NORTHWEST BANCSHARES INC (NWBI) Fundamental Analysis & Valuation

NASDAQ:NWBI • US6673401039

Current stock price

12.93 USD
+0.04 (+0.31%)
At close:
12.93 USD
0 (0%)
After Hours:

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

  • In the past year NWBI was profitable.
  • In the past year NWBI had a positive cash flow from operations.
  • NWBI had positive earnings in each of the past 5 years.
  • 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

  • NWBI has a worse Return On Assets (0.75%) than 67.89% of its industry peers.
  • NWBI's Return On Equity of 6.66% is on the low side compared to the rest of the industry. NWBI is outperformed by 72.63% of its industry peers.
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

  • With a Profit Margin value of 19.23%, NWBI is not doing good in the industry: 73.16% of the companies in the same industry are doing better.
  • NWBI's Profit Margin has improved in the last couple of years.
  • NWBI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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.
  • The number of shares outstanding for NWBI has been increased compared to 1 year ago.
  • NWBI has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for NWBI has been reduced compared to a year ago.
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.
  • Looking at the Debt to FCF ratio, with a value of 1.73, NWBI is in line with its industry, outperforming 52.89% of the companies in the same industry.
  • NWBI has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
  • NWBI's Debt to Equity ratio of 0.13 is in line compared to the rest of the industry. NWBI outperforms 59.47% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.73
Altman-Z N/A
ROIC/WACCN/A
WACC13.98%
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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5

3. NWBI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 22.12% over the past year.
  • NWBI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.13% yearly.
  • The Revenue has been growing slightly by 0.13% in the past year.
  • Measured over the past years, NWBI shows a small growth in Revenue. The Revenue has been growing by 4.55% on average per year.
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

  • Based on estimates for the next years, NWBI will show a small growth in Earnings Per Share. The EPS will grow by 6.69% on average per year.
  • Based on estimates for the next years, NWBI will show a quite strong growth in Revenue. The Revenue will grow by 11.55% on average per year.
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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4

4. NWBI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.18, the valuation of NWBI can be described as reasonable.
  • 77.37% of the companies in the same industry are more expensive than NWBI, based on the Price/Earnings ratio.
  • NWBI is valuated cheaply when we compare the Price/Earnings ratio to 25.60, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 9.74, the valuation of NWBI can be described as reasonable.
  • 61.84% 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 22.84. NWBI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.18
Fwd PE 9.74
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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as NWBI.
Industry RankSector Rank
P/FCF 13.33
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)2.23
PEG (5Y)1.43
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

  • NWBI has a Yearly Dividend Yield of 6.35%, which is a nice return.
  • NWBI's Dividend Yield is rather good when compared to the industry average which is at 2.66. NWBI pays more dividend than 98.42% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.88, NWBI pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.35%

5.2 History

  • The dividend of NWBI has a limited annual growth rate of 0.19%.
  • NWBI has been paying a dividend for at least 10 years, so it has a reliable track record.
  • NWBI has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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.
  • The dividend of NWBI is growing, but earnings are growing more, so the dividend growth is 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 (4/2/2026, 8:00:02 PM)

After market: 12.93 0 (0%)

12.93

+0.04 (+0.31%)

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 Change4.34%
Market Cap1.89B
Revenue(TTM)654.67M
Net Income(TTM)125.91M
Analysts71.43
Price Target14.13 (9.28%)
Short Float %4.5%
Short Ratio4.67
Dividend
Industry RankSector Rank
Dividend Yield 6.35%
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)1.04%
PT rev (3m)3.19%
EPS NQ rev (1m)-1.23%
EPS NQ rev (3m)-2.63%
EPS NY rev (1m)0.64%
EPS NY rev (3m)-0.58%
Revenue NQ rev (1m)0.74%
Revenue NQ rev (3m)8.32%
Revenue NY rev (1m)0.83%
Revenue NY rev (3m)8.68%
Valuation
Industry RankSector Rank
PE 10.18
Fwd PE 9.74
P/S 2.89
P/FCF 13.33
P/OCF 12.32
P/B 1
P/tB 1.34
EV/EBITDA N/A
EPS(TTM)1.27
EY9.82%
EPS(NY)1.33
Fwd EY10.27%
FCF(TTM)0.97
FCFY7.5%
OCF(TTM)1.05
OCFY8.12%
SpS4.48
BVpS12.94
TBVpS9.62
PEG (NY)2.23
PEG (5Y)1.43
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
WACC13.98%
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.


How profitable is NORTHWEST BANCSHARES INC (NWBI) stock?

NORTHWEST BANCSHARES INC (NWBI) has a profitability rating of 3 / 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 10.18 and the Price/Book (PB) ratio is 1.


Can you provide the dividend sustainability for NWBI stock?

The dividend rating of NORTHWEST BANCSHARES INC (NWBI) is 8 / 10 and the dividend payout ratio is 87.29%.