11.96 USD
-0.08 (-0.66%)
11.96 USD
0 (0%)
Taking everything into account, NWBI scores 3 out of 10 in our fundamental rating. NWBI was compared to 387 industry peers in the Banks industry. NWBI has a bad profitability rating. Also its financial health evaluation is rather negative. NWBI is not valued too expensively and it also shows a decent growth rate. NWBI also has an excellent dividend rating.
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.
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.
1.2 Ratios
With a Return On Assets value of 0.69%, NWBI is not doing good in the industry: 65.37% of the companies in the same industry are doing better.
NWBI has a Return On Equity of 6.09%. This is in the lower half of the industry: NWBI underperforms 72.35% 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
NWBI has a Profit Margin of 17.96%. This is in the lower half of the industry: NWBI underperforms 71.06% of its industry peers.
In the last couple of years the Profit Margin of NWBI has declined.
NWBI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
The number of shares outstanding for NWBI has been increased compared to 1 year ago.
The number of shares outstanding for NWBI has been increased compared to 5 years ago.
Compared to 1 year ago, NWBI has a worse debt to assets ratio.
2.2 Solvency
NWBI has a debt to FCF ratio of 4.04. This is a neutral value as NWBI would need 4.04 years to pay back of 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 65.37% of 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 of 0.13. This is comparable to the rest of the industry: NWBI outperforms 59.17% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 4.04 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.71%
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.
NWBI shows a decrease in Revenue. In the last year, the revenue decreased by -0.95%.
The Revenue has been growing slightly by 2.59% on average over the past years.
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 10.08% on average per year.
NWBI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.19% yearly.
EPS Next Y23.09%
EPS Next 2Y13.84%
EPS Next 3Y10.08%
EPS Next 5YN/A
Revenue Next Year20.49%
Revenue Next 2Y17.15%
Revenue Next 3Y15.19%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 9.88, the valuation of NWBI can be described as reasonable.
NWBI's Price/Earnings ratio is a bit cheaper when compared to the industry. NWBI is cheaper than 77.00% of the companies in the same industry.
NWBI is valuated cheaply when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.87, which indicates a very decent valuation of NWBI.
70.54% of the companies in the same industry are more expensive than NWBI, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 36.59. NWBI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.88 | ||
| Fwd PE | 8.87 |
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 77.52% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 28.87 | ||
| 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)0.43
PEG (5Y)N/A
EPS Next 2Y13.84%
EPS Next 3Y10.08%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.08%, NWBI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.33, NWBI pays a better dividend. On top of this NWBI pays more dividend than 96.64% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, NWBI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.08% |
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.
NWBI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP94.23%
EPS Next 2Y13.84%
EPS Next 3Y10.08%
11.96
-0.08 (-0.66%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners64.11%
Inst Owner Change9.68%
Ins Owners0.88%
Ins Owner Change1.17%
Market Cap1.75B
Revenue(TTM)628.99M
Net Income(TTM)112.94M
Analysts72.31
Price Target13.77 (15.13%)
Short Float %3.17%
Short Ratio5.26
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.08% |
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)0.93%
PT rev (3m)0.93%
EPS NQ rev (1m)-0.99%
EPS NQ rev (3m)-1.26%
EPS NY rev (1m)-0.85%
EPS NY rev (3m)-1.18%
Revenue NQ rev (1m)0.29%
Revenue NQ rev (3m)-0.33%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)-0.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.88 | ||
| Fwd PE | 8.87 | ||
| P/S | 2.78 | ||
| P/FCF | 28.87 | ||
| P/OCF | 25.02 | ||
| P/B | 0.94 | ||
| P/tB | 1.28 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.21
EY10.12%
EPS(NY)1.35
Fwd EY11.27%
FCF(TTM)0.41
FCFY3.46%
OCF(TTM)0.48
OCFY4%
SpS4.3
BVpS12.69
TBVpS9.37
PEG (NY)0.43
PEG (5Y)N/A
Graham Number18.59
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
WACC14.71%
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 Y23.09%
EPS Next 2Y13.84%
EPS Next 3Y10.08%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.95%
Revenue growth 3Y-0.73%
Revenue growth 5Y2.59%
Sales Q2Q%22.17%
Revenue Next Year20.49%
Revenue Next 2Y17.15%
Revenue Next 3Y15.19%
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 9.88 and the Price/Book (PB) ratio is 0.94.
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 23.09% in the next year.