8-K Announcements
6Apr 27, 2026·SEC
Jan 26, 2026·SEC
Oct 27, 2025·SEC
Northwest Bancshares, Inc. (NWBI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Northwest Bancshares, Inc. (NWBI) stock price & volume — 10-year historical chart
Northwest Bancshares, Inc. (NWBI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Northwest Bancshares, Inc. (NWBI) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 27, 2026 | $0.35vs $0.30+16.7% | $175Mvs $173M+0.9% |
| Q1 2026 | Jan 26, 2026 | $0.33vs $0.31+6.5% | $180Mvs $174M+3.3% |
| Q4 2025 | Oct 27, 2025 | $0.29vs $0.30-2.8% | $167Mvs $166M+0.9% |
| Q3 2025 | Jul 29, 2025 | $0.30vs $0.28+7.1% | $150Mvs $166M-9.7% |
Northwest Bancshares, Inc. (NWBI) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
Northwest Bancshares, Inc. (NWBI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Northwest Bancshares, Inc. (NWBI) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 330.54M | 338.19M | 359.41M | 390.75M | 390.86M | 419.95M | 432.81M | 433.69M | 524.07M |
| NII Growth % | 8.03% | 2.32% | 6.27% | 8.72% | 0.03% | 7.44% | 3.06% | 0.2% | 20.84% |
| Net Interest Margin % | 3.53% | 3.52% | 3.42% | 2.83% | 2.7% | 2.98% | 3% | 3.01% | 3.13% |
| Interest Income | 358.61M | 375.33M | 416.32M | 433.09M | 418.1M | 448.07M | 585.05M | 667.3M | 748.33M |
| Interest Expense | 28.07M | 37.14M | 56.91M | 42.34M | 27.25M | 28.12M | 152.24M | 233.62M | 224.27M |
| Loan Loss Provision | 19.75M | 20.33M | 22.66M | 83.97M | -15.79M | 28.32M | 22.87M | 24.5M | 53.6M |
| Non-Interest Income | 107.88M | 89.94M | 97.9M | 129.97M | 116.04M | 109.77M | 115M | 86.78M | 128.66M |
| Non-Interest Income % | 23.13% | 19.33% | 19.04% | 23.08% | 21.72% | 19.68% | 16.43% | 11.51% | 14.67% |
| Total Revenue | 466.49M▲ 0% | 465.27M▼ 0.3% | 514.23M▲ 10.5% | 563.06M▲ 9.5% | 534.14M▼ 5.1% | 557.84M▲ 4.4% | 700.05M▲ 25.5% | 754.09M▲ 7.7% | 876.99M▲ 16.3% |
| Revenue Growth % | 8.85% | -0.26% | 10.52% | 9.5% | -5.14% | 4.44% | 25.49% | 7.72% | 16.3% |
| Non-Interest Expense | 282.75M | 273.89M | 293.54M | 344.22M | 320.35M | 327.71M | 349.86M | 366.42M | 434.35M |
| Efficiency Ratio | 60.61% | 58.87% | 57.08% | 61.13% | 59.98% | 58.75% | 49.98% | 48.59% | 49.53% |
| Operating Income | 135.91M▲ 0% | 133.91M▼ 1.5% | 141.11M▲ 5.4% | 92.53M▼ 34.4% | 201.12M▲ 117.4% | 173.69M▼ 13.6% | 175.08M▲ 0.8% | 129.55M▼ 26.0% | 164.77M▲ 27.2% |
| Operating Margin % | 29.14% | 28.78% | 27.44% | 16.43% | 37.65% | 31.14% | 25.01% | 17.18% | 18.79% |
| Operating Income Growth % | 90.58% | -1.47% | 5.38% | -34.43% | 117.37% | -13.64% | 0.8% | -26.01% | 27.19% |
| Pretax Income | 135.91M▲ 0% | 133.91M▼ 1.5% | 141.11M▲ 5.4% | 92.53M▼ 34.4% | 201.12M▲ 117.4% | 173.69M▼ 13.6% | 175.08M▲ 0.8% | 129.55M▼ 26.0% | 164.77M▲ 27.2% |
| Pretax Margin % | 29.14% | 28.78% | 27.44% | 16.43% | 37.65% | 31.14% | 25.01% | 17.18% | 18.79% |
| Income Tax | 41.44M | 28.42M | 30.68M | 17.67M | 46.8M | 40.03M | 40.12M | 29.27M | 38.76M |
| Effective Tax Rate % | 30.49% | 21.22% | 21.74% | 19.1% | 23.27% | 23.04% | 22.92% | 22.59% | 23.52% |
| Net Income | 94.47M▲ 0% | 105.49M▲ 11.7% | 110.43M▲ 4.7% | 74.85M▼ 32.2% | 154.32M▲ 106.2% | 133.67M▼ 13.4% | 134.96M▲ 1.0% | 100.28M▼ 25.7% | 126.01M▲ 25.7% |
| Net Margin % | 20.25% | 22.67% | 21.48% | 13.29% | 28.89% | 23.96% | 19.28% | 13.3% | 14.37% |
| Net Income Growth % | 90.2% | 11.67% | 4.68% | -32.22% | 106.17% | -13.39% | 0.97% | -25.7% | 25.66% |
| Net Income (Continuing) | 94.47M | 105.49M | 110.43M | 74.85M | 154.32M | 133.67M | 134.96M | 100.28M | 126.01M |
| EPS (Diluted) | 0.92▲ 0% | 1.02▲ 10.9% | 1.04▲ 2.0% | 0.62▼ 40.4% | 1.21▲ 95.2% | 1.05▼ 13.2% | 1.06▲ 1.0% | 0.79▼ 25.5% | 0.92▲ 16.5% |
| EPS Growth % | 87.76% | 10.87% | 1.96% | -40.38% | 95.16% | -13.22% | 0.95% | -25.47% | 16.46% |
| EPS (Basic) | 0.94 | 1.03 | 1.05 | 0.62 | 1.22 | 1.05 | 1.06 | 0.79 | 0.93 |
| Diluted Shares Outstanding | 102.56M | 103.57M | 105.84M | 120.24M | 127.01M | 126.72M | 126.99M | 126.93M | 146.7M |
Northwest Bancshares, Inc. (NWBI) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 870.25M | 870.24M | 880.75M | 2.14B | 2.83B | 1.36B | 1.17B | 1.4B | 1.82B |
| Cash & Due from Banks | 77.71M | 68.79M | 60.85M | 736.28M | 1.28B | 139.37M | 122.26M | 288.38M | 233.65M |
| Short Term Investments | 792.53M | 801.45M | 819.9M | 1.4B | 1.55B | 1.22B | 1.04B | 1.11B | 1.59B |
| Total Investments | 8.56B | 8.82B | 9.59B | 12.02B | 12.23B | 12.9B | 13.15B | 13B | 14.59B |
| Investments Growth % | 0.75% | 3.06% | 8.71% | 25.4% | 1.72% | 5.49% | 1.91% | -1.13% | 12.27% |
| Long-Term Investments | 7.77B | 8.02B | 8.77B | 10.63B | 10.68B | 11.68B | 12.1B | 11.89B | 13.01B |
| Accounts Receivables | 23.35M | 24.49M | 25.75M | 35.55M | 25.6M | 35.53M | 47.35M | 46.36M | 56.29M |
| Goodwill & Intangibles | 333.09M | 327.24M | 369.18M | 402.21M | 393.83M | 389.56M | 386.29M | 383.83M | 484M |
| Goodwill | 307.42M | 307.42M | 346.1M | 382.28M | 381M | 381M | 381M | 381M | 444.33M |
| Intangible Assets | 25.67M | 19.82M | 23.08M | 19.94M | 12.84M | 8.56M | 5.29M | 2.84M | 39.67M |
| PP&E (Net) | 151.94M | 143.39M | 147.41M | 161.54M | 156.52M | 145.91M | 138.84M | 124.25M | 140.38M |
| Other Assets | 219.01M | 223.42M | 302.05M | 446.43M | 415.4M | 501.19M | 576.6M | 566.35M | 1.26B |
| Total Current Assets | 893.6M | 894.73M | 906.5M | 2.17B | 2.85B | 1.39B | 1.21B | 1.44B | 1.88B |
| Total Non-Current Assets | 8.47B | 8.71B | 9.59B | 11.64B | 11.65B | 12.72B | 13.21B | 12.96B | 14.89B |
| Total Assets | 9.36B▲ 0% | 9.61B▲ 2.6% | 10.49B▲ 9.2% | 13.81B▲ 31.6% | 14.5B▲ 5.0% | 14.11B▼ 2.7% | 14.42B▲ 2.2% | 14.41B▼ 0.1% | 16.77B▲ 16.4% |
| Asset Growth % | -2.7% | 2.6% | 9.22% | 31.56% | 5.04% | -2.68% | 2.17% | -0.08% | 16.37% |
| Return on Assets (ROA) | 1% | 1.11% | 1.1% | 0.62% | 1.09% | 0.93% | 0.95% | 0.7% | 0.81% |
| Accounts Payable | 460K | 744K | 1.14M | 2.05M | 1.8M | 3.23M | 13.67M | 6.93M | 6.85M |
| Total Debt | 219.45M | 345.6M | 368.14M | 411.84M | 391.72M | 924.32M | 642.66M | 444.7M | 446.28M |
| Net Debt | 141.74M | 276.81M | 307.29M | -324.44M | -887.54M | 784.96M | 520.4M | 156.32M | 212.64M |
| Long-Term Debt | 111.21M | 111.21M | 275.4M | 274.18M | 252.63M | 243.15M | 243.76M | 244.37M | 446.28M |
| Short-Term Debt | 108.24M | 234.39M | 92.74M | 137.66M | 139.09M | 681.17M | 398.89M | 200.33M | 0 |
| Other Liabilities | 109.31M | 109.61M | 179.34M | 254.44M | 223.25M | 229.74M | 231.56M | 215.18M | 486.89M |
| Total Current Liabilities | 7.94B | 8.13B | 8.69B | 11.74B | 12.44B | 12.15B | 12.39B | 12.35B | 13.94B |
| Total Non-Current Liabilities | 220.52M | 220.82M | 454.74M | 528.62M | 475.88M | 472.89M | 475.32M | 459.55M | 933.18M |
| Total Liabilities | 8.16B | 8.35B | 9.14B | 12.27B | 12.92B | 12.62B | 12.87B | 12.81B | 14.88B |
| Total Equity | 1.21B▲ 0% | 1.26B▲ 4.1% | 1.35B▲ 7.6% | 1.54B▲ 13.7% | 1.58B▲ 2.9% | 1.49B▼ 5.8% | 1.55B▲ 4.0% | 1.6B▲ 2.9% | 1.89B▲ 18.4% |
| Equity Growth % | 3.17% | 4.13% | 7.61% | 13.7% | 2.92% | -5.82% | 4.01% | 2.94% | 18.38% |
| Equity / Assets (Capital Ratio) | 12.9% | 13.09% | 12.9% | 11.14% | 10.92% | 10.57% | 10.76% | 11.08% | 11.27% |
| Return on Equity (ROE) | 7.94% | 8.56% | 8.46% | 5.18% | 9.89% | 8.69% | 8.87% | 6.37% | 7.23% |
| Book Value per Share | 11.78 | 12.14 | 12.79 | 12.80 | 12.47 | 11.77 | 12.22 | 12.58 | 12.89 |
| Tangible BV per Share | 8.53 | 8.98 | 9.30 | 9.45 | 9.37 | 8.70 | 9.17 | 9.56 | 9.59 |
| Common Stock | 1.03M | 1.03M | 1.07M | 1.27M | 1.27M | 1.27M | 1.27M | 1.27M | 1.46M |
| Additional Paid-in Capital | 730.72M | 745.93M | 805.75M | 1.02B | 1.01B | 1.02B | 1.02B | 1.03B | 1.27B |
| Retained Earnings | 508.06M | 550.37M | 583.41M | 555.48M | 609.53M | 641.73M | 674.69M | 673.11M | 689.21M |
| Accumulated OCI | -32.08M | -39.7M | -36.94M | -33.55M | -37.63M | -171.16M | -149.49M | -110.91M | -70.69M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Northwest Bancshares, Inc. (NWBI) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 151.8M | 138.91M | 127.46M | 140.44M | 205.46M | 175.43M | 92.89M | 127.67M | 153.41M |
| Operating CF Growth % | 11.85% | -8.49% | -8.24% | 10.18% | 46.3% | -14.61% | -47.05% | 37.44% | 20.17% |
| Net Income | 94.47M | 105.49M | 110.43M | 74.85M | 154.32M | 133.67M | 134.96M | 100.28M | 126.01M |
| Depreciation & Amortization | 14.29M | 8.12M | 3.82M | 4.74M | 6.63M | 6.45M | 24.5M | 21.34M | 136K |
| Deferred Taxes | 11.32M | -2.77M | 2.78M | -8.08M | 12.31M | -5.5M | -4.92M | 2.8M | -6.42M |
| Other Non-Cash Items | 12.23M | 28.6M | 15.67M | 33.77M | 1.26M | 50.72M | 29.82M | -8.84M | 46.18M |
| Working Capital Changes | 14.6M | -7.56M | -12.08M | 30.92M | 26.19M | -13.98M | -96.04M | 6M | -18.61M |
| Cash from Investing | -104.04M | -281.91M | -300.59M | -560.58M | -232.97M | -917.42M | -239.68M | 174.97M | -127.35M |
| Purchase of Investments | -241.91M | -228.18M | -200.2M | -995.12M | -1.36B | -315.07M | -23.5M | -437.5M | -495.73M |
| Sale/Maturity of Investments | 256.8M | 222.46M | 278.18M | 399.63M | 580.45M | 330.43M | 270.24M | 423M | 292.06M |
| Net Investment Activity | 14.89M | -5.72M | 77.97M | -595.49M | -783.51M | 15.36M | 246.74M | -14.5M | -203.68M |
| Acquisitions | 0 | 0 | -28.78M | 261.71M | 28.24M | 0 | 0 | 0 | 30.9M |
| Other Investing | -115.21M | -270.96M | -338.89M | -214.54M | 539.82M | -928.46M | -477.86M | 191.78M | 57.06M |
| Cash from Financing | -359.92M | 134.08M | 165.19M | 1.1B | 570.49M | -397.9M | 129.69M | -136.52M | -80.79M |
| Dividends Paid | -65.21M | -69.92M | -76.17M | -93.13M | -100.27M | -101.47M | -101.67M | -101.85M | -109.91M |
| Share Repurchases | 0 | 0 | 0 | -9.28M | -23.85M | 0 | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 630K | 2.46M | 930K |
| Net Stock Activity | 0 | 0 | 0 | -9.28M | -23.85M | 0 | 630K | 2.46M | 930K |
| Debt Issuance (Net) | -1000K | 1000K | 1000K | -1000K | -1000K | 1000K | -1000K | -1000K | -1000K |
| Other Financing | -260.04M | 77.85M | 229.41M | 1.39B | 715.29M | -828.41M | 512.99M | 161.44M | 176.12M |
| Net Change in Cash | -312.16M▲ 0% | -8.92M▲ 97.1% | -7.94M▲ 11.0% | 675.43M▲ 8603.5% | 542.98M▼ 19.6% | -1.14B▼ 309.9% | -17.11M▲ 98.5% | 166.12M▲ 1071.2% | -54.73M▼ 132.9% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 389.87M | 77.71M | 68.79M | 60.85M | 736.28M | 1.28B | 139.37M | 122.26M | 288.38M |
| Cash at End | 77.71M | 68.79M | 60.85M | 736.28M | 1.28B | 139.37M | 122.26M | 288.38M | 233.65M |
| Interest Paid | 28.25M | 36.86M | 54.28M | 0 | 27.5M | 26.69M | 141.8M | 240.35M | 224.35M |
| Income Taxes Paid | 32.27M | 25.85M | 29.28M | 29.77M | 33.58M | 39.37M | 48M | 27.79M | 40.56M |
| Free Cash Flow | 148.08M▲ 0% | 133.68M▼ 9.7% | 116.56M▼ 12.8% | 128.18M▲ 10.0% | 187.94M▲ 46.6% | 171.11M▼ 9.0% | 84.33M▼ 50.7% | 125.36M▲ 48.7% | 141.78M▲ 13.1% |
| FCF Growth % | 22.9% | -9.73% | -12.8% | 9.97% | 46.62% | -8.95% | -50.72% | 48.66% | 13.1% |
Northwest Bancshares, Inc. (NWBI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 4.26% | 7.94% | 8.56% | 8.46% | 5.18% | 9.89% | 8.69% | 8.87% | 6.37% | 7.23% |
| Return on Assets (ROA) | 0.53% | 1% | 1.11% | 1.1% | 0.62% | 1.09% | 0.93% | 0.95% | 0.7% | 0.81% |
| Net Interest Margin | 3.18% | 3.53% | 3.52% | 3.42% | 2.83% | 2.7% | 2.98% | 3% | 3.01% | 3.13% |
| Efficiency Ratio | 71.26% | 60.61% | 58.87% | 57.08% | 61.13% | 59.98% | 58.75% | 49.98% | 48.59% | 49.53% |
| Equity / Assets | 12.16% | 12.9% | 13.09% | 12.9% | 11.14% | 10.92% | 10.57% | 10.76% | 11.08% | 11.27% |
| Book Value / Share | 11.63 | 11.78 | 12.14 | 12.79 | 12.8 | 12.47 | 11.77 | 12.22 | 12.58 | 12.89 |
| NII Growth | 17.49% | 8.03% | 2.32% | 6.27% | 8.72% | 0.03% | 7.44% | 3.06% | 0.2% | 20.84% |
| Dividend Payout | 121.12% | 69.03% | 66.28% | 68.98% | 124.42% | 64.98% | 75.91% | 75.33% | 101.57% | 87.22% |
Northwest Bancshares, Inc. (NWBI) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 27, 2026·SEC
Jan 26, 2026·SEC
Oct 27, 2025·SEC
Northwest Bancshares, Inc. (NWBI) stock FAQ — growth, dividends, profitability & financials explained
Northwest Bancshares, Inc. (NWBI) grew revenue by 16.3% over the past year. This is strong growth.
Yes, Northwest Bancshares, Inc. (NWBI) is profitable, generating $126.0M in net income for fiscal year 2025 (14.4% net margin).
Yes, Northwest Bancshares, Inc. (NWBI) pays a dividend with a yield of 5.32%. This makes it attractive for income-focused investors.
Northwest Bancshares, Inc. (NWBI) has a return on equity (ROE) of 7.2%. This is below average, suggesting room for improvement.
Northwest Bancshares, Inc. (NWBI) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
Northwest Bancshares, Inc. (NWBI) has an efficiency ratio of 49.5%. This is excellent, indicating strong cost control.
Northwest Bancshares, Inc. (NWBI) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates