A Business at a Glance
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Northwest Bancshares, Inc.
NWBI
$2.1B
Mkt Cap
$15.40
+0.72%
Northwest Bancshares, Inc. (NWBI) has a current P/E ratio of 16.7, compared to its historical median P/E of 11.0. The stock is currently considered Expensive based on its historical valuation range.
Northwest Bancshares, Inc. (NWBI) has a 5-year average return on invested capital (ROIC) of 8.1%. This is below average and may indicate limited pricing power.
Northwest Bancshares, Inc. (NWBI) has a market capitalization of $2.3B. It is classified as a mid-cap stock.
Yes, Northwest Bancshares, Inc. (NWBI) pays a dividend with a trailing twelve-month yield of 5.05%.
Based on historical P/E analysis, Northwest Bancshares, Inc. (NWBI) appears expensive. The current P/E of 16.7 is 52% above its historical median of 11.0. The estimated fair value CAGR (P/E method) is 1.0%.
Northwest Bancshares, Inc. (NWBI) operates in the National Commercial Banks industry, within the Financials sector.
Northwest Bancshares, Inc. (NWBI) reported annual revenue of $879 million in its most recent fiscal year, based on SEC EDGAR filings.
Northwest Bancshares, Inc. Northwest Bancshares, Inc., a Maryland corporation, was incorporated in 2009 to be the successor corporation to Northwest Bancorp, Inc., the former stock holding company for Northwest Bank, upon completion of the mutual-to-stock conversion of Northwest Bancorp, MHC. The terms “Northwest”, “the Company”, “we”, “us” and “our” refer to Northwest Bancshares, Inc., unless indicated otherwise by the context. The conversion was completed in 2009 when the Company sold 68,878,267 shares of common stock at $10.00 per share in the related offering. Concurrent with the completion of the offering, shares of Northwest Bancorp, Inc. common stock owned by public stockholders were exchanged for shares of Northwest Bancshares, Inc.’s common stock. We also issued 1,277,565 shares of common stock and contributed $1.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 674M | 879M | 756M | 702M | 560M | 561M |
| Net Income | 133M | 126M | 100M | 135M | 133M | 153M |
| EPS | $0.94 | $0.92 | $0.79 | $1.06 | $1.05 | $1.21 |
| Free Cash Flow | 106M | 142M | 125M | 84M | 171M | 188M |
| ROIC | 6.9% | 7.2% | 6.4% | 8.8% | 8.7% | 9.4% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | -0.02 | -0.04 | 0.13 | 0.26 | 0.46 | 0.09 |
| Dividends/Share | $0.78 | $0.80 | $0.80 | $0.80 | $0.80 | $0.79 |
| Operating Income | 13M | 12M | 20M | 12M | 15M | 12M |
| Operating Margin | 2.0% | 1.4% | 2.6% | 1.7% | 2.7% | 2.1% |
| ROE | 7.0% | 7.2% | 6.4% | 8.8% | 8.7% | 9.8% |
| Shares Outstanding | 146M | 137M | 127M | 127M | 127M | 127M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 376M | 388M | 431M | 469M | 467M | 517M | 566M | 561M | 560M | 702M | 756M | 879M | 674M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 116M | 120M | 143M | 152M | 152M | 163M | 178M | 194M | 188M | 196M | 214M | 238M | 14M |
| EBIT | 4.1M | 4.3M | 5.8M | 8.7M | 9.6M | 11M | 8.6M | 12M | 15M | 12M | 20M | 12M | 13M |
| Op. Margin | 1.1% | 1.1% | 1.3% | 1.9% | 2.1% | 2.0% | 1.5% | 2.1% | 2.7% | 1.7% | 2.6% | 1.4% | 2.0% |
| Net Income | 62M | 61M | 50M | 94M | 105M | 110M | 75M | 153M | 133M | 135M | 100M | 126M | 133M |
| Net Margin | 16.5% | 15.6% | 11.5% | 20.1% | 22.6% | 21.4% | 13.2% | 27.3% | 23.8% | 19.2% | 13.2% | 14.3% | 19.8% |
| Non-Recurring | 2.3M | 2.9M | 1.5M | 18M | 1.5M | 607K | 321K | 25M | 0 | 0 | -39M | 178K | 178K |
| Returns on Capital | |||||||||||||
| ROIC | 5.5% | 5.1% | 4.0% | 7.9% | 8.6% | 8.5% | 5.0% | 9.4% | 8.7% | 8.8% | 6.4% | 7.2% | 6.9% |
| ROE | 5.6% | 5.4% | 4.3% | 7.9% | 8.6% | 8.5% | 5.2% | 9.8% | 8.7% | 8.8% | 6.4% | 7.2% | 7.0% |
| ROA | 0.8% | 0.7% | 0.5% | 1.0% | 1.1% | 1.1% | 0.6% | 1.1% | 0.9% | 0.9% | 0.7% | 0.8% | 0.8% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 91M | 113M | 136M | 152M | 139M | 127M | 140M | 205M | 175M | 93M | 128M | 153M | 120M |
| Free Cash Flow | 81M | 100M | 120M | 148M | 134M | 117M | 128M | 188M | 171M | 84M | 125M | 142M | 106M |
| Owner Earnings | 73M | 94M | 111M | 135M | 120M | 109M | 124M | 189M | 159M | 76M | 111M | 135M | 104M |
| CapEx | 10.0M | 13M | 15M | 3.7M | 5.2M | 11M | 12M | 18M | 4.3M | 8.6M | 2.3M | 12M | 14M |
| Maint. CapEx | 12M | 13M | 14M | 12M | 12M | 12M | 12M | 12M | 12M | 12M | 11M | 12M | 10M |
| Growth CapEx | 0 | 0 | 1.5M | 0 | 0 | 0 | 354K | 5.4M | 0 | 0 | 0 | 0 | 4.1M |
| D&A | 12M | 13M | 14M | 12M | 12M | 12M | 12M | 12M | 12M | 12M | 11M | 12M | 10M |
| CapEx/OCF | 11.0% | 11.7% | 11.1% | 2.4% | 3.8% | 8.6% | 8.7% | 8.5% | 2.5% | 9.2% | 1.8% | 7.6% | 11.8% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 150M | 53M | 60M | 65M | 70M | 76M | 93M | 100M | 101M | 102M | 102M | 110M | 114M |
| Dividend Yield | 23.3% | 7.9% | 6.9% | 6.3% | 6.2% | 6.4% | 9.6% | 7.7% | 7.4% | 8.1% | 7.2% | 6.8% | 5.1% |
| Share Buybacks | 5.3M | 7.8M | 1.8M | 0 | 0 | 0 | 9.3M | 24M | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | 0.8% | 1.1% | 0.2% | N/A | N/A | N/A | 0.8% | 1.7% | N/A | N/A | N/A | N/A | 0.0% |
| Stock-Based Comp | 5.7M | 5.6M | 11M | 4.9M | 7.0M | 6.8M | 4.2M | 4.7M | 4.1M | 4.6M | 6.1M | 6.1M | 5.1M |
| Debt Repayment | 52K | 173M | 775M | 0 | 0 | 0 | 207M | 22M | 10M | 0 | 0 | 35M | 35M |
| Balance Sheet | |||||||||||||
| Net Debt | 647M | 808M | -247M | -762M | -636M | -634M | -1.9B | -1.1B | 542M | 277M | -88M | -311M | -334M |
| Cash & Equiv. | 241M | 167M | 390M | 78M | 69M | 61M | 736M | 1.3B | 139M | 122M | 288M | 234M | 287M |
| Long-Term Debt | 0 | 135M | 0 | 0 | 0 | 0 | 123M | 0 | 0 | 0 | 0 | 35M | 24M |
| Debt/Equity | 0.84 | 0.84 | 0.12 | 0.09 | 0.19 | 0.18 | 0.18 | 0.09 | 0.46 | 0.26 | 0.13 | -0.04 | -0.02 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.5 |
| Equity | 1.1B | 1.2B | 1.2B | 1.2B | 1.3B | 1.4B | 1.5B | 1.6B | 1.5B | 1.6B | 1.6B | 1.9B | 1.9B |
| Total Assets | 7.8B | 9.0B | 9.6B | 9.4B | 9.6B | 10.5B | 13.8B | 14.5B | 14.1B | 14.4B | 14.4B | 16.8B | 16.9B |
| Total Liabilities | 6.7B | 7.8B | 8.5B | 8.2B | 8.4B | 9.1B | 12.3B | 12.9B | 12.6B | 12.9B | 12.8B | 14.9B | 15.0B |
| Intangibles | 3.0M | 9.0M | 32M | 26M | 20M | 23M | 20M | 13M | 8.6M | 5.3M | 2.8M | 40M | 37M |
| Retained Earnings | 482M | 489M | 479M | 508M | 550M | 583M | 555M | 610M | 642M | 675M | 673M | 689M | 710M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.67 | 0.64 | 0.49 | 0.92 | 1.02 | 1.04 | 0.62 | 1.21 | 1.05 | 1.06 | 0.79 | 0.92 | 0.94 |
| Owner EPS | 0.79 | 1.00 | 1.10 | 1.31 | 1.16 | 1.03 | 1.03 | 1.49 | 1.26 | 0.60 | 0.87 | 0.99 | 0.71 |
| Book Value | 11.49 | 12.30 | 11.55 | 11.76 | 12.16 | 12.74 | 12.74 | 12.50 | 11.77 | 12.22 | 12.60 | 13.81 | 13.02 |
| Cash Flow/Share | 0.98 | 1.20 | 1.34 | 1.48 | 1.34 | 1.20 | 1.16 | 1.62 | 1.38 | 0.73 | 1.01 | 1.12 | 0.98 |
| Dividends/Share | 1.62 | 0.56 | 0.60 | 0.64 | 0.68 | 0.72 | 0.76 | 0.79 | 0.80 | 0.80 | 0.80 | 0.80 | 0.78 |
| Shares Out. | 92.5M | 94.6M | 101.4M | 102.7M | 103.4M | 106.2M | 120.7M | 126.7M | 126.7M | 127.0M | 126.8M | 136.9M | 146.3M |
| Valuation | |||||||||||||
| P/E Ratio | 10.2 | 12.1 | 22.1 | 11.4 | 10.7 | 10.7 | 14.9 | 8.9 | 10.7 | 10.4 | 15.5 | 13.1 | 16.3 |
| P/FCF | 7.9 | 7.3 | 9.1 | 7.3 | 8.4 | 10.1 | 8.7 | 7.3 | 8.3 | 16.6 | 12.4 | 11.7 | 21.3 |
| EV/EBIT | 351.5 | 376.5 | 80.0 | 35.9 | 51.0 | 52.0 | N/A | N/A | N/A | N/A | N/A | N/A | 143.0 |
| Price/Book | 0.6 | 0.6 | 0.9 | 0.9 | 0.9 | 0.9 | 0.7 | 0.9 | 1.0 | 0.9 | 1.0 | 0.9 | 1.2 |
| Price/Sales | 2.0 | 2.0 | 2.2 | 2.3 | 2.6 | 2.6 | 1.8 | 2.4 | 2.6 | 2.3 | 2.7 | 2.5 | 3.3 |
| FCF Yield | 12.7% | 13.7% | 11.0% | 13.8% | 11.9% | 9.9% | 11.5% | 13.7% | 12.0% | 6.0% | 8.1% | 8.6% | 4.7% |
| Market Cap | 633M | 732M | 1.1B | 1.1B | 1.1B | 1.2B | 1.1B | 1.4B | 1.4B | 1.4B | 1.6B | 1.7B | 2.3B |
| Avg. Price | 6.97 | 7.07 | 8.65 | 10.08 | 10.89 | 11.26 | 8.02 | 10.23 | 10.87 | 9.83 | 11.20 | 11.82 | 15.40 |
| Year-End Price | 6.85 | 7.74 | 10.84 | 10.47 | 10.88 | 11.14 | 9.21 | 10.78 | 11.24 | 11.00 | 12.23 | 12.07 | 15.40 |
Northwest Bancshares, Inc. passes 4 of 9 quality checks, suggesting mixed fundamentals.
Northwest Bancshares, Inc. trades at 16.7x trailing earnings, compared to its 15-year median P/E of 11.0x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 15.9x vs a median of 8.9x. The company's 5-year average ROIC is 8.1%. Total shareholder yield (dividends) is 5.1%. At current prices, the estimated annualized return to fair value is -2.9%.
Northwest Bancshares, Inc. (NWBI) has a net profit margin of 14.3%. This is a healthy margin.
Northwest Bancshares, Inc. (NWBI) generated $142 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Northwest Bancshares, Inc. (NWBI) reported earnings per share (EPS) of $0.92 in its most recent fiscal year.
Northwest Bancshares, Inc. (NWBI) has a return on equity (ROE) of 7.2%. This indicates moderate shareholder returns.
The Ledger Terminal provides 16 years of financial data for Northwest Bancshares, Inc. (NWBI), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Northwest Bancshares, Inc. (NWBI) has a book value per share of $13.81, based on its most recent annual SEC filing.