(NWBI) Northwest Bancshares - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 1.999m USD | Total Return: 21.6% in 12m
Avg Turnover: 13.8M
EPS Trend: 56.2%
Qual. Beats: 1
Rev. Trend: 98.4%
Qual. Beats: 2
Warnings
No concerns identified
Tailwinds
Confidence
Northwest Bancshares, Inc. (NWBI) is a bank holding company for Northwest Bank, a state-chartered institution founded in 1896. Headquartered in Columbus, Ohio, the company operates a regional banking model across Pennsylvania, New York, Ohio, and Indiana. Its core business involves gathering consumer and commercial deposits to fund a diverse lending portfolio, including residential mortgages, commercial real estate, and unsecured personal loans.
The company operates within the Regional Banks sub-industry, where profitability is heavily influenced by the net interest margin-the difference between interest earned on loans and interest paid on deposits. As a traditional savings bank, Northwest Bancshares also generates non-interest income through wealth management, trust services, and insurance products for individuals and small businesses.
Investors can evaluate the companys historical valuation and dividend sustainability by reviewing the detailed metrics available on ValueRay.
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Asset quality trends within the commercial real estate loan portfolio
- Regional economic performance across Pennsylvania and New York core markets
- Operational efficiency gains through digital banking and branch network optimization
- Non-interest income growth from wealth management and insurance service fees
| Net Income: 133.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.52 > 1.0 |
| NWC/Revenue: -1.31k% < 20% (prev -1.40k%; Δ 87.64% < -1%) |
| CFO/TA 0.01 > 3% & CFO 119.7m > Net Income 133.1m |
| Net Debt (-2.08b) to EBITDA (175.0m): -11.91 < 3 |
| Current Ratio: 0.19 > 1.5 & < 3 |
| Outstanding Shares: last quarter (146.9m) vs 12m ago 14.46% < -2% |
| Gross Margin: 68.91% > 18% (prev 0.67%; Δ 6.82k% > 0.5%) |
| Asset Turnover: 5.76% > 50% (prev 5.36%; Δ 0.39% > 0%) |
| Interest Coverage Ratio: 0.76 > 6 (EBITDA TTM 175.0m / Interest Expense TTM 230.6m) |
| A: -0.70 (Total Current Assets 2.75b - Total Current Liabilities 14.6b) / Total Assets 16.9b |
| B: 0.04 (Retained Earnings 710.4m / Total Assets 16.9b) |
| C: 0.01 (EBIT TTM 174.9m / Avg Total Assets 15.7b) |
| D: 0.04 (Book Value of Equity 632.9m / Total Liabilities 15.0b) |
| Altman-Z'' = -4.33 = D |
| DSRI: 1.07 (Receivables 57.2m/45.9m, Revenue 902.5m/774.8m) |
| GMI: 0.97 (GM 68.91% / 66.65%) |
| AQI: 0.94 (AQ_t 0.83 / AQ_t-1 0.88) |
| SGI: 1.16 (Revenue 902.5m / 774.8m) |
| TATA: 0.00 (NI 133.1m - CFO 119.7m) / TA 16.9b) |
| Beneish M = -2.92 (Cap -4..+1) = A |
As of May 24, 2026, the stock is trading at USD 13.97 with a total of 902,776 shares traded.
Over the past week, the price has changed by +4.25%,
over one month by +7.36%,
over three months by +13.01% and
over the past year by +21.61%.
Northwest Bancshares has received a consensus analysts rating of 2.83. Therefore, it is recommended to hold NWBI.
- StrongBuy: 0
- Buy: 0
- Hold: 5
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 15 | 7.4% |
P/E Forward = 12.1507
P/S = 3.2158
P/B = 1.0303
P/EG = 2.2949
Revenue TTM = 902.5m USD
EBIT TTM = 174.9m USD
EBITDA TTM = 175.0m USD
Long Term Debt = 330.4m USD (from longTermDebt, last quarter)
Short Term Debt = 350.9m USD (from shortTermDebt, last quarter)
Debt = 595.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -2.08b USD (calculated: Debt 595.8m - CCE 2.68b)
Enterprise Value = 2.00b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.76 (Ebit TTM 174.9m / Interest Expense TTM 230.6m)
EV/FCF = 18.94x (Enterprise Value 2.00b / FCF TTM 105.6m)
FCF Yield = 5.28% (FCF TTM 105.6m / Enterprise Value 2.00b)
FCF Margin = 11.70% (FCF TTM 105.6m / Revenue TTM 902.5m)
Net Margin = 14.75% (Net Income TTM 133.1m / Revenue TTM 902.5m)
Gross Margin = 68.91% ((Revenue TTM 902.5m - Cost of Revenue TTM 280.6m) / Revenue TTM)
Gross Margin QoQ = 72.91% (prev 72.40%)
Tobins Q-Ratio = 0.12 (Enterprise Value 2.00b / Total Assets 16.9b)
Interest Expense / Debt = 38.69% (Interest Expense 230.6m / Debt 595.8m)
Taxrate = 24.19% (16.1m / 66.7m)
NOPAT = 132.6m (EBIT 174.9m * (1 - 24.19%))
Current Ratio = 0.19 (Total Current Assets 2.75b / Total Current Liabilities 14.6b)
Debt / Equity = 0.31 (Debt 595.8m / totalStockholderEquity, last quarter 1.90b)
Debt / EBITDA = -11.91 (Net Debt -2.08b / EBITDA 175.0m)
Debt / FCF = -19.75 (Net Debt -2.08b / FCF TTM 105.6m)
Total Stockholder Equity = 1.82b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.85% (Net Income 133.1m / Total Assets 16.9b)
RoE = 7.30% (Net Income TTM 133.1m / Total Stockholder Equity 1.82b)
RoCE = 8.12% (EBIT 174.9m / Capital Employed (Equity 1.82b + L.T.Debt 330.4m))
RoIC = 5.37% (NOPAT 132.6m / Invested Capital 2.47b)
WACC = 13.19% (E(2.00b)/V(2.59b) * Re(8.38%) + D(595.8m)/V(2.59b) * Rd(38.69%) * (1-Tc(0.24)))
Discount Rate = 8.38% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 64.44 | Cagr: 6.63%
[DCF] Terminal Value 57.33% ; FCFF base≈129.7m ; Y1≈113.7m ; Y5≈91.9m
[DCF] Fair Price = 19.90 (EV 826.9m - Net Debt -2.08b = Equity 2.91b / Shares 146.3m; r=13.19% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 56.23 | EPS CAGR: 5.10% | SUE: 1.25 | # QB: 1
Revenue Correlation: 98.37 | Revenue CAGR: 12.69% | SUE: 0.87 | # QB: 2
EPS current Quarter (2026-06-30): EPS=0.34 | Chg30d=+4.65% | Revisions=+60% | Analysts=8
EPS next Quarter (2026-09-30): EPS=0.34 | Chg30d=+1.47% | Revisions=+27% | Analysts=8
EPS current Year (2026-12-31): EPS=1.38 | Chg30d=+4.93% | Revisions=+64% | GrowthEPS=+9.4% | GrowthRev=+10.2%
EPS next Year (2027-12-31): EPS=1.44 | Chg30d=+1.41% | Revisions=+27% | GrowthEPS=+4.6% | GrowthRev=+4.1%
[Analyst] Revisions Ratio: +64%