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NORTHWEST BANCSHARES INC (NWBI) Stock Fundamental Analysis

USA - NASDAQ:NWBI - US6673401039 - Common Stock

12.36 USD
+0.01 (+0.08%)
Last: 10/21/2025, 8:00:02 PM
12.36 USD
0 (0%)
After Hours: 10/21/2025, 8:00:02 PM
Fundamental Rating

4

NWBI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. NWBI may be in some trouble as it scores bad on both profitability and health. NWBI is not valued too expensively and it also shows a decent growth rate. Finally NWBI also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

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 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

NWBI has a better Return On Assets (0.99%) than 63.17% of its industry peers.
NWBI has a Return On Equity (8.76%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.99%
ROE 8.76%
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

NWBI's Profit Margin of 23.96% is in line compared to the rest of the industry. NWBI outperforms 52.17% of its industry peers.
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) 23.96%
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 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.
NWBI has more shares outstanding than it did 1 year ago.
NWBI has more shares outstanding than it did 5 years ago.
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

NWBI has a debt to FCF ratio of 2.11. This is a good value and a sign of high solvency as NWBI would need 2.11 years to pay back of all of its debts.
With a Debt to FCF ratio value of 2.11, NWBI perfoms like the industry average, outperforming 47.06% of the companies in the same industry.
A Debt/Equity ratio of 0.15 indicates that NWBI is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.15, NWBI perfoms like the industry average, outperforming 57.03% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 2.11
Altman-Z N/A
ROIC/WACCN/A
WACC14.54%
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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5

3. Growth

3.1 Past

NWBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.38%, which is quite good.
The Revenue has decreased by -5.54% in the past year.
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)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 13.87% on average over the next years. This is quite good.
Based on estimates for the next years, NWBI will show a quite strong growth in Revenue. The Revenue will grow by 15.85% on average per year.
EPS Next Y24.56%
EPS Next 2Y13.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.17%
Revenue Next 2Y15.85%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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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5

4. Valuation

4.1 Price/Earnings Ratio

NWBI is valuated reasonably with a Price/Earnings ratio of 10.47.
Based on the Price/Earnings ratio, NWBI is valued a bit cheaper than 69.57% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.77, NWBI is valued rather cheaply.
NWBI is valuated reasonably with a Price/Forward Earnings ratio of 9.17.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NWBI indicates a somewhat cheap valuation: NWBI is cheaper than 62.66% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.23. NWBI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.47
Fwd PE 9.17
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 slightly more expensive valuation: NWBI is more expensive than 62.15% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 15.55
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

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 13.87% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.43
PEG (5Y)N/A
EPS Next 2Y13.87%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

NWBI has a Yearly Dividend Yield of 6.76%, which is a nice return.
NWBI's Dividend Yield is rather good when compared to the industry average which is at 3.60. NWBI pays more dividend than 94.12% 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 6.76%

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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

70.98% of the earnings are spent on dividend by NWBI. This is not a sustainable payout ratio.
The dividend of NWBI is growing, but earnings are growing more, so the dividend growth is sustainable.
DP70.98%
EPS Next 2Y13.87%
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 (10/21/2025, 8:00:02 PM)

After market: 12.36 0 (0%)

12.36

+0.01 (+0.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-29 2025-07-29/amc
Earnings (Next)10-27 2025-10-27/bmo
Inst Owners64.11%
Inst Owner Change-0.03%
Ins Owners0.88%
Ins Owner Change0.57%
Market Cap1.81B
Analysts50
Price Target13.64 (10.36%)
Short Float %2.99%
Short Ratio4.13
Dividend
Industry RankSector Rank
Dividend Yield 6.76%
Yearly Dividend0.8
Dividend Growth(5Y)1.97%
DP70.98%
Div Incr Years0
Div Non Decr Years11
Ex-Date08-08 2025-08-08 (0.2)
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%
PT rev (3m)-3.31%
EPS NQ rev (1m)-0.06%
EPS NQ rev (3m)3.67%
EPS NY rev (1m)0%
EPS NY rev (3m)2.87%
Revenue NQ rev (1m)-0.31%
Revenue NQ rev (3m)-2.27%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.42%
Valuation
Industry RankSector Rank
PE 10.47
Fwd PE 9.17
P/S 3.01
P/FCF 15.55
P/OCF 14.82
P/B 1.1
P/tB 1.44
EV/EBITDA N/A
EPS(TTM)1.18
EY9.55%
EPS(NY)1.35
Fwd EY10.91%
FCF(TTM)0.79
FCFY6.43%
OCF(TTM)0.83
OCFY6.75%
SpS4.1
BVpS11.23
TBVpS8.61
PEG (NY)0.43
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.99%
ROE 8.76%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.96%
GM N/A
FCFM 19.37%
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 RankSector Rank
Debt/Equity 0.15
Debt/FCF 2.11
Debt/EBITDA N/A
Cap/Depr 48.08%
Cap/Sales 0.96%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 80.81%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC14.54%
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 Y24.56%
EPS Next 2Y13.87%
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 Year20.17%
Revenue Next 2Y15.85%
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-40.66%
FCF growth 3Y-12.64%
FCF growth 5Y1.46%
OCF growth 1Y-39.45%
OCF growth 3Y-14.67%
OCF growth 5Y0.03%