Northwest Bancshares Financials

NWBI Stock  USD 12.05  0.05  0.42%   
Based on the key indicators related to Northwest Bancshares' liquidity, profitability, solvency, and operating efficiency, Northwest Bancshares may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. As of now, Northwest Bancshares' Accounts Payable is increasing as compared to previous years. The Northwest Bancshares' current Cash is estimated to increase to about 317.2 M, while Total Assets are projected to decrease to under 8.3 B. Key indicators impacting Northwest Bancshares' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.230.1927
Fairly Up
Pretty Stable
Return On Assets0.00630.007
Moderately Down
Very volatile
Return On Equity0.08320.0628
Significantly Up
Slightly volatile
Debt Equity Ratio0.260.2785
Significantly Down
Slightly volatile
Operating Income19 M20 M
Notably Down
Pretty Stable
Current Ratio51.5954.31
Notably Down
Slightly volatile
The essential information of the day-to-day investment outlook for Northwest Bancshares includes many different criteria found on its balance sheet. An individual investor should monitor Northwest Bancshares' cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Northwest Bancshares.

Net Income

66.62 Million

  

Northwest Bancshares Stock Summary

Northwest Bancshares competes with ST Bancorp, Enterprise Financial, First Bancshares,, First Bancorp, and First Commonwealth. Northwest Bancshares, Inc. operates as the holding company for Northwest Bank, a state-chartered savings bank that provides personal and business banking solutions. Northwest Bancshares, Inc. was founded in 1896 and is headquartered in Columbus, Ohio. Northwest Bancshares operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 2191 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS6673401039
CUSIP667340103 667328108
LocationPennsylvania; U.S.A
Business Address3 Easton Oval,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.northwest.bank
Phone814 726 2140
CurrencyUSD - US Dollar

Northwest Bancshares Key Financial Ratios

Northwest Bancshares Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets13.8B14.5B14.1B14.4B14.4B8.3B
Other Current Liab(139.7M)(140.9M)(660.3M)(412.6M)(371.3M)(352.7M)
Net Debt(324.4M)(887.5M)760.9M520.4M156.3M214.8M
Retained Earnings555.5M609.5M641.7M674.7M673.1M459.8M
Accounts Payable2.1M1.8M3.2M13.7M6.9M7.3M
Cash736.3M1.3B139.4M122.3M288.4M317.2M
Other Assets9.5B8.8B10.1B1.01.4B1.3B
Net Receivables35.6M25.6M35.5M47.4M11.1B11.7B
Total Liab12.3B12.9B12.6B12.9B12.8B7.4B
Total Current Assets2.2B2.9B1.4B169.7M12.5B13.1B
Short Term Debt137.7M139.1M657.1M398.9M200.3M238.6M
Common Stock1.1M1.3M1.3M1.3M1.3M2.1M
Other Liab106.3M254.4M223.2M126.5M145.5M98.7M
Long Term Debt128.8M391.7M924.3M243.8M244.4M271.5M
Inventory(774.1M)(1.3B)(175.3M)(13.3B)(12.0B)(11.4B)
Intangible Assets19.9M12.8M8.6M5.3M2.8M2.7M
Other Current Assets774.1M1.3B175.3M169.7M152.7M145.1M
Net Tangible Assets984.1M1.1B1.2B1.1B1.3B1.1B
Long Term Debt Total121.8M128.8M252.6M243.2M279.6M147.0M
Capital Surpluse805.8M1.0B1.0B1.0B1.2B850.9M

Northwest Bancshares Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense42.3M27.2M28.1M152.2M233.6M245.3M
Total Revenue520.7M506.9M529.7M526.6M520.5M316.7M
Gross Profit520.7M506.9M529.7M526.6M669.2M702.7M
Operating Income92.5M201.1M173.7M202.9M20.0M19.0M
Ebit78.5M190.1M164.3M(3.0M)(3.4M)(3.3M)
Ebitda97.3M207.8M180.1M11.8M20.0M19.0M
Income Before Tax92.5M201.1M173.7M175.1M129.5M90.9M
Net Income74.9M154.3M133.7M135.0M100.3M66.6M
Income Tax Expense17.7M46.8M40.0M40.1M29.3M24.3M
Tax Provision17.7M46.8M40.0M42.9M29.3M35.9M
Net Interest Income390.7M390.9M420.0M443.8M433.7M404.4M
Interest Income433.1M418.1M448.1M555.8M667.3M477.0M

Northwest Bancshares Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash675.4M543.0M(1.1B)(17.1M)(37.1M)(35.2M)
Free Cash Flow128.2M187.9M171.1M84.3M62.3M83.2M
Depreciation4.7M6.6M6.4M24.5M21.3M11.3M
Other Non Cash Items33.8M1.3M40.3M29.8M(37.9M)(36.0M)
Dividends Paid93.1M100.3M101.5M101.7M101.9M106.9M
Capital Expenditures12.3M17.5M4.3M8.6M2.3M2.2M
Net Income74.9M154.3M133.7M135.0M100.3M66.6M
End Period Cash Flow736.3M1.3B139.4M122.3M239.0M335.4M
Investments(5.2B)(4.7B)(5.0B)(334.1M)175.0M183.7M
Net Borrowings11.9M(192.4M)(20.7M)532.0M611.8M642.4M
Change To Netincome24.4M26.1M10.6M34.0M30.6M23.4M

Northwest Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Northwest Bancshares's current stock value. Our valuation model uses many indicators to compare Northwest Bancshares value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Northwest Bancshares competition to find correlations between indicators driving Northwest Bancshares's intrinsic value. More Info.
Northwest Bancshares is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.11  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Northwest Bancshares is roughly  9.10 . As of now, Northwest Bancshares' Return On Equity is increasing as compared to previous years. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Northwest Bancshares' earnings, one of the primary drivers of an investment's value.

Northwest Bancshares Systematic Risk

Northwest Bancshares' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Northwest Bancshares volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty-four with a total number of output elements of thirty-seven. The Beta measures systematic risk based on how returns on Northwest Bancshares correlated with the market. If Beta is less than 0 Northwest Bancshares generally moves in the opposite direction as compared to the market. If Northwest Bancshares Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Northwest Bancshares is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Northwest Bancshares is generally in the same direction as the market. If Beta > 1 Northwest Bancshares moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Northwest Bancshares Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Northwest Bancshares' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Northwest Bancshares growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.62)

As of now, Northwest Bancshares' Price Earnings To Growth Ratio is increasing as compared to previous years.

Northwest Bancshares March 23, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Northwest Bancshares help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Northwest Bancshares. We use our internally-developed statistical techniques to arrive at the intrinsic value of Northwest Bancshares based on widely used predictive technical indicators. In general, we focus on analyzing Northwest Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Northwest Bancshares's daily price indicators and compare them against related drivers.

Complementary Tools for Northwest Stock analysis

When running Northwest Bancshares' price analysis, check to measure Northwest Bancshares' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Northwest Bancshares is operating at the current time. Most of Northwest Bancshares' value examination focuses on studying past and present price action to predict the probability of Northwest Bancshares' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Northwest Bancshares' price. Additionally, you may evaluate how the addition of Northwest Bancshares to your portfolios can decrease your overall portfolio volatility.
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