Northwest Bancshares, Inc.

NASDAQ•NWBI

CEO: Mr. Louis J. Torchio

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 1994-11-07

Northwest Bancshares, Inc. operates as the bank 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, shorter term consumer loans, and loans collateralized by multi-family residential and commercial real estate; home equity loans and lines of credit; commercial business and real estate loans; commercial loans; and consumer loans, including automobile loans, sales finance loans, unsecured personal loans, credit card loans, and loans secured by investment accounts, as well as investment management and trust services. The company operates 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.

Contact Information

3 Easton Oval, Suite 500, Columbus, OH, 43219, United States

814-726-2140

www.northwest.bank

Market Cap

$1.79B

P/E (TTM)

14.3

14.4

Dividend Yield

6.5%

52W High

$13.62

52W Low

$10.75

52W Range

52%

Rank46Top 59.5%

3.5

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Weak • 3.5 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$240.60M+14.64%

4-Quarter Trend

EPS

$0.31+19.23%

4-Quarter Trend

FCF

-$122.79M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income Rises 26% Net income reached $126.0M, up 26% from $100.3M in 2024, driven by strong NII increase and acquisition benefits.

FTE NIM Improves 43 BPS FTE Net Interest Margin expanded to 3.69% (up 43 bps), benefiting from higher earning asset yields post-acquisition.

Acquisition Drives Asset Scale Total assets grew to $16.8B, fueled by the July 2025 Penns Woods acquisition, adding $1.8B in loans and deposits.

Credit Provisioning Increases Provision for credit losses rose 127% to $55.6M, reflecting Day 1 acquisition provisioning and portfolio growth.

Risk Factors

Credit Quality Deterioration NPL ratio increased to 0.84% from 0.56%, signaling higher credit risk exposure in the larger, acquired loan book.

Higher Credit Loss Provision Provision for credit losses jumped 127% to $55.6M, driven by acquisition accounting and organic commercial loan growth.

Interest Rate Sensitivity Risk Exposure remains to adverse effects on NII from sustained high interest rates or rapid shifts in the yield curve.

Regulatory Compliance Costs Heightened legislative scrutiny, especially regarding data privacy and cybersecurity, increases ongoing compliance costs.

Outlook

Focus on Merger Integration Management focus remains on successfully integrating Penns Woods operations and realizing expected cost synergies.

Capital Strength Remains Robust Capital ratios remain well above regulatory minimums despite growth and the ongoing CECL phase-in requirements.

Economic Headwinds Persist Performance remains subject to general economic conditions, potential recessionary pressures, and inflation impacts on borrowers.

Managing Deposit Costs The company must manage deposit costs effectively as funding needs increase to support continued loan and asset growth.

Peer Comparison

Revenue (TTM)

BBAR

$4.53B

-2.6%

PNFP

$2.92B

+2.3%

OZK

$2.81B

+1.1%

Gross Margin (Latest Quarter)

BBAR

95.1%

-20.4pp

OFG

80.6%

+14.5pp

TCBK

79.7%

+5.9pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
PNFP	$6.42B	10.0	9.5%	4.4%
OZK	$4.90B	6.8	11.9%	1.1%
BBAR	$2.91B	19.2	7.4%	1.8%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

4.9%

Moderate Growth

4Q Net Income CAGR

1.7%

Profitability Slowly Improving

Cash Flow Stability

50%

Cash Flow Needs Attention

Deep Research

Next earnings:Apr 27, 2026

EPS:$0.30

Revenue:$173.92M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data