Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Northwest Bancshares, Inc.'s quarterly P/E stands at 9.7x, down 23.7% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 18.4% YoY to 8.1x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 15.03 | 9.68 | 138.28 | 12.29 | 8.84 | 12.68 | 12.87 | 72.19 | 12.66 | 13.57 | 8.25 | 10.19 | 11.57 |
| — | -23.7% | +974.8% | -83.0% | -30.2% | -6.5% | +55.9% | +608.3% | +9.5% | +4.8% | -29.2% | -17.2% | -24.7% | |
| P/S Ratio | 2.31 | 1.83 | 1.93 | 2.03 | 1.85 | 1.98 | 2.18 | 2.17 | 1.98 | 2.13 | 1.79 | 1.94 | 2.46 |
| — | -7.6% | -11.1% | -6.7% | -6.6% | -7.1% | +21.8% | +12.0% | -19.5% | -26.3% | -40.3% | -35.9% | -31.2% | |
| P/B Ratio | 1.07 | 0.93 | 0.94 | 1.00 | 0.95 | 1.04 | 1.09 | 0.88 | 0.96 | 1.02 | 0.87 | 0.89 | 1.03 |
| — | -10.5% | -13.3% | +13.2% | -1.1% | +1.7% | +25.3% | -1.1% | -7.0% | -15.0% | -27.1% | -19.1% | -9.7% | |
| P/FCF | 14.27 | 120.41 | 11.42 | — | 3.64 | — | 4.64 | 7.76 | 5.70 | 10.38 | — | 16.62 | 13.05 |
| — | — | +146.1% | — | -36.0% | — | — | -53.3% | -56.4% | +42.6% | — | +99.1% | — | |
| EV / EBITDA | 13.57 | 8.13 | 148.10 | 10.04 | 7.14 | 9.97 | 9.63 | 33.18 | 11.87 | 11.74 | 8.51 | 10.43 | 12.97 |
| — | -18.4% | +1438.0% | -69.8% | -39.9% | -15.1% | +13.2% | +218.2% | -8.5% | -13.0% | -13.2% | +17.2% | +115.6% | |
| EV / EBIT | 13.57 | 8.13 | 150.15 | 10.28 | 7.21 | 10.73 | 11.22 | 68.52 | 13.33 | 14.29 | 9.80 | 12.02 | 13.60 |
| — | -24.2% | +1238.3% | -85.0% | -45.9% | -25.0% | +14.5% | +470.2% | -2.0% | +0.3% | -2.1% | +37.4% | +105.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Northwest Bancshares, Inc.'s operating margin was 25.2% in Q4 2025, up 23.7 pp QoQ and up 5.0 pp YoY. The trailing four-quarter average of 18.9% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 11.1% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 68.3% | 72.4% | 60.2% | 69.8% | 70.9% | 65.2% | 67.3% | 62.2% | 67.9% | 68.3% | 75.7% | 74.4% | 82.7% |
| — | +11.1% | -10.5% | +12.3% | +4.4% | -4.6% | -11.1% | -16.5% | -17.8% | -21.7% | -14.2% | -18.6% | -13.1% | |
| Operating Margin | 18.8% | 25.2% | 1.5% | 21.9% | 27.1% | 20.2% | 21.9% | 3.8% | 20.1% | 19.8% | 27.9% | 25.1% | 27.7% |
| — | +24.9% | -93.0% | +480.0% | +34.9% | +2.0% | -21.4% | -85.0% | -27.6% | -32.1% | -18.0% | -21.1% | -6.0% | |
| Net Margin | 14.4% | 19.0% | 1.4% | 16.7% | 20.8% | 15.6% | 16.9% | 3.0% | 15.5% | 15.6% | 21.6% | 19.1% | 21.2% |
| — | +21.8% | -91.7% | +454.4% | +34.2% | +0.2% | -21.5% | -84.2% | -26.9% | -30.2% | -16.2% | -22.5% | -8.6% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.2% | 2.4% | 0.2% | 2.1% | 2.7% | 2.1% | 2.1% | 0.3% | 1.9% | 1.9% | 2.6% | 2.2% | 2.2% |
| — | +18.8% | -91.5% | +574.2% | +43.4% | +8.0% | -18.0% | -86.0% | -16.2% | -19.0% | +3.2% | -1.4% | +23.1% | |
| ROA | 0.8% | 0.3% | 0.0% | 0.2% | 0.3% | 0.2% | 0.2% | 0.0% | 0.2% | 0.2% | 0.3% | 0.2% | 0.2% |
| — | +21.1% | -91.2% | +607.3% | +49.4% | +12.9% | -14.6% | -85.8% | -15.3% | -18.3% | +3.2% | -0.9% | +21.6% | |
| ROIC | 5.6% | 1.9% | 0.1% | 1.6% | 2.1% | 1.6% | 1.6% | 0.2% | 1.3% | 1.2% | 1.6% | 1.4% | 1.4% |
| — | +21.6% | -92.9% | +657.3% | +59.9% | +27.9% | -0.4% | -84.5% | -5.0% | -24.1% | -20.0% | -21.6% | -2.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Northwest Bancshares, Inc.'s Debt/EBITDA ratio is 7.4x, down from 174.3x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 15.1% YoY to 0.13x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.24 | 0.24 | 0.33 | 0.27 | 0.27 | 0.28 | 0.28 | 0.31 | 0.42 | 0.41 | 0.57 | 0.58 | 0.62 |
| — | -15.2% | +17.2% | -13.7% | -34.7% | -32.8% | -50.2% | -46.1% | -32.6% | -33.2% | +133.9% | +131.9% | +150.7% | |
| Debt / EBITDA | 2.71 | 7.35 | 174.32 | 9.80 | 7.73 | 9.75 | 8.85 | 39.64 | 15.21 | 14.32 | 14.53 | 17.44 | 20.20 |
| — | -24.6% | +1869.1% | -75.3% | -49.1% | -31.9% | -39.1% | +127.2% | -24.7% | -25.9% | +107.0% | +98.8% | +113.2% | |
| Current Ratio | 0.13 | 0.13 | 0.03 | 0.12 | 0.13 | 0.12 | 0.11 | 0.11 | 0.10 | 0.10 | 0.10 | 0.10 | 0.11 |
| — | +15.1% | -77.3% | +15.0% | +23.9% | +19.4% | +15.1% | +5.0% | -7.5% | -14.6% | -16.1% | -35.9% | -48.7% | |
| Quick Ratio | 0.13 | 0.13 | 0.03 | 0.12 | 0.13 | 0.12 | 0.11 | 0.11 | 0.10 | 0.10 | 0.10 | 0.10 | 0.11 |
| — | +15.1% | -77.3% | +15.0% | +23.9% | +19.4% | +15.1% | +5.0% | -7.5% | -14.6% | -16.1% | -35.9% | -48.7% | |
| Interest Coverage | 0.73 | 1.00 | 0.06 | 0.85 | 1.07 | 0.75 | 0.72 | 0.10 | 0.66 | 0.72 | 1.17 | 1.23 | 1.96 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Northwest Bancshares, Inc.'s current P/E is 15.0x. The average P/E over the last 4 quarters is 42.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Northwest Bancshares, Inc.'s current operating margin is 18.8%. Margins have been compressing 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.