Northwest Bancshares, Inc.

NASDAQ•NWBI

執行長: Mr. Louis J. Torchio

板塊: Financial Services

行業: Banks - Regional

上市日期: 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.

聯絡資訊

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

814-726-2140

www.northwest.bank

市值

$1.79B

本益比 (TTM)

14.2

14.6

股息率

6.5%

52周最高

$13.62

52周最低

$10.75

52周範圍

52%

排名46Top 59.5%

3.5

F-Score

改良版 Piotroski 分析

基於 10 年期基本面

疲弱 • 3.5 / 9 分

評分區間 (0-9)

8-9: 價值優異

6-7: 基本面強勁

4-5: 整體穩健

0-3: 表現疲弱

資料區間: 2016-2025

財務儀表板

Q4 2025 數據

營業收入

$240.60M+14.64%

近4季度走勢

每股收益

$0.31+19.23%

近4季度走勢

自由現金流

-$122.79M+0.00%

近4季度走勢

2025 Annual 財報亮點

核心亮點

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.

關注風險

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.

未來展望

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.

同行對比

營業收入 (TTM)

BBAR

$4.53B

-2.6%

PNFP

$2.92B

+2.3%

OZK

$2.81B

+1.1%

毛利率 (最新季度)

BBAR

95.1%

-20.4pp

OFG

80.6%

+14.5pp

TCBK

79.7%

+5.9pp

關鍵指標

股票代碼	市值	本益比 (TTM)	股東權益報酬率 (TTM)	負債率
PNFP	$6.65B	10.4	9.5%	4.4%
OZK	$4.98B	6.9	11.9%	1.1%
BBAR	$2.96B	19.4	7.4%	1.8%

長期趨勢

近4季度

營業收入

淨利

營運現金流

4季度營業收入複合增長率

4.9%

溫和增長

4季度淨利複合增長率

1.7%

盈利能力緩慢提升

現金流穩定性

50%

現金流需要關注

深度研究

下次財報:2026年4月27日

每股收益:$0.30

營業收入:$173.92M

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