insiderdelta
CoverageForm 410-K10-Q8-K13D13G13F

NWBI · Northwest Bancshares, Inc. - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · NWBI

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AnnualQuarterly

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue------
Cost of Revenue------
Gross Profit------
R&D------
SG&A$13.60M$12.43M$12.96M$13.32M$13.77M$15.73M
Total Operating Expenses------
D&A$12.00M$11.00M$11.50M$11.60M$12.10M$11.90M
Operating Income$162.79M$129.55M$175.08M$173.69M$92.53M$92.53M
Interest Expense--$152.24M$28.12M$27.25M$42.34M
Income Tax$36.78M$29.27M$40.12M$40.03M$46.80M$17.67M
Net Income$126.01M$100.28M$134.96M$133.67M$74.85M$74.85M
EPS - Basic$0.93$0.79$1.06$1.05$1.22$0.62
EPS - Diluted$0.92$0.79$1.06$1.05$1.21$0.62

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash & Equivalents$233.65M$288.38M$122.26M$139.37M$1.28B$736.28M
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets------
Total Assets$16.77B$14.41B$14.42B$14.11B$14.50B$13.81B
Current Liabilities------
Long-term Debt------
Total Liabilities$14.88B$12.81B$12.87B$12.62B$12.92B$12.27B
Stockholders' Equity$1.89B$1.60B$1.55B$1.49B$1.58B$1.54B
Retained Earnings$689.21M$673.11M$674.69M$641.73M$609.53M$555.48M

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Operating Cash Flow$153.41M$127.67M$92.89M$175.43M$205.46M$140.44M
Investing Cash Flow($127.35M)$174.97M($239.68M)($917.42M)($232.97M)($560.58M)
Financing Cash Flow($80.79M)($136.52M)$129.69M($397.90M)$570.49M$1.10B
CapEx$11.63M$2.31M$8.56M$4.32M$17.52M$12.25M
Free Cash Flow$141.78M$125.36M$84.33M$171.11M$187.94M$128.18M

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin------
EBITDA margin------
Net margin------
Free cash flow margin------
FCF / Net income1.131.250.621.282.511.71
R&D / Revenue------
SG&A / Revenue------
Effective tax rate22.6%22.6%22.9%23.0%38.5%19.1%
Return on assets0.8%0.7%0.9%0.9%0.5%0.5%
Return on equity6.7%6.3%8.7%9.0%4.7%4.9%
Return on invested capital------
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity------
Debt / Assets------
Debt / EBITDA------
Interest coverage--1.2x6.2x3.4x2.2x
Equity multiplier8.879.029.299.469.168.97
Liabilities / Assets0.890.890.890.890.890.89
Efficiency
Asset turnover------
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E13.0x16.7x11.8x13.3x11.7x20.5x
P / B--1.0x1.2x1.1x1.0x
P / S------
EV / EBITDA--7.8x8.8x5.0x7.6x
Growth
Revenue growth (YoY)------
Revenue CAGR (3y)------
Revenue CAGR (5y)------
Gross profit growth (YoY)------
Operating income growth (YoY)25.7%-26.0%0.8%87.7%0.0%-34.4%
Net income growth (YoY)25.7%-25.7%1.0%78.6%0.0%-32.2%
EPS growth (YoY)16.5%-25.5%1.0%-13.2%95.2%-40.4%
EPS CAGR (3y)-4.3%-13.2%19.6%0.3%5.9%-12.3%
EPS CAGR (5y)8.2%-5.4%0.8%2.7%19.8%-0.6%
FCF growth (YoY)13.1%48.7%-50.7%-9.0%46.6%10.0%
FCF CAGR (5y)2.0%1.5%-8.8%2.4%9.1%1.8%
Book value growth (YoY)18.4%2.9%4.0%-5.8%2.9%13.7%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Business segments

$878.94M total
Banking Segment$878.94M · 100.0%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

4/9
Neutral
  • ✓Net income positive
  • ✓Operating cash flow positive
  • ✓ROA improved YoY
  • ✓Cash flow > net income
  • -Long-term debt decreased
  • -Current ratio improved
  • -No share dilution
  • -Gross margin improved
  • -Asset turnover improved

Peer comparison

Same SIC group: National Commercial Banks

CompanyRevenue (last FY)Net marginROE
HBAN---
UMBF--9.1%
ZION$662.00M135.8%12.5%
JPM$182.45B31.3%15.7%
SFNC$5.63M-7060.1%-11.6%

Comparing Northwest Bancshares against the 5 most active filers in the same SIC group.

Dividends

$0.80/share trailing 12 months · 0.0% YoY

Ex-datePer share
May 7, 2026$0.2000
Feb 5, 2026$0.2000
Nov 6, 2025$0.2000
Aug 8, 2025$0.2000
May 8, 2025$0.2000
Feb 3, 2025$0.2000
Nov 8, 2024$0.2000
Aug 2, 2024$0.2000
May 1, 2024$0.2000
Feb 1, 2024$0.2000
Nov 1, 2023$0.2000
Aug 2, 2023$0.2000
May 3, 2023$0.2000
Feb 1, 2023$0.2000
Nov 2, 2022$0.2000
Aug 3, 2022$0.2000
May 4, 2022$0.2000
Feb 2, 2022$0.2000
Nov 4, 2021$0.2000
Aug 4, 2021$0.2000
May 5, 2021$0.2000
Feb 3, 2021$0.1900
Nov 4, 2020$0.1900
Aug 5, 2020$0.1900