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Earnings transcript
Read the complete earnings call transcript.
NWBI
Northwest Bancshares, Inc.
$12.93
0.04
(0.31%)
| Exchange: | NASDAQ |
| Market Cap: | 1.89B |
| Shares Outstanding: | 103.95M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Louis J. Torchio | |||||
| Full Time Employees: | 1996 | |||||
| Address: |
| |||||
| Website: | https://www.northwest.bank |
Northwest Bancshares, Inc. operates as the 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 and loans collateralized by multi-family residential and commercial real estate; commercial business loans; and consumer loans, including automobile loans, sales finance loans, unsecured personal loans, credit card loans, and loans secured by deposit accounts. The company also offers investment management and trust services. As of December 31, 2021, it operated 170 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.
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Revenue Segmentation
EPS
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Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 700,050 | 754,085 | 876,994 |
| Gross Profit | 524,937 | 495,962 | 599,125 |
| EBITDA | 199,575 | 150,886 | 164,771 |
| Operating Income | 175,078 | 129,546 | 164,771 |
| Net Income | 134,957 | 100,278 | 126,013 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 14,419,105 | 14,408,224 | 16,766,617 |
| Total Liabilities | 12,867,788 | 12,811,368 | 14,876,193 |
| Total Stockholders Equity | 1,551,317 | 1,596,856 | 1,890,424 |
| Total Debt | 642,658 | 444,703 | 446,283 |
| Cash and Cash Equivalents | 122,260 | 288,378 | 233,647 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 92,890 | 127,667 | 31,711 |
| Capital Expenditure | -8,564 | -2,308 | 0 |
| Free Cash Flow | 84,326 | 125,359 | 31,711 |
| Net Income | 134,957 | 100,278 | 126,013 |
| Net Change in Cash | -17,105 | 166,118 | -80,758 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 750,126.289 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 755,575.538 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 752,850.914 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 207,776.294 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 209,285.673 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 208,530.983 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 205,725.907 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 214,605.898 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 208,558.120 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 250,191.068 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 252,008.567 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 251,099.817 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 1.420 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 1.460 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 1.400 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 4 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 7 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: Northwest Bancshares reported a GAAP net income of $33.7 million for Q2 2025, reflecting consistent profitability as highlighted in the earnings call transcript. Key metrics such as return on equity (ROE) and return on invested capital (ROIC) from the TTM data indicate efficient use of capital, supporting a stable financial foundation.
- Strong Dividend Yield: The company offers a competitive dividend yield (TTM), as per the key metrics, which is attractive to income-focused investors and signals confidence in sustained cash flows.
- Operational Scale: With a significant market capitalization and a substantial number of full-time employees as per the company profile, NWBI demonstrates a robust operational presence in the banking sector, providing a competitive edge in its industry.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates NWBI intrinsic value between $12.35 – $14.48 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about NWBI valuation
Is Northwest Bancshares, Inc. (NWBI) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Northwest Bancshares, Inc. (NWBI) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is NWBI a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether NWBI trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is NWBI’s P/E ratio?
You can see NWBI’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for NWBI?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is NWBI a good long-term investment?
Whether NWBI fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
NWBI
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
0.31
Trading Metrics:
| Open: | 12.7 | Previous Close: | 12.89 | |
| Day Low: | 12.7 | Day High: | 12.98 | |
| Year Low: | 10.75 | Year High: | 13.62 | |
| Price Avg 50: | 12.68 | Price Avg 200: | 12.45 | |
| Volume: | 1.064M | Average Volume: | 1.355M |
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Login — it's freeNWBI full analysis
Welcome to MARKETSNAP’s SWOT analysis for Northwest Bancshares, also known by its ticker NWBI. If you’re a long-term investor looking to dig into a regional banking player, you’re in the right place. Today, we’re breaking down the strengths, weaknesses, opportunities, and threats for this company, while keeping an eye on what matters most for your portfolio. Let’s dive into who they are, what’s been happening lately, and where they might be headed. First off, for those who might not be…
