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Northwest Bancshares, Inc.

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
$1.86B
P/E (TTM)
15.9
14.8
Dividend Yield
6.3%
52W High
$14.64
52W Low
$10.75
52W Range
51%
Rank51Top 58.4%
3.4
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.4 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$226.10M+13.77%
4-Quarter Trend

EPS

$0.02-92.31%
4-Quarter Trend

FCF

$38.30M-58.91%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Acquisition Integration Complete Completed Penns Woods merger in July 2025, boosting total assets to $16.38B. Recorded preliminary goodwill of $57.4M.
NII and NIM Expansion Q3 FTE Net Interest Income increased 22% to $136.9M, driven by higher earning asset yields, pushing NIM to 3.65%.
Credit Provision Surge Provision for credit losses rose sharply to $31.4M, heavily influenced by the $20.6M Day 1 provision for acquired loans.
Asset Quality Deterioration Nonaccrual loans nearly doubled year-over-year to $129.0M (0.99% ratio), reflecting portfolio mix changes post-acquisition.

Risk Factors

Quarterly Net Income Decline Q3 net income fell 91% to $3.167M, primarily due to $31M in merger and restructuring expenses recognized during the quarter.
Rising Nonaccrual Exposure Nonaccrual loans increased 109% to $129.0M, signaling immediate credit quality pressure from the newly integrated loan portfolio.
Interest Rate Shock Risk Interest rate simulation indicates potential market value of equity could decrease by 13.5% under a 300 bps upward shift.
Intangible Asset Amortization Acquired core deposit intangibles of $48M will contribute to future noninterest expense through accelerated amortization schedules.

Outlook

Capital Adequacy Remains Strong Regulatory capital ratios are robust; Total Capital stands at 15.45%, significantly exceeding minimum well-capitalized requirements.
Expense Normalization Expected Expect noninterest expense to normalize moving forward as significant one-time merger and restructuring costs are absorbed.
Credit Quality Monitoring Provisioning reflects current economic forecasts; management will closely monitor acquired loan portfolio performance for deterioration.
NIM Outlook Supported Higher earning asset yields drove NIM expansion; future margin stability depends on the prevailing interest rate environment.

Peer Comparison

Revenue (TTM)

Banco BBVA Argentina S.A.BBAR
$4.50B
-14.3%
Pinnacle Financial Partners, Inc.PNFP
$2.82B
+2.0%
Bank OZKOZK
$2.80B
+2.5%

Gross Margin (Latest Quarter)

Pinnacle Financial Partners, Inc.PNFP
94.1%
+43.3pp
Enterprise Financial Services CorpEFSC
83.6%
+20.5pp
Nicolet Bankshares, Inc.NIC
70.8%
+4.1pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
PNFP$7.75B12.39.4%4.5%
OZK$5.52B7.812.3%1.1%
BBAR$3.44B16.112.2%3.2%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
2.5%
Moderate Growth
4Q Net Income CAGR
-54.1%
Declining Profitability
Cash Flow Stability
50%
Cash Flow Needs Attention

Research & Insights

Next earnings:Jan 23, 2026
|
EPS:$0.31
|
Revenue:$173.73M
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 10, 2025|
    Revenue: $226.10M+13.8%
    |
    EPS: $0.02-92.3%
    Miss

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 5, 2025|
    Revenue: $201.67M+27.7%
    |
    EPS: $0.26+550.0%
    Miss

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 6, 2025|
    Revenue: $208.62M+11.0%
    |
    EPS: $0.34+47.8%
    Beat

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 25, 2025|
    Revenue: $754.09M+7.7%
    |
    EPS: $0.79-25.5%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 7, 2024|
    Revenue: $198.74M+9.2%
    |
    EPS: $0.26-16.1%
    Meet

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 5, 2024|
    Revenue: $157.95M-8.9%
    |
    EPS: $0.04-84.6%
    Miss

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 3, 2024|
    Revenue: $187.87M+18.5%
    |
    EPS: $0.23-14.8%
    Meet

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 23, 2024|
    Revenue: $700.05M+25.4%
    |
    EPS: $1.06+1.0%
    Beat