustainability
94.23% of the earnings are spent on dividend by NWBI. This is not a sustainable payout ratio.
The dividend of NWBI is growing, but earnings are growing more, so the dividend growth is sustainable.
DP94.23%
EPS Next 2Y13.53%
EPS Next 3Y10.95%
12.29
-0.06 (-0.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners70.15%
Inst Owner Change9.68%
Ins Owners0.9%
Ins Owner Change0.76%
Market Cap1.80B
Revenue(TTM)628.99M
Net Income(TTM)112.94M
Analysts72.31
Price Target13.77 (12.04%)
Short Float %3.45%
Short Ratio5.48
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.26% |
Yearly Dividend0.8
Dividend Growth(5Y)1.97%
DP94.23%
Div Incr Years0
Div Non Decr Years11
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.45%
Min EPS beat(2)-7.69%
Max EPS beat(2)6.8%
EPS beat(4)3
Avg EPS beat(4)11.15%
Min EPS beat(4)-7.69%
Max EPS beat(4)41.02%
EPS beat(8)5
Avg EPS beat(8)7.46%
EPS beat(12)6
Avg EPS beat(12)5.28%
EPS beat(16)9
Avg EPS beat(16)5.93%
Revenue beat(2)0
Avg Revenue beat(2)-0.43%
Min Revenue beat(2)-0.85%
Max Revenue beat(2)-0.01%
Revenue beat(4)1
Avg Revenue beat(4)2.62%
Min Revenue beat(4)-0.85%
Max Revenue beat(4)11.56%
Revenue beat(8)2
Avg Revenue beat(8)0.09%
Revenue beat(12)4
Avg Revenue beat(12)2.49%
Revenue beat(16)8
Avg Revenue beat(16)8.08%
PT rev (1m)-1.22%
PT rev (3m)0.93%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.26%
EPS NY rev (1m)-0.51%
EPS NY rev (3m)-1.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.66%
Revenue NY rev (1m)0.6%
Revenue NY rev (3m)0.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.16 | ||
| Fwd PE | 9.17 | ||
| P/S | 2.85 | ||
| P/FCF | 29.65 | ||
| P/OCF | 25.69 | ||
| P/B | 0.97 | ||
| P/tB | 1.31 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.21
EY9.85%
EPS(NY)1.34
Fwd EY10.91%
FCF(TTM)0.41
FCFY3.37%
OCF(TTM)0.48
OCFY3.89%
SpS4.31
BVpS12.7
TBVpS9.37
PEG (NY)0.45
PEG (5Y)N/A
Graham Number18.6
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.69% | ||
| ROE | 6.09% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 17.96% | ||
| GM | N/A | ||
| FCFM | 9.63% |
ROA(3y)0.86%
ROA(5y)0.84%
ROE(3y)7.96%
ROE(5y)7.7%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-12.78%
PM growth 5Y-4.4%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 4.04 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 184.84% | ||
| Cap/Sales | 1.48% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 53.63% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC14.68%
ROIC/WACCN/A
Cap/Depr(3y)37.65%
Cap/Depr(5y)127.96%
Cap/Sales(3y)0.94%
Cap/Sales(5y)1.69%
Profit Quality(3y)105.45%
Profit Quality(5y)121.85%
High Growth Momentum
Growth
EPS 1Y (TTM)21%
EPS 3Y-0.63%
EPS 5Y0%
EPS Q2Q%11.54%
EPS Next Y22.46%
EPS Next 2Y13.53%
EPS Next 3Y10.95%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.95%
Revenue growth 3Y-0.73%
Revenue growth 5Y2.59%
Sales Q2Q%22.17%
Revenue Next Year21.22%
Revenue Next 2Y14.95%
Revenue Next 3Y11.54%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-43.76%
FCF growth 3Y-12.64%
FCF growth 5Y1.46%
OCF growth 1Y-38.15%
OCF growth 3Y-14.67%
OCF growth 5Y0.03%
NORTHWEST BANCSHARES INC / NWBI FAQ
What is the ChartMill fundamental rating of NORTHWEST BANCSHARES INC (NWBI) stock?
ChartMill assigns a fundamental rating of 3 / 10 to NWBI.
What is the valuation status of NORTHWEST BANCSHARES INC (NWBI) stock?
ChartMill assigns a valuation rating of 5 / 10 to NORTHWEST BANCSHARES INC (NWBI). This can be considered as Fairly Valued.
What is the profitability of NWBI stock?
NORTHWEST BANCSHARES INC (NWBI) has a profitability rating of 2 / 10.
What are the PE and PB ratios of NORTHWEST BANCSHARES INC (NWBI) stock?
The Price/Earnings (PE) ratio for NORTHWEST BANCSHARES INC (NWBI) is 10.16 and the Price/Book (PB) ratio is 0.97.
What is the earnings growth outlook for NORTHWEST BANCSHARES INC?
The Earnings per Share (EPS) of NORTHWEST BANCSHARES INC (NWBI) is expected to grow by 22.46% in the next year.