NORTHWEST BANCSHARES INC (NWBI) Fundamental Analysis & Valuation

NASDAQ:NWBI • US6673401039

Current stock price

12.11 USD
-0.02 (-0.16%)
Last:

This NWBI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. NWBI Profitability Analysis

1.1 Basic Checks

  • NWBI had positive earnings in the past year.
  • NWBI had a positive operating cash flow in the past year.
  • Each year in the past 5 years NWBI has been profitable.
  • In the past 5 years NWBI always reported a positive cash flow from operatings.
NWBI Yearly Net Income VS EBIT VS OCF VS FCFNWBI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

1.2 Ratios

  • With a Return On Assets value of 0.75%, NWBI is not doing good in the industry: 65.09% of the companies in the same industry are doing better.
  • With a Return On Equity value of 6.66%, NWBI is not doing good in the industry: 71.65% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.75%
ROE 6.66%
ROIC N/A
ROA(3y)0.79%
ROA(5y)0.88%
ROE(3y)7.2%
ROE(5y)8.06%
ROIC(3y)N/A
ROIC(5y)N/A
NWBI Yearly ROA, ROE, ROICNWBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • The Profit Margin of NWBI (19.23%) is worse than 71.92% of its industry peers.
  • NWBI's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for NWBI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 19.23%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.41%
PM growth 5Y6.12%
GM growth 3YN/A
GM growth 5YN/A
NWBI Yearly Profit, Operating, Gross MarginsNWBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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2

2. NWBI Health Analysis

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.
  • NWBI has more shares outstanding than it did 5 years ago.
  • NWBI has a better debt/assets ratio than last year.
NWBI Yearly Shares OutstandingNWBI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M
NWBI Yearly Total Debt VS Total AssetsNWBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.2 Solvency

  • The Debt to FCF ratio of NWBI is 1.73, which is an excellent value as it means it would take NWBI, only 1.73 years of fcf income to pay off all of its debts.
  • NWBI has a Debt to FCF ratio (1.73) which is in line with its industry peers.
  • A Debt/Equity ratio of 0.13 indicates that NWBI is not too dependend on debt financing.
  • NWBI has a Debt to Equity ratio (0.13) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.73
Altman-Z N/A
ROIC/WACCN/A
WACC14.14%
NWBI Yearly LT Debt VS Equity VS FCFNWBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
NWBI Yearly Current Assets VS Current LiabilitesNWBI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. NWBI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 22.12% over the past year.
  • The Earnings Per Share has been growing slightly by 7.13% on average over the past years.
  • NWBI shows a small growth in Revenue. In the last year, the Revenue has grown by 0.13%.
  • NWBI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.55% yearly.
EPS 1Y (TTM)22.12%
EPS 3Y6.89%
EPS 5Y7.13%
EPS Q2Q%22.22%
Revenue 1Y (TTM)0.13%
Revenue growth 3Y7.19%
Revenue growth 5Y4.55%
Sales Q2Q%24.49%

3.2 Future

  • The Earnings Per Share is expected to grow by 6.69% on average over the next years.
  • The Revenue is expected to grow by 11.55% on average over the next years. This is quite good.
EPS Next Y4.57%
EPS Next 2Y6.69%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year18.44%
Revenue Next 2Y11.55%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
NWBI Yearly Revenue VS EstimatesNWBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
NWBI Yearly EPS VS EstimatesNWBI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1

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5

4. NWBI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.54 indicates a reasonable valuation of NWBI.
  • 80.31% of the companies in the same industry are more expensive than NWBI, based on the Price/Earnings ratio.
  • NWBI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.11.
  • With a Price/Forward Earnings ratio of 9.12, the valuation of NWBI can be described as very reasonable.
  • 67.72% of the companies in the same industry are more expensive than NWBI, based on the Price/Forward Earnings ratio.
  • NWBI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.12.
Industry RankSector Rank
PE 9.54
Fwd PE 9.12
NWBI Price Earnings VS Forward Price EarningsNWBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • NWBI's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 12.48
EV/EBITDA N/A
NWBI Per share dataNWBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates NWBI does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.09
PEG (5Y)1.34
EPS Next 2Y6.69%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. NWBI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.53%, NWBI is a good candidate for dividend investing.
  • NWBI's Dividend Yield is rather good when compared to the industry average which is at 2.90. NWBI pays more dividend than 96.59% of the companies in the same industry.
  • NWBI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 6.53%

5.2 History

  • The dividend of NWBI has a limited annual growth rate of 0.19%.
  • 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)0.19%
Div Incr Years0
Div Non Decr Years11
NWBI Yearly Dividends per shareNWBI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • NWBI pays out 87.29% of its income as dividend. This is not a sustainable payout ratio.
  • NWBI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP87.29%
EPS Next 2Y6.69%
EPS Next 3YN/A
NWBI Yearly Income VS Free CF VS DividendNWBI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
NWBI Dividend Payout.NWBI Dividend Payout, showing the Payout Ratio.NWBI Dividend Payout.PayoutRetained Earnings

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NWBI Fundamentals: All Metrics, Ratios and Statistics

NORTHWEST BANCSHARES INC

NASDAQ:NWBI (3/18/2026, 1:05:55 PM)

12.11

-0.02 (-0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-27
Inst Owners69%
Inst Owner Change-0.89%
Ins Owners0.88%
Ins Owner Change0.06%
Market Cap1.77B
Revenue(TTM)654.67M
Net Income(TTM)125.91M
Analysts71.43
Price Target13.99 (15.52%)
Short Float %4.24%
Short Ratio5.85
Dividend
Industry RankSector Rank
Dividend Yield 6.53%
Yearly Dividend0.8
Dividend Growth(5Y)0.19%
DP87.29%
Div Incr Years0
Div Non Decr Years11
Ex-Date02-05
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.39%
Min EPS beat(2)-7.69%
Max EPS beat(2)4.91%
EPS beat(4)3
Avg EPS beat(4)11.26%
Min EPS beat(4)-7.69%
Max EPS beat(4)41.02%
EPS beat(8)6
Avg EPS beat(8)8.83%
EPS beat(12)7
Avg EPS beat(12)6.98%
EPS beat(16)9
Avg EPS beat(16)5.69%
Revenue beat(2)0
Avg Revenue beat(2)-0.89%
Min Revenue beat(2)-1.76%
Max Revenue beat(2)-0.01%
Revenue beat(4)1
Avg Revenue beat(4)2.23%
Min Revenue beat(4)-1.76%
Max Revenue beat(4)11.56%
Revenue beat(8)2
Avg Revenue beat(8)0.1%
Revenue beat(12)3
Avg Revenue beat(12)0.44%
Revenue beat(16)7
Avg Revenue beat(16)6.54%
PT rev (1m)0.96%
PT rev (3m)1.59%
EPS NQ rev (1m)-1.42%
EPS NQ rev (3m)-3.99%
EPS NY rev (1m)0.64%
EPS NY rev (3m)-0.94%
Revenue NQ rev (1m)0.74%
Revenue NQ rev (3m)8.32%
Revenue NY rev (1m)3.46%
Revenue NY rev (3m)8.68%
Valuation
Industry RankSector Rank
PE 9.54
Fwd PE 9.12
P/S 2.7
P/FCF 12.48
P/OCF 11.54
P/B 0.94
P/tB 1.26
EV/EBITDA N/A
EPS(TTM)1.27
EY10.49%
EPS(NY)1.33
Fwd EY10.97%
FCF(TTM)0.97
FCFY8.01%
OCF(TTM)1.05
OCFY8.67%
SpS4.48
BVpS12.94
TBVpS9.62
PEG (NY)2.09
PEG (5Y)1.34
Graham Number19.23
Profitability
Industry RankSector Rank
ROA 0.75%
ROE 6.66%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.23%
GM N/A
FCFM 21.66%
ROA(3y)0.79%
ROA(5y)0.88%
ROE(3y)7.2%
ROE(5y)8.06%
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-8.41%
PM growth 5Y6.12%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.73
Debt/EBITDA N/A
Cap/Depr 8551.47%
Cap/Sales 1.78%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 112.61%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC14.14%
ROIC/WACCN/A
Cap/Depr(3y)2865.75%
Cap/Depr(5y)1785.92%
Cap/Sales(3y)1.26%
Cap/Sales(5y)1.57%
Profit Quality(3y)100.13%
Profit Quality(5y)110.16%
High Growth Momentum
Growth
EPS 1Y (TTM)22.12%
EPS 3Y6.89%
EPS 5Y7.13%
EPS Q2Q%22.22%
EPS Next Y4.57%
EPS Next 2Y6.69%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.13%
Revenue growth 3Y7.19%
Revenue growth 5Y4.55%
Sales Q2Q%24.49%
Revenue Next Year18.44%
Revenue Next 2Y11.55%
Revenue Next 3YN/A
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 1Y13.1%
FCF growth 3Y-6.07%
FCF growth 5Y2.05%
OCF growth 1Y20.17%
OCF growth 3Y-4.37%
OCF growth 5Y1.79%

NORTHWEST BANCSHARES INC / NWBI Fundamental Analysis FAQ

What is the ChartMill fundamental rating of NORTHWEST BANCSHARES INC (NWBI) stock?

ChartMill assigns a fundamental rating of 4 / 10 to NWBI.


Can you provide the valuation status for NORTHWEST BANCSHARES INC?

ChartMill assigns a valuation rating of 4 / 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 3 / 10.


What is the valuation of NORTHWEST BANCSHARES INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for NORTHWEST BANCSHARES INC (NWBI) is 9.54 and the Price/Book (PB) ratio is 0.94.


Can you provide the expected EPS growth for NWBI stock?

The Earnings per Share (EPS) of NORTHWEST BANCSHARES INC (NWBI) is expected to grow by 4.57% in the next year.