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NORTHWEST BANCSHARES INC (NWBI) Stock Fundamental Analysis

NASDAQ:NWBI - Nasdaq - US6673401039 - Common Stock - Currency: USD

12.31  -0.33 (-2.61%)

After market: 12.31 0 (0%)

Fundamental Rating

4

Taking everything into account, NWBI scores 4 out of 10 in our fundamental rating. NWBI was compared to 396 industry peers in the Banks industry. Both the profitability and financial health of NWBI have multiple concerns. NWBI is not valued too expensively and it also shows a decent growth rate. NWBI also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

NWBI had positive earnings in the past year.
NWBI had a positive operating cash flow in the past year.
NWBI had positive earnings in each of the past 5 years.
Each year in the past 5 years NWBI had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

1.2 Ratios

The Return On Assets of NWBI (0.99%) is better than 65.40% of its industry peers.
NWBI has a Return On Equity (8.81%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.99%
ROE 8.81%
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
NWBI Yearly ROA, ROE, ROICNWBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

With a Profit Margin value of 21.15%, NWBI is not doing good in the industry: 60.86% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of NWBI has declined.
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) 21.15%
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
NWBI Yearly Profit, Operating, Gross MarginsNWBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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2

2. Health

2.1 Basic Checks

NWBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for NWBI has been increased compared to 1 year ago.
Compared to 5 years ago, NWBI has more shares outstanding
NWBI has a worse debt/assets ratio than last year.
NWBI Yearly Shares OutstandingNWBI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
NWBI Yearly Total Debt VS Total AssetsNWBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B

2.2 Solvency

The Debt to FCF ratio of NWBI is 1.47, which is an excellent value as it means it would take NWBI, only 1.47 years of fcf income to pay off all of its debts.
NWBI has a Debt to FCF ratio of 1.47. This is in the better half of the industry: NWBI outperforms 60.86% of its industry peers.
NWBI has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.15, NWBI is in line with its industry, outperforming 57.07% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.47
Altman-Z N/A
ROIC/WACCN/A
WACC15.55%
NWBI Yearly LT Debt VS Equity VS FCFNWBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 10.58% over the past year.
The Revenue has grown by 24.71% in the past year. This is a very strong growth!
Measured over the past years, NWBI shows a small growth in Revenue. The Revenue has been growing by 2.59% on average per year.
EPS 1Y (TTM)10.58%
EPS 3Y-0.63%
EPS 5Y0%
EPS Q2Q%45.83%
Revenue 1Y (TTM)24.71%
Revenue growth 3Y-0.73%
Revenue growth 5Y2.59%
Sales Q2Q%23.81%

3.2 Future

The Earnings Per Share is expected to grow by 14.26% on average over the next years. This is quite good.
The Revenue is expected to grow by 15.95% on average over the next years. This is quite good.
EPS Next Y20.5%
EPS Next 2Y14.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.61%
Revenue Next 2Y15.95%
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 accelerating.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M 500M
NWBI Yearly EPS VS EstimatesNWBI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

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6

4. Valuation

4.1 Price/Earnings Ratio

NWBI is valuated reasonably with a Price/Earnings ratio of 10.70.
Based on the Price/Earnings ratio, NWBI is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of NWBI to the average of the S&P500 Index (26.03), we can say NWBI is valued rather cheaply.
The Price/Forward Earnings ratio is 9.07, which indicates a very decent valuation of NWBI.
NWBI's Price/Forward Earnings is on the same level as the industry average.
NWBI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.94.
Industry RankSector Rank
PE 10.7
Fwd PE 9.07
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of NWBI indicates a somewhat cheap valuation: NWBI is cheaper than 63.38% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.48
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as NWBI's earnings are expected to grow with 14.26% in the coming years.
PEG (NY)0.52
PEG (5Y)N/A
EPS Next 2Y14.26%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

NWBI has a Yearly Dividend Yield of 6.31%, which is a nice return.
NWBI's Dividend Yield is rather good when compared to the industry average which is at 3.34. NWBI pays more dividend than 94.44% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, NWBI pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.31%

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
NWBI Yearly Dividends per shareNWBI Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

NWBI pays out 71.01% 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.
DP71.01%
EPS Next 2Y14.26%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
NWBI Dividend Payout.NWBI Dividend Payout, showing the Payout Ratio.NWBI Dividend Payout.PayoutRetained Earnings

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NORTHWEST BANCSHARES INC

NASDAQ:NWBI (5/21/2025, 8:22:31 PM)

After market: 12.31 0 (0%)

12.31

-0.33 (-2.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-28 2025-04-28/amc
Earnings (Next)07-21 2025-07-21/bmo
Inst Owners70.72%
Inst Owner Change2.46%
Ins Owners1.18%
Ins Owner Change10.47%
Market Cap1.57B
Analysts48
Price Target13.64 (10.8%)
Short Float %2.89%
Short Ratio4.21
Dividend
Industry RankSector Rank
Dividend Yield 6.31%
Yearly Dividend0.8
Dividend Growth(5Y)1.97%
DP71.01%
Div Incr Years0
Div Non Decr Years11
Ex-Date05-08 2025-05-08 (0.2)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)22.75%
Min EPS beat(2)4.49%
Max EPS beat(2)41.02%
EPS beat(4)3
Avg EPS beat(4)15.9%
Min EPS beat(4)-1.33%
Max EPS beat(4)41.02%
EPS beat(8)5
Avg EPS beat(8)10.36%
EPS beat(12)6
Avg EPS beat(12)6.56%
EPS beat(16)9
Avg EPS beat(16)6.14%
Revenue beat(2)1
Avg Revenue beat(2)5.67%
Min Revenue beat(2)-0.23%
Max Revenue beat(2)11.56%
Revenue beat(4)2
Avg Revenue beat(4)2.77%
Min Revenue beat(4)-0.55%
Max Revenue beat(4)11.56%
Revenue beat(8)2
Avg Revenue beat(8)-0.82%
Revenue beat(12)6
Avg Revenue beat(12)7.4%
Revenue beat(16)10
Avg Revenue beat(16)12.8%
PT rev (1m)-1.83%
PT rev (3m)-6.96%
EPS NQ rev (1m)10.1%
EPS NQ rev (3m)10.84%
EPS NY rev (1m)14.82%
EPS NY rev (3m)15%
Revenue NQ rev (1m)3.24%
Revenue NQ rev (3m)3.43%
Revenue NY rev (1m)5.59%
Revenue NY rev (3m)5.62%
Valuation
Industry RankSector Rank
PE 10.7
Fwd PE 9.07
P/S 2.32
P/FCF 9.48
P/OCF 9.55
P/B 0.97
P/tB 1.26
EV/EBITDA N/A
EPS(TTM)1.15
EY9.34%
EPS(NY)1.36
Fwd EY11.03%
FCF(TTM)1.3
FCFY10.55%
OCF(TTM)1.29
OCFY10.47%
SpS5.31
BVpS12.75
TBVpS9.75
PEG (NY)0.52
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.99%
ROE 8.81%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.15%
GM N/A
FCFM 24.44%
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
ROICexcg growth 3YN/A
ROICexcg 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 Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.47
Debt/EBITDA N/A
Cap/Depr 7.76%
Cap/Sales 0.2%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 115.58%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC15.55%
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)10.58%
EPS 3Y-0.63%
EPS 5Y0%
EPS Q2Q%45.83%
EPS Next Y20.5%
EPS Next 2Y14.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)24.71%
Revenue growth 3Y-0.73%
Revenue growth 5Y2.59%
Sales Q2Q%23.81%
Revenue Next Year20.61%
Revenue Next 2Y15.95%
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 1Y-25.73%
FCF growth 3Y-12.64%
FCF growth 5Y1.46%
OCF growth 1Y-27.72%
OCF growth 3Y-14.67%
OCF growth 5Y0.03%