NORTHWEST BANCSHARES INC (NWBI) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:NWBI • US6673401039

13.22 USD
+0.18 (+1.38%)
At close: Feb 3, 2026
13.21 USD
-0.01 (-0.08%)
After Hours: 2/3/2026, 8:00:02 PM
Fundamental Rating

3

Overall NWBI gets a fundamental rating of 3 out of 10. We evaluated NWBI against 383 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.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year NWBI was profitable.
  • NWBI had a positive operating cash flow in the past year.
  • NWBI had positive earnings in 4 of the past 5 years.
  • NWBI had a positive operating cash flow in 4 of the past 5 years.
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 50M 100M 150M 200M

1.2 Ratios

  • The Return On Assets of NWBI (0.69%) is worse than 66.84% of its industry peers.
  • NWBI's Return On Equity of 6.09% is on the low side compared to the rest of the industry. NWBI is outperformed by 72.06% of its industry peers.
Industry RankSector 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
NWBI Yearly ROA, ROE, ROICNWBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

  • With a Profit Margin value of 17.96%, NWBI is not doing good in the industry: 71.28% of the companies in the same industry are doing better.
  • NWBI's Profit Margin has declined in the last couple of years.
  • 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) 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
NWBI Yearly Profit, Operating, Gross MarginsNWBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 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.
  • There is no outstanding debt for NWBI. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
NWBI Yearly Shares OutstandingNWBI Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B

2.2 Solvency

  • The Debt to FCF ratio of NWBI is 4.04, which is a neutral value as it means it would take NWBI, 4.04 years of fcf income to pay off 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 67.36% of its industry peers.
  • NWBI has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
  • NWBI has a better Debt to Equity ratio (0.13) than 60.05% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 4.04
Altman-Z N/A
ROIC/WACCN/A
WACC14.47%
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 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 20M 40M 60M

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4

3. Growth

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.
EPS 1Y (TTM)22.12%
EPS 3Y6.89%
EPS 5Y7.13%
EPS Q2Q%22.22%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%24.49%

3.2 Future

  • The Earnings Per Share is expected to grow by 6.28% on average over the next years.
  • NWBI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.05% yearly.
EPS Next Y3.9%
EPS Next 2Y6.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.49%
Revenue Next 2Y10.05%
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.
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. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.41, the valuation of NWBI can be described as very reasonable.
  • NWBI's Price/Earnings ratio is rather cheap when compared to the industry. NWBI is cheaper than 82.25% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 28.18, NWBI is valued rather cheaply.
  • The Price/Forward Earnings ratio is 10.02, which indicates a very decent valuation of NWBI.
  • 68.67% of the companies in the same industry are more expensive than NWBI, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 25.51, NWBI is valued rather cheaply.
Industry RankSector Rank
PE 10.41
Fwd PE 10.02
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

  • NWBI's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. NWBI is more expensive than 79.11% of the companies in the same industry.
Industry RankSector Rank
P/FCF 31.89
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)2.67
PEG (5Y)1.46
EPS Next 2Y6.28%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 6.13%, NWBI is a good candidate for dividend investing.
  • NWBI's Dividend Yield is rather good when compared to the industry average which is at 2.64. NWBI pays more dividend than 96.08% of the companies in the same industry.
  • NWBI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 6.13%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)1.97%
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 94.23% 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.
DP94.23%
EPS Next 2Y6.28%
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 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 (2/3/2026, 8:00:02 PM)

After market: 13.21 -0.01 (-0.08%)

13.22

+0.18 (+1.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-27
Inst Owners70.18%
Inst Owner Change-0.93%
Ins Owners0.91%
Ins Owner Change-2.19%
Market Cap1.93B
Revenue(TTM)N/A
Net Income(TTM)112.94M
Analysts71.43
Price Target13.86 (4.84%)
Short Float %2.95%
Short Ratio4.53
Dividend
Industry RankSector Rank
Dividend Yield 6.13%
Yearly Dividend0.8
Dividend Growth(5Y)1.97%
DP94.23%
Div Incr Years0
Div Non Decr Years11
Ex-Date02-05
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%
PT rev (3m)-1.74%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.06%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.47%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)0.32%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)0.67%
Valuation
Industry RankSector Rank
PE 10.41
Fwd PE 10.02
P/S 3.07
P/FCF 31.89
P/OCF 27.63
P/B 1.04
P/tB 1.41
EV/EBITDA N/A
EPS(TTM)1.27
EY9.61%
EPS(NY)1.32
Fwd EY9.98%
FCF(TTM)0.41
FCFY3.14%
OCF(TTM)0.48
OCFY3.62%
SpS4.31
BVpS12.7
TBVpS9.37
PEG (NY)2.67
PEG (5Y)1.46
Graham Number19.05
Profitability
Industry RankSector 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 RankSector 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
WACC14.47%
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)22.12%
EPS 3Y6.89%
EPS 5Y7.13%
EPS Q2Q%22.22%
EPS Next Y3.9%
EPS Next 2Y6.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%24.49%
Revenue Next Year14.49%
Revenue Next 2Y10.05%
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-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.


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.


What is the profitability of NWBI stock?

NORTHWEST BANCSHARES INC (NWBI) has a profitability rating of 2 / 10.


What is the valuation of NORTHWEST BANCSHARES INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for NORTHWEST BANCSHARES INC (NWBI) is 10.41 and the Price/Book (PB) ratio is 1.04.


Can you provide the expected EPS growth for NWBI stock?

The Earnings per Share (EPS) of NORTHWEST BANCSHARES INC (NWBI) is expected to grow by 3.9% in the next year.