NWBI Stock Analysis: Northwest Bancshares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 2.253m USD | 12M Return: 29.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 16.9M
EPS Trend: 56.2%
Qual. Beats: 1
Rev. Trend: 98.4%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Northwest Bancshares, Inc. (NWBI) is the holding company for Northwest Bank, a state-chartered savings bank headquartered in Columbus, Ohio. Founded in 1896 and publicly traded since 1994, the company provides personal and commercial banking products and services to individuals, businesses, and charitable institutions across Pennsylvania, New York, Ohio, and Indiana.
The companys core activities include accepting deposits (checking, savings, money market, CDs, and IRAs) and originating a diversified loan portfolio. Lending products span one-to-four-family residential mortgages, multi-family and commercial real estate loans, commercial business loans, home equity lines, consumer loans (auto, credit card, personal, and recreational), and indirect auto financing. Beyond traditional banking, NWBI generates fee-based revenue through wealth management, trust and estate services, treasury and cash management, insurance, retirement plan administration, and financial planning.
As a savings bank holding company, Northwest operates under a distinct charter that historically emphasizes residential mortgage lending and consumer deposit gathering, differing in regulatory focus from national commercial banks. The companys geographic concentration in the Mid-Atlantic and Midwest regions ties its performance closely to local economic conditions, including housing demand and small business activity in those markets.
- Net interest margin compresses as deposit costs rise
- Commercial real estate exposure raises credit loss provisions
- Mortgage origination revenue declines amid elevated rates
| Net Income: 153.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.53 > 1.0 |
| NWC/Revenue: 140.4% < 20% (prev -1.33k%; Δ 1.47k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 119.7m > Net Income 153.0m |
| Net Debt (-1.63b) to EBITDA (134.5m): -12.13 < 3 |
| Current Ratio: 1.09 > 1.5 & < 3 |
| Outstanding Shares: last quarter (147.1m) vs 12m ago 14.84% < -2% |
| Gross Margin: 69.33% > 18% (prev 68.30%; Δ 1.03% > 0.5%) |
| Asset Turnover: 5.72% > 50% (prev 5.65%; Δ 0.06% > 0%) |
| Interest Coverage Ratio: 0.57 > 6 (EBIT TTM 134.4m / Interest Expense TTM 236.6m) |
| A: 0.07 (Total Current Assets 15.2b - Total Current Liabilities 13.9b) / Total Assets 17.2b |
| B: 0.04 (Retained Earnings 734.4m / Total Assets 17.2b) |
| C: 0.01 (EBIT TTM 134.4m / Avg Total Assets 15.8b) |
| D: 0.13 (Book Value of Equity 1.93b / Total Liabilities 15.3b) |
| Altman-Z'' = 0.81 = B |
| DSRI: 3.0 (Receivables 13.1b/47.0m, Revenue 906.0m/818.9m) |
| GMI: 0.99 (GM 68.30% / 69.33%) |
| AQI: 0.12 (AQ_t 0.11 / AQ_t-1 0.89) |
| SGI: 1.11 (Revenue 906.0m / 818.9m) |
| TATA: 0.00 (NI 153.0m - CFO 119.7m) / TA 17.2b) |
| Beneish M = -1.84 (Cap -4..+1) = B |
As of July 28, 2026, the stock is trading at USD 15.41 with a total of 1,209,903 shares traded. Over the past week, the price has changed by -0.06%, over one month by +2.26%, over three months by +15.88% and over the past year by +29.49%.
Current recommended Stop Loss: 14.60 (which is 5.3% or 3.1 ATR below the current price).
Northwest Bancshares has received a consensus analysts rating of 3.25. Therefore, it is recommended to hold NWBI.
- StrongBuy: 1
- Buy: 0
- Hold: 7
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 15 | -2.7% |
P/E Trailing = 16.7391
P/E Forward = 13.4048
P/S = 3.6254
P/B = 1.1825
P/EG = 2.2949
Revenue TTM = 906.0m USD
EBIT TTM = 134.4m USD
EBITDA TTM = 134.5m USD
Long Term Debt = 350.4m USD (from longTermDebt, last fiscal year)
Short Term Debt = 340.8m USD (from shortLongTermDebt, last fiscal year)
Debt = 446.3m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -1.63b USD (calculated: Debt 446.3m - CCE 2.08b)
Enterprise Value = 621.9m USD (2.25b + Debt 446.3m - CCE 2.08b)
Interest Coverage Ratio = 0.57 (Ebit TTM 134.4m / Interest Expense TTM 236.6m)
EV/FCF = 5.89x (Enterprise Value 621.9m / FCF TTM 105.6m)
FCF Yield = 16.97% (FCF TTM 105.6m / Enterprise Value 621.9m)
FCF Margin = 11.65% (FCF TTM 105.6m / Revenue TTM 906.0m)
Net Margin = 16.88% (Net Income TTM 153.0m / Revenue TTM 906.0m)
Gross Margin = 69.33% ((Revenue TTM 906.0m - Cost of Revenue TTM 277.9m) / Revenue TTM)
Gross Margin QoQ = none% (prev 72.91%)
Tobins Q-Ratio = 0.04 (Enterprise Value 621.9m / Total Assets 17.2b)
Interest Expense / Debt = 53.02% (Interest Expense 236.6m / Debt 446.3m)
Taxrate = 23.92% (48.1m / 201.1m)
NOPAT = 102.2m (EBIT 134.4m * (1 - 23.92%))
Current Ratio = 1.09 (Total Current Assets 15.2b / Total Current Liabilities 13.9b)
Debt / Equity = 0.23 (Debt 446.3m / totalStockholderEquity, last quarter 1.93b)
Debt / EBITDA = -12.13 (Net Debt -1.63b / EBITDA 134.5m)
Debt / FCF = -15.46 (Net Debt -1.63b / FCF TTM 105.6m)
Total Stockholder Equity = 1.89b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.97% (Net Income 153.0m / Total Assets 17.2b)
RoE = 8.07% (Net Income TTM 153.0m / Total Stockholder Equity 1.89b)
RoCE = 5.98% (EBIT 134.4m / Capital Employed (Equity 1.89b + L.T.Debt 350.4m))
RoIC = 3.18% (NOPAT 102.2m / Invested Capital 3.22b)
WACC = 6.89% (E(2.25b)/V(2.70b) * Re(8.25%) + (debt cost/tax rate unavailable))
Discount Rate = 8.25% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 88.88 | Cagr: 6.53%
[DCF] Terminal Value 73.10% ; FCFF base≈129.7m ; Y1≈113.7m ; Y5≈91.9m
[DCF] Fair Price = 21.23 (EV 1.48b - Net Debt -1.63b = Equity 3.11b / Shares 146.3m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 56.23 | EPS CAGR: 5.10% | SUE: 1.25 | # QB: 1
Revenue Correlation: 98.35 | Revenue CAGR: 12.05% | SUE: 0.37 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.34 | Chg30d=-0.36% | Revisions=+67% | Analysts=8
EPS next Quarter (2026-09-30): EPS=0.34 | Chg30d=+0.00% | Revisions=+30% | Analysts=8
EPS current Year (2026-12-31): EPS=1.38 | Chg30d=-0.11% | Revisions=+70% | GrowthEPS=+9.3% | GrowthRev=+10.2%
EPS next Year (2027-12-31): EPS=1.44 | Chg30d=-0.17% | Revisions=+30% | GrowthEPS=+4.6% | GrowthRev=+4.1%
[Analyst] Revisions Ratio: +63% (up=23, down=4)