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NWBI stock logo

NWBI

Northwest Bancshares, Inc.

$14.8
0.22
 (1.47%)
Exchange:  NASDAQ
Market Cap:  2.165B
Shares Outstanding:  103.95M
Delayed data
Calculate NWBI Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Louis J. Torchio
Full Time Employees:  1996
Address: 
3 Easton Oval
Columbus
OH
43219
US
Website:  https://www.northwest.bank
Northwest Bancshares, Inc. serves as the parent company for Northwest Bank, a state-chartered savings institution offering a full spectrum of banking solutions for both personal and business customers. Its deposit products encompass checking, savings, money market, time deposit certificates, and individual retirement accounts. The bank also provides a broad array of loan options, including mortgages for one-to-four-family homes, financing secured by multi-family and commercial real estate, commercial business credit, and various consumer loans such as auto loans, sales finance agreements, unsecured personal loans, credit cards, and loans collateralized by deposit accounts. Beyond traditional banking, the company furnishes investment management and trust services. Founded in 1896, Northwest Bancshares, Inc. is headquartered in Columbus, Ohio. As of December 31, 2021, it operated 170 community banking locations throughout Pennsylvania, Western New York, Eastern Ohio, and Indiana.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/04/28 — 1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue700,050754,085876,994
Gross Profit524,937495,962599,125
EBITDA199,575150,886164,771
Operating Income175,078129,546164,771
Net Income134,957100,278126,013

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets14,419,10514,408,22416,766,617
Total Liabilities12,867,78812,811,36814,876,193
Total Stockholders Equity1,551,3171,596,8561,890,424
Total Debt642,658444,703446,283
Cash and Cash Equivalents122,260288,378233,647

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow92,890127,66731,711
Capital Expenditure-8,564-2,3080
Free Cash Flow84,326125,35931,711
Net Income134,957100,278126,013
Net Change in Cash-17,105166,118-80,758

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)751,713.873Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)754,345.074Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)752,999.114Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)208,216.036Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)208,944.848Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)208,572.033Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)201,333.590Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)220,437.380Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)211,297.880Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)250,720.578Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)251,598.167Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)251,149.247Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)1.440Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)1.500Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)1.370Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)5Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)7Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
755.855M  ?P/S
 (TTM)
: 
2.3
?Net Income
 (TTM)
: 
100.153M  ?P/E
 (TTM)
: 
15.66
?Enterprise Value
 (TTM)
: 
2.385B  ?EV/FCF
 (TTM)
: 
22.6
?Dividend Yield
 (TTM)
: 
0.06  ?Payout Ratio
 (TTM)
: 
0.86
?ROE
 (TTM)
: 
0.07  ?ROIC
 (TTM)
: 
0.05
?Net Debt
 (TTM)
: 
206.298M  ?Debt/Equity
 (TTM)
: 
0.31
?P/B
 (TTM)
: 
1.09  ?Current Ratio
 (TTM)
: 
0.19

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
10.72Full AccessFull AccessFull AccessFull Access

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SWOT 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.

[intrinsic_calculator]

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

1.47
MARKETSnap

Trading Metrics:

Open: 14.6   Previous Close: 14.58
Day Low: 14.6   Day High: 14.8
Year Low: 11.25   Year High: 14.8
Price Avg 50: 13.73   Price Avg 200: 12.73
Volume: 699179   Average Volume: 1.273M

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NWBI full analysis

28/10/2025

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…

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See in Nexus

Relevant news

Northwest Bancshares (NWBI) Upgraded to Buy: Here's What You Should Know
30-04-2026 13:01
Northwest Bancshares (NWBI) Upgraded to Buy: Here's What You Should Know
Northwest Bancshares, Inc. (NWBI) Q1 2026 Earnings Call Transcript
28-04-2026 13:31
Northwest Bancshares, Inc. (NWBI) Q1 2026 Earnings Call Transcript
Compared to Estimates, Northwest Bancshares (NWBI) Q1 Earnings: A Look at Key Metrics
27-04-2026 19:31
Compared to Estimates, Northwest Bancshares (NWBI) Q1 Earnings: A Look at Key Metrics
Northwest Bancshares, Inc. Announces First Quarter 2026 Earnings Call Details
07-04-2026 16:05
Northwest Bancshares, Inc. Announces First Quarter 2026 Earnings Call Details
Northwest Bancshares, Inc. to Present at the 2026 Raymond James & Associates 47th Annual Institutional Investors Conference on March 04, 2026
26-02-2026 17:07
Northwest Bancshares, Inc. to Present at the 2026 Raymond James & Associates 47th Annual Institutional Investors Conference on March 04, 2026
Northwest Bancshares, Inc. (NWBI) Q4 2025 Earnings Call Transcript
27-01-2026 12:42
Northwest Bancshares, Inc. (NWBI) Q4 2025 Earnings Call Transcript

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