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Northwest Bancshares, Inc. (NWBI) stock analysis

NWBINasdaqNational Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 17/30
$15.12−0.01 (-0.07%)

Close on Nov 13, 2026Market cap $2.21BP/E –Yield 5.29%

StockData Score

Prices as of Nov 13, 2026How the score works

Value2Growth2Performance3Health5Dividend5

Solid17 of 30 checks passed

Northwest Bancshares passes 17 of the 30 checks behind our score; 7 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
2/6
Growth
2/6
Past performance
3/6
Financial health
5/6
Dividend
5/6

What stands out

  • Earnings grew over 5 years

    Net income grew 11.0% a year on average over the last five fiscal years.

  • Earnings growth accelerating

    Net income grew 77.4% over the last twelve months, against a 5-year average of 11.0% a year.

  • Covered by earnings

    Dividends take 58.8% of net income.

  • Dividend not cut

    The dividend per share has not fallen by more than 10% in any of the last 10 fiscal years.

What to watch

  • Return on equity under 15%

    Return on equity was 10.7% over the last twelve months and averaged 8.2% over five years; we look for 15% on both.

  • Revenue growing under 10% a year

    Revenue grew 7.2% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -4.3% a year over the last three fiscal years.

  • Not covered by free cash flow

    Dividends take 99.6% of free cash flow.

Valuation2/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S below the industry

    Northwest Bancshares's price-to-sales of 3.07 is below the Commercial Banks median of 3.60.

  • P/B below the industry

    Northwest Bancshares's price-to-book of 1.17 is below the Commercial Banks median of 1.28.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth2/6

  • Revenue growing under 10% a year

    Revenue grew 7.2% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -4.3% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 77.4% over the last twelve months, against a 5-year average of 11.0% a year.

  • Growing faster than the industry

    Revenue grew 14.6% over the last twelve months; the Commercial Banks median is 11.3%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance3/6

  • Return on equity under 15%

    Return on equity was 10.7% over the last twelve months and averaged 8.2% over five years; we look for 15% on both.

  • Return on assets over 1%

    Return on assets was 1.2%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    Northwest Bancshares's return on equity of 10.7% is below the Commercial Banks median of 11.6%.

  • Earnings grew over 5 years

    Net income grew 11.0% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was 27.8% over the last twelve months, against a 5-year average of 23.4%.

  • Net margin below the industry

    Northwest Bancshares's net margin of 27.8% is below the Commercial Banks median of 30.3%.

Financial health5/6

  • Well capitalized

    Equity is 10.9% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Loans equal 92.8% of deposits, so lending is funded by customer deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is 1.1% of loans; we look for at least 1%.

  • Efficient operations

    Non-interest expense takes 59.7% of revenue; under 60% is efficient for a bank.

  • Deposits growing

    Deposits grew 4.2% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend5/6

  • Pays a dividend

    Northwest Bancshares paid dividends worth 5.3% of the share price over the last twelve months.

  • Yield above Treasuries

    The 5.3% yield is above the 4.7% on a 1-year Treasury.

  • Yield in the top quarter

    The top quarter of US dividend payers yield 3.8% or more; Northwest Bancshares yields 5.3%.

  • Dividend not cut

    The dividend per share has not fallen by more than 10% in any of the last 10 fiscal years.

  • Covered by earnings

    Dividends take 58.8% of net income.

  • Not covered by free cash flow

    Dividends take 99.6% of free cash flow.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Northwest Bancshares. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 11.4
  • Commercial Banks median 12.1

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Medium risk

Average value traded per day
$16.99M
Value traded per 1% price move
$18.22M

Downside

Low risk

Typical loss in a bad month
6.8%
Volatility (annualized)
21%
Sharpe ratio, 1 year
1.11
Beta to the S&P 500 (5Y)
0.54

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

19.2%+5.0 pts over 5 years

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