Northwest Bancshares, Inc.

NASDAQ•NWBI

CEO: Mr. Louis J. Torchio

セクター: Financial Services

業種: Banks - Regional

上場日: 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.

連絡先情報

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

814-726-2140

www.northwest.bank

時価総額

$1.85B

PER (TTM)

14.7

14.1

配当利回り

6.3%

52週高値

$13.62

52週安値

$10.75

52週レンジ

66%

順位46Top 59.5%

3.5

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

弱い • 3.5 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$240.60M+14.64%

直近4四半期の推移

EPS

$0.31+19.23%

直近4四半期の推移

フリーCF

-$122.79M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

BBAR

$4.50B

-20.1%

PNFP

$2.92B

+2.3%

OZK

$2.81B

+1.1%

粗利益率 (最新四半期)

OFG

80.6%

+14.5pp

TCBK

79.7%

+5.9pp

CHCO

79.3%

+4.6pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
PNFP	$7.03B	11.0	9.5%	4.4%
OZK	$5.24B	7.2	11.9%	1.1%
BBAR	$2.90B	16.1	9.3%	9.8%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

4.9%

緩やかな成長

4四半期純利益CAGR

1.7%

収益性の緩やかな改善

キャッシュフロー安定性

50%

キャッシュフローに注意が必要

深度リサーチ

次回決算:2026年4月27日

EPS:$0.30

売上高:$173.92M

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし