NORTHWEST BANCSHARES INC (NWBI)
US6673401039 - Common Stock
NWBI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 411 industry peers in the Banks industry. NWBI has a bad profitability rating. Also its financial health evaluation is rather negative. NWBI does not seem to be growing, but still is valued expensively. NWBI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year NWBI was profitable.
In the past year NWBI had a positive cash flow from operations.
In the past 5 years NWBI has always been profitable.
Each year in the past 5 years NWBI had a positive operating cash flow.
1.2 Ratios
NWBI has a Return On Assets (0.90%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 8.38%, NWBI is in line with its industry, outperforming 43.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 8.38% | ||
| ROIC | N/A |
ROA(3y)0.98%
ROA(5y)0.91%
ROE(3y)9.12%
ROE(5y)8.07%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
NWBI has a Profit Margin (23.91%) which is in line with its industry peers.
In the last couple of years the Profit Margin of NWBI has remained more or less at the same level.
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) | 23.91% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y19.67%
PM growth 5Y-0.02%
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 about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, NWBI has more shares outstanding
Compared to 1 year ago, NWBI has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of NWBI is 2.04, which is a good value as it means it would take NWBI, 2.04 years of fcf income to pay off all of its debts.
NWBI has a Debt to FCF ratio of 2.04. This is comparable to the rest of the industry: NWBI outperforms 57.91% of its industry peers.
A Debt/Equity ratio of 0.16 indicates that NWBI is not too dependend on debt financing.
The Debt to Equity ratio of NWBI (0.16) is better than 64.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 2.04 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.47%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for NWBI have decreased by -4.63% in the last year.
NWBI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.77% yearly.
Looking at the last year, NWBI shows a decrease in Revenue. The Revenue has decreased by -1.33% in the last year.
Measured over the past years, NWBI shows a small growth in Revenue. The Revenue has been growing by 5.01% on average per year.
EPS 1Y (TTM)-4.63%
EPS 3Y5.61%
EPS 5Y0.77%
EPS growth Q2Q-11.54%
Revenue 1Y (TTM)-1.33%
Revenue growth 3Y1.6%
Revenue growth 5Y5.01%
Revenue growth Q2Q-3.88%
3.2 Future
Based on estimates for the next years, NWBI will show a decrease in Earnings Per Share. The EPS will decrease by -0.69% on average per year.
The Revenue is expected to grow by 5.59% on average over the next years.
EPS Next Y-10.35%
EPS Next 2Y-0.69%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.89%
Revenue Next 2Y5.59%
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 decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.07, which indicates a very decent valuation of NWBI.
The rest of the industry has a similar Price/Earnings ratio as NWBI.
NWBI is valuated cheaply when we compare the Price/Earnings ratio to 28.15, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 10.90, which indicates a very decent valuation of NWBI.
NWBI's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of NWBI to the average of the S&P500 Index (20.20), we can say NWBI is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.07 | ||
| Fwd PE | 10.9 |
4.2 Price Multiples
NWBI's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. NWBI is more expensive than 64.48% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.11 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)14.33
EPS Next 2Y-0.69%
EPS Next 3YN/A
5. Dividend
5.1 Amount
NWBI has a Yearly Dividend Yield of 7.16%, which is a nice return.
NWBI's Dividend Yield is rather good when compared to the industry average which is at 3.69. NWBI pays more dividend than 96.84% of the companies in the same industry.
NWBI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.16% |
5.2 History
The dividend of NWBI has a limited annual growth rate of 3.25%.
NWBI has been paying a dividend for at least 10 years, so it has a reliable track record.
As NWBI did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)3.25%
Div Incr Years0
Div Non Decr Years8
5.3 Sustainability
78.15% of the earnings are spent on dividend by NWBI. This is not a sustainable payout ratio.
The Dividend Rate of NWBI has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP78.15%
EPS Next 2Y-0.69%
EPS Next 3YN/A
NORTHWEST BANCSHARES INC
NASDAQ:NWBI (5/17/2024, 7:17:04 PM)
After market: 11.4 0 (0%)11.4
+0.07 (+0.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.45B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.16% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.07 | ||
| Fwd PE | 10.9 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)14.33
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 8.38% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 23.91% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-4.63%
EPS 3Y5.61%
EPS 5Y
EPS growth Q2Q
EPS Next Y-10.35%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-1.33%
Revenue growth 3Y1.6%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y