Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.21 | 10.91 | 10.53 | 9.33 | 9.68 | 138.28 | 12.29 | 8.84 | 12.68 | 12.87 | 72.19 | 12.66 | 13.57 | 8.25 | 10.19 | 11.57 | 12.94 | 11.65 | 12.31 | 15.35 | 14.75 |
| — | -92.1% | -14.3% | +5.6% | -23.7% | +974.8% | -83.0% | -30.2% | -6.5% | +55.9% | +608.3% | +9.5% | +4.8% | -29.2% | -17.2% | -24.7% | -12.2% | -5.3% | +37.2% | +36.0% | +29.7% | |
| P/S Ratio | 3.57 | 2.96 | 6.60 | 2.66 | 2.45 | 2.61 | 2.74 | 2.47 | 2.71 | 3.12 | 3.51 | 2.84 | 2.93 | 2.34 | 2.44 | 2.86 | 3.11 | 3.12 | 3.16 | 3.75 | 3.60 |
| — | +13.3% | +141.0% | +7.6% | -9.7% | -16.2% | -22.1% | -12.9% | -7.7% | +33.1% | +44.0% | -0.8% | -5.6% | -24.9% | -22.7% | -23.6% | -13.7% | -7.9% | -9.5% | +7.9% | +19.7% | |
| P/B Ratio | 1.18 | 1.16 | 1.16 | 0.98 | 0.93 | 0.94 | 1.00 | 0.95 | 1.04 | 1.09 | 0.88 | 0.96 | 1.02 | 0.87 | 0.89 | 1.03 | 1.20 | 1.19 | 1.10 | 1.14 | 1.12 |
| — | +22.7% | +16.1% | +3.4% | -10.5% | -13.3% | +13.2% | -1.1% | +1.7% | +25.3% | -1.1% | -7.0% | -15.0% | -27.1% | -19.1% | -9.7% | +7.4% | +7.8% | -0.4% | -4.0% | +6.7% | |
| P/FCF | 18.86 | 28.96 | 21.34 | 6.70 | 120.41 | 11.42 | — | 3.64 | — | 4.64 | 7.76 | 5.70 | 10.38 | — | 16.62 | 13.05 | 7.28 | 5.37 | 8.35 | — | 8.19 |
| — | +153.6% | — | +83.8% | — | +146.1% | — | -36.0% | — | — | -53.3% | -56.4% | +42.6% | — | +99.1% | — | -11.2% | -62.9% | -30.4% | — | — | |
| EV / EBITDA | 12.31 | 10.46 | 200.05 | 8.32 | 8.13 | 148.10 | 10.04 | 7.14 | 9.97 | 9.63 | 33.18 | 11.87 | 11.74 | 8.51 | 10.43 | 12.97 | 13.49 | 9.80 | 8.90 | 6.02 | 4.79 |
| — | -92.9% | +1893.3% | +16.5% | -18.4% | +1438.0% | -69.8% | -39.9% | -15.1% | +13.2% | +218.2% | -8.5% | -13.0% | -13.2% | +17.2% | +115.6% | +181.6% | +64.6% | +70.0% | +13.8% | -36.9% | |
| EV / EBIT | 14.82 | 5.63 | 200.05 | 8.15 | 8.13 | 150.15 | 10.28 | 7.21 | 10.73 | 11.22 | 68.52 | 13.33 | 14.29 | 9.80 | 12.02 | 13.60 | 14.26 | 10.00 | 8.75 | 6.62 | 5.63 |
| — | -96.3% | +1846.4% | +13.0% | -24.2% | +1238.3% | -85.0% | -45.9% | -25.0% | +14.5% | +470.2% | -2.0% | +0.3% | -2.1% | +37.4% | +105.6% | +153.2% | +81.1% | +76.6% | +11.2% | -22.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 91.8% | 95.1% | 92.1% | 97.5% | 96.8% | 81.4% | 94.2% | 94.9% | 89.2% | 96.5% | 100.4% | 97.5% | 94.1% | 99.3% | 93.5% | 96.3% | 93.7% | 91.9% | 95.4% | 99.9% | 101.6% |
| — | +16.9% | -2.1% | +2.7% | +8.5% | -15.7% | -6.2% | -2.6% | -5.2% | -2.8% | +7.3% | +1.2% | +0.4% | +8.0% | -1.9% | -3.6% | -7.7% | -11.1% | -4.6% | -4.2% | -0.1% | |
| Operating Margin | 25.2% | 36.1% | 4.2% | 38.1% | 33.7% | 2.1% | 29.5% | 36.3% | 27.6% | 31.4% | 6.1% | 28.8% | 27.3% | 36.5% | 31.6% | 32.3% | 31.3% | 35.4% | 33.2% | 31.0% | 31.9% |
| — | +1643.3% | -85.8% | +5.0% | +22.1% | -93.4% | +384.3% | +25.8% | +1.3% | -14.1% | -80.7% | -10.8% | -13.0% | +3.2% | -4.9% | +4.3% | -1.9% | -1.8% | -35.3% | -21.2% | -3.5% | |
| Net Margin | 19.3% | 27.4% | 63.4% | 28.9% | 25.4% | 1.9% | 22.5% | 27.9% | 21.4% | 24.2% | 4.9% | 22.3% | 21.5% | 28.3% | 24.0% | 24.8% | 24.0% | 26.8% | 25.7% | 24.4% | 24.4% |
| — | +1350.1% | +181.3% | +3.5% | +19.0% | -92.2% | +362.9% | +25.1% | -0.5% | -14.3% | -79.7% | -10.0% | -10.6% | +5.5% | -6.6% | +1.4% | -1.7% | -2.8% | -34.6% | -20.0% | -6.6% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.2% | 2.7% | 2.8% | 2.7% | 2.4% | 0.2% | 2.1% | 2.7% | 2.1% | 2.1% | 0.3% | 1.9% | 1.9% | 2.6% | 2.2% | 2.2% | 2.3% | 2.5% | 2.2% | 1.8% | 1.9% |
| — | +1366.4% | +35.7% | -1.1% | +18.8% | -91.5% | +574.2% | +43.4% | +8.0% | -18.0% | -86.0% | -16.2% | -19.0% | +3.2% | -1.4% | +23.1% | +22.9% | +13.0% | -29.5% | -30.3% | -15.9% | |
| ROA | 0.8% | 0.3% | 0.3% | 0.3% | 0.3% | 0.0% | 0.2% | 0.3% | 0.2% | 0.2% | 0.0% | 0.2% | 0.2% | 0.3% | 0.2% | 0.2% | 0.2% | 0.3% | 0.2% | 0.2% | 0.2% |
| — | +1333.7% | +34.9% | -0.3% | +21.1% | -91.2% | +607.3% | +49.4% | +12.9% | -14.6% | -85.8% | -15.3% | -18.3% | +3.2% | -0.9% | +21.6% | +18.6% | +8.6% | -31.7% | -31.7% | -18.1% | |
| ROIC | 5.6% | 1.8% | 0.1% | 2.1% | 1.9% | 0.1% | 1.6% | 2.1% | 1.6% | 1.6% | 0.2% | 1.3% | 1.2% | 1.6% | 1.4% | 1.4% | 1.6% | 2.0% | 1.7% | 1.4% | 1.5% |
| — | +1466.9% | -93.7% | +0.3% | +21.6% | -92.9% | +657.3% | +59.9% | +27.9% | -0.4% | -84.5% | -5.0% | -24.1% | -20.0% | -21.6% | -2.4% | +6.5% | +14.0% | -30.3% | -30.7% | -9.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.24 | 0.48 | 0.44 | 0.31 | 0.24 | 0.33 | 0.27 | 0.27 | 0.28 | 0.28 | 0.31 | 0.42 | 0.41 | 0.57 | 0.58 | 0.62 | 0.62 | 0.24 | 0.25 | 0.25 | 0.25 |
| — | +46.7% | +65.0% | +15.4% | -15.2% | +17.2% | -13.7% | -34.7% | -32.8% | -50.2% | -46.1% | -32.6% | -33.2% | +133.9% | +131.9% | +150.7% | +150.5% | -0.3% | +1.9% | -1.0% | -7.6% | |
| Debt / EBITDA | 2.71 | 13.32 | 241.57 | 9.12 | 7.35 | 174.32 | 9.80 | 7.73 | 9.75 | 8.85 | 39.64 | 15.21 | 14.32 | 14.53 | 17.44 | 20.20 | 19.34 | 7.02 | 8.78 | 9.48 | 8.47 |
| — | -92.4% | +2364.4% | +18.0% | -24.6% | +1869.1% | -75.3% | -49.1% | -31.9% | -39.1% | +127.2% | -24.7% | -25.9% | +107.0% | +98.8% | +113.2% | +128.2% | -21.2% | +37.8% | +44.6% | -12.5% | |
| Current Ratio | 0.13 | 0.18 | 0.93 | 0.19 | 0.13 | 0.03 | 0.12 | 0.13 | 0.12 | 0.11 | 0.11 | 0.10 | 0.10 | 0.10 | 0.10 | 0.11 | 0.11 | 0.12 | 0.16 | 0.21 | 0.23 |
| — | +588.4% | +666.0% | +50.7% | +15.1% | -77.3% | +15.0% | +23.9% | +19.4% | +15.1% | +5.0% | -7.5% | -14.6% | -16.1% | -35.9% | -48.7% | -50.0% | -46.6% | -22.6% | +7.2% | +24.0% | |
| Quick Ratio | 0.13 | 0.18 | 0.93 | 0.19 | 0.13 | 0.03 | 0.12 | 0.13 | 0.12 | 0.11 | 0.11 | 0.10 | 0.10 | 0.10 | 0.10 | 0.11 | 0.11 | 0.12 | 0.16 | 0.21 | 0.23 |
| — | +588.4% | +666.0% | +50.7% | +15.1% | -77.3% | +15.0% | +23.9% | +19.4% | +15.1% | +5.0% | -7.5% | -14.6% | -16.1% | -35.9% | -48.7% | -50.0% | -46.6% | -22.6% | +7.2% | +24.0% | |
| Interest Coverage | 0.73 | 2.09 | 0.06 | 1.13 | 1.00 | 0.06 | 0.85 | 1.07 | 0.75 | 0.72 | 0.10 | 0.66 | 0.72 | 1.17 | 1.23 | 1.96 | 4.18 | 8.40 | 7.69 | 6.18 | 6.28 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying NWBI stock.
Northwest Bancshares, Inc.'s current P/E is 11.2x. The average P/E over the last 4 quarters is 10.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Northwest Bancshares, Inc.'s current operating margin is 25.2%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Northwest Bancshares, Inc.'s business trajectory between earnings reports.