Northwest Bancshares, Inc.(NWBI)Earnings, Financials & Key Ratios

NWBI•NASDAQ•Banking & Credit

15.7× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryCommercial and middle-market focused banks

AboutNorthwest Bancshares, Inc. operates as the holding company for Northwest Bank, a state-chartered savings bank that provides personal and business banking solutions. The company accepts various deposits, including checking, savings, money market deposit, term certificate, and individual retirement accounts. It also offers loan products comprising one-to-four-family residential real estate loans and loans collateralized by multi-family residential and commercial real estate; commercial business loans; and consumer loans, including automobile loans, sales finance loans, unsecured personal loans, credit card loans, and loans secured by deposit accounts. The company also offers investment management and trust services. As of December 31, 2021, it operated 170 community-banking locations in Pennsylvania, Western New York, Eastern Ohio, and Indiana. Northwest Bancshares, Inc. was founded in 1896 and is headquartered in Columbus, Ohio.Show more

Net Interest Income$524M+20.8%
Total Revenue$877M+16.3%
Net Income$126M+25.7%
Return on Equity7.23%+13.4%
Net Interest Margin3.13%+3.8%
Efficiency Ratio49.53%+1.9%
ROA0.81%+16.2%
Equity / Assets11.27%+1.7%
Book Value per Share12.89+2.4%

NWBI Key Insights

Northwest Bancshares, Inc. (NWBI) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓Efficient operations: 49.5% efficiency ratio
✓Well capitalized: 11.3% equity/assets
✓Healthy dividend yield of 5.2%
✓Trading near 52-week high
✓Trading at only 1.1x book value

✗Weaknesses

✗Shares diluted 15.6% in last year

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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NWBI Price & Volume

Northwest Bancshares, Inc. (NWBI) stock price & volume — 10-year historical chart

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NWBI Growth Metrics

Northwest Bancshares, Inc. (NWBI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years8.58%

5 Years9.27%

3 Years16.28%

TTM-

Profit CAGR

10 Years7.61%

5 Years10.98%

3 Years-1.95%

TTM25.66%

EPS CAGR

10 Years3.7%

5 Years8.21%

3 Years-4.31%

TTM18.03%

Return on Capital

10 Years7.55%

5 Years8.05%

3 Years7.29%

Last Year6.75%

NWBI Recent Earnings

Northwest Bancshares, Inc. (NWBI) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 8/12 qtrs (67%)●Beat Revenue 10/12 qtrs (83%)

Q2 2026Latest

Apr 27, 2026

Metric

Actual

Est

EPS

$0.35+16.7%

$0.30

Rev

$175M+0.9%

$173M

Q1 2026

Jan 26, 2026

Metric

Actual

Est

EPS

$0.33+6.5%

$0.31

Rev

$180M+3.3%

$174M

Q4 2025

Oct 27, 2025

Metric

Actual

Est

EPS

$0.29-2.8%

$0.30

Rev

$167M+0.9%

$166M

Q3 2025

Jul 29, 2025

Metric

Actual

Est

EPS

$0.30+7.1%

$0.28

Rev

$150M-9.7%

$166M

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%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
FULTFulton Financial CorporationDirect Competitor	4.41B	22.90	11.01	5.03%	20.7%	11.6%	0.37
NBTBNBT Bancorp Inc.Direct Competitor	2.44B	46.68	14.02	10.36%	18.76%	9.51%	0.17
TRMKTrustmark CorporationDirect Competitor	2.63B	44.67	12.07	34.75%	19.32%	10.77%	0.53
WSBCWesBanco, Inc.Direct Competitor	3.49B	36.29	16.06	51.41%	15.55%	5.67%	0.41
CNOBConnectOne Bancorp, Inc.Direct Competitor	1.63B	32.45	21.93	13.44%	11.89%	5.49%	0.74
CHMGChemung Financial CorporationProduct Competitor	341.44M	70.97	22.67	-6.46%	10.79%	6.27%	0.02
CZWICitizens Community Bancorp, Inc.Product Competitor	205.47M	21.34	14.62	-9.41%	16.01%	7.81%	0.28
FUNCFirst United CorporationProduct Competitor	276.83M	42.58	11.29	6.6%	20.51%	12.61%	0.56

Compare NWBI vs Peers

Northwest Bancshares, Inc. (NWBI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FULT

Most directly comparable listed peer for NWBI.

Scale Benchmark

vs V

Larger-name benchmark to compare NWBI against a more recognizable public peer.

Peer Set

Compare Top 5

vs FULT, NBTB, TRMK, WSBC

NWBI Income Statement

Northwest Bancshares, Inc. (NWBI) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	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

NWBI Balance Sheet

Northwest Bancshares, Inc. (NWBI) balance sheet — assets, liabilities & shareholders' equity

Metric	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

NWBI Cash Flow Statement

Northwest Bancshares, Inc. (NWBI) cash flow — operating, investing & free cash flow history

Metric	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%

NWBI Banking Ratios

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%

NWBI SEC Filings & Documents

Northwest Bancshares, Inc. (NWBI) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

Apr 27, 2026·SEC

Material company update

Jan 26, 2026·SEC

Material company update

Oct 27, 2025·SEC

10-K Annual Reports

FY 2026

Feb 25, 2026·SEC

FY 2025

Feb 25, 2025·SEC

10-Q Quarterly Reports

FY 2025

Nov 10, 2025·SEC

FY 2025

Aug 5, 2025·SEC

FY 2025

May 6, 2025·SEC

NWBI Frequently Asked Questions

Northwest Bancshares, Inc. (NWBI) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

Yes, Northwest Bancshares, Inc. (NWBI) pays a dividend with a yield of 5.17%. 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.

Industry Metrics

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.

What if you invested $1,000 in NWBI back in 1995?

Total return calculator · dividends reinvested · 31+ years of data

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How much would $100/month in NWBI be worth today?

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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%

Metric

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%

3.01%

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

Metric

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

346.1M

382.28M

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)

1.11%

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

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

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

1.07M

1.27M

1.46M

Additional Paid-in Capital

730.72M

745.93M

805.75M

1.02B

1.01B

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

Preferred Stock

Metric

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

-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

-28.78M

261.71M

28.24M

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

-9.28M

-23.85M

Stock Issued

630K

2.46M

930K

Net Stock Activity

-9.28M

-23.85M

630K

2.46M

930K

Debt Issuance (Net)

-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

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

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%

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%

1.11%

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%

3.01%

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)Earnings, Financials & Key Ratios

NWBI Key Insights

✓Strengths

✗Weaknesses

NWBI Price & Volume

NWBI Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

NWBI Recent Earnings

NWBI Peer Comparison

Compare NWBI vs Peers

vs FULT

vs V

Compare Top 5

NWBI Income Statement

NWBI Balance Sheet

NWBI Cash Flow Statement

NWBI Banking Ratios

NWBI SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

NWBI Frequently Asked Questions

Northwest Bancshares, Inc.(NWBI)Earnings, Financials & Key Ratios

NWBI Key Insights

✓Strengths

✗Weaknesses

NWBI Price & Volume

NWBI Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

NWBI Recent Earnings

NWBI Peer Comparison

Compare NWBI vs Peers

vs FULT

vs V

Compare Top 5

NWBI Income Statement

NWBI Balance Sheet

NWBI Cash Flow Statement

NWBI Banking Ratios

NWBI SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

NWBI Frequently Asked Questions