NORTHWEST BANCSHARES INC (NWBI) Stock Fundamental Analysis
NASDAQ:NWBI - US6673401039 - Common Stock
12.64 USD
+0.61 (+5.07%)
12.64 USD
0 (0%)
Taking everything into account, NWBI scores 4 out of 10 in our fundamental rating. NWBI was compared to 393 industry peers in the Banks industry. Both the profitability and financial health of NWBI have multiple concerns. NWBI has a decent growth rate and is not valued too expensively. Finally NWBI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year NWBI was profitable.
NWBI had a positive operating cash flow in the past year.
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
With a decent Return On Assets value of 0.99%, NWBI is doing good in the industry, outperforming 64.12% of the companies in the same industry.
With a Return On Equity value of 8.73%, NWBI perfoms like the industry average, outperforming 53.44% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.99% | ||
| ROE | 8.73% | ||
| 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 23.89%. This is comparable to the rest of the industry: NWBI outperforms 51.65% of its industry peers.
NWBI's Profit Margin has declined 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 23.89% | ||
| 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.
Compared to 1 year ago, NWBI has more shares outstanding
The number of shares outstanding for NWBI has been increased compared to 5 years ago.
The debt/assets ratio for NWBI is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of NWBI is 2.11, which is a good value as it means it would take NWBI, 2.11 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 2.11, NWBI perfoms like the industry average, outperforming 48.35% of the companies in the same industry.
A Debt/Equity ratio of 0.15 indicates that NWBI is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.15, NWBI is in line with its industry, outperforming 56.49% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 2.11 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.63%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 12.38% over the past year.
The Revenue has decreased by -5.54% in the past year.
The Revenue has been growing slightly by 2.59% on average over the past years.
EPS 1Y (TTM)12.38%
EPS 3Y-0.63%
EPS 5Y0%
EPS Q2Q%11.11%
Revenue 1Y (TTM)-5.54%
Revenue growth 3Y-0.73%
Revenue growth 5Y2.59%
Sales Q2Q%11.8%
3.2 Future
The Earnings Per Share is expected to grow by 14.18% on average over the next years. This is quite good.
The Revenue is expected to grow by 16.16% on average over the next years. This is quite good.
EPS Next Y21.09%
EPS Next 2Y14.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.68%
Revenue Next 2Y16.16%
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.
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
NWBI is valuated reasonably with a Price/Earnings ratio of 10.71.
Based on the Price/Earnings ratio, NWBI is valued a bit cheaper than 77.10% of the companies in the same industry.
When comparing the Price/Earnings ratio of NWBI to the average of the S&P500 Index (27.24), we can say NWBI is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.32, the valuation of NWBI can be described as reasonable.
Based on the Price/Forward Earnings ratio, NWBI is valued a bit cheaper than 72.01% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.82. NWBI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.71 | ||
| Fwd PE | 9.32 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as NWBI.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.19 | ||
| 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.
NWBI's earnings are expected to grow with 14.18% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.51
PEG (5Y)N/A
EPS Next 2Y14.18%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.57%, NWBI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.41, NWBI pays a better dividend. On top of this NWBI pays more dividend than 93.89% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, NWBI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.57% |
5.2 History
The dividend of NWBI has a limited annual growth rate of 1.97%.
NWBI has been paying a dividend for at least 10 years, so it has 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
NWBI pays out 71.27% 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.
DP71.27%
EPS Next 2Y14.18%
EPS Next 3YN/A
12.64
+0.61 (+5.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners61.94%
Inst Owner Change1.85%
Ins Owners0.94%
Ins Owner Change9.3%
Market Cap1.88B
Analysts50
Price Target13.77 (8.94%)
Short Float %3.3%
Short Ratio4.4
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.57% |
Yearly Dividend0.8
Dividend Growth(5Y)1.97%
DP71.27%
Div Incr Years0
Div Non Decr Years11
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)23.91%
Min EPS beat(2)6.8%
Max EPS beat(2)41.02%
EPS beat(4)3
Avg EPS beat(4)12.74%
Min EPS beat(4)-1.33%
Max EPS beat(4)41.02%
EPS beat(8)6
Avg EPS beat(8)11.54%
EPS beat(12)6
Avg EPS beat(12)5.8%
EPS beat(16)10
Avg EPS beat(16)7.66%
Revenue beat(2)1
Avg Revenue beat(2)5.36%
Min Revenue beat(2)-0.85%
Max Revenue beat(2)11.56%
Revenue beat(4)1
Avg Revenue beat(4)2.48%
Min Revenue beat(4)-0.85%
Max Revenue beat(4)11.56%
Revenue beat(8)2
Avg Revenue beat(8)-0.46%
Revenue beat(12)5
Avg Revenue beat(12)4.6%
Revenue beat(16)9
Avg Revenue beat(16)9.84%
PT rev (1m)0.93%
PT rev (3m)0.93%
EPS NQ rev (1m)3.73%
EPS NQ rev (3m)13.86%
EPS NY rev (1m)0%
EPS NY rev (3m)0.49%
Revenue NQ rev (1m)0.09%
Revenue NQ rev (3m)4.39%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.71 | ||
| Fwd PE | 9.32 | ||
| P/S | 3.13 | ||
| P/FCF | 16.19 | ||
| P/OCF | 15.42 | ||
| P/B | 1.14 | ||
| P/tB | 1.49 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.18
EY9.34%
EPS(NY)1.36
Fwd EY10.73%
FCF(TTM)0.78
FCFY6.18%
OCF(TTM)0.82
OCFY6.48%
SpS4.04
BVpS11.07
TBVpS8.49
PEG (NY)0.51
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.99% | ||
| ROE | 8.73% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.89% | ||
| GM | N/A | ||
| FCFM | 19.31% |
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 Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 2.11 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 48% | ||
| Cap/Sales | 0.96% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 80.8% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC14.63%
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)12.38%
EPS 3Y-0.63%
EPS 5Y0%
EPS Q2Q%11.11%
EPS Next Y21.09%
EPS Next 2Y14.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-5.54%
Revenue growth 3Y-0.73%
Revenue growth 5Y2.59%
Sales Q2Q%11.8%
Revenue Next Year20.68%
Revenue Next 2Y16.16%
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-40.85%
FCF growth 3Y-12.64%
FCF growth 5Y1.46%
OCF growth 1Y-39.63%
OCF growth 3Y-14.67%
OCF growth 5Y0.03%