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Northwest Bancshares, Inc. NWBI

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Price alert · NWBI

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15.31 USD -0.33 (-2.11%)

At closeNov 5, 2026, 4:01 PM EST

15.31 0.00 0.00%

After hours · Nov 5, 4:01 PM ET

15.25 Day range 16.01
11.30 52-week range 16.01
YTD
+27.58%
1 year
+27.69%

Financial health

Altman Z-Score

-0.61 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

B+3 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 3
  • P/B 3

Valuation

P/E 12.9×
FY 2016: 36.1×FY 2017: 17.8×FY 2018: 16.4×FY 2019: 15.8×FY 2020: 20.5×FY 2021: 11.6×FY 2022: 13.3×FY 2023: 11.8×FY 2024: 16.7×FY 2025: 12.9×
FY 2016 5y median 12.9× FY 2025
P/S 2.0×
FY 2016: 4.2×FY 2017: 3.6×FY 2018: 3.7×FY 2019: 3.4×FY 2020: 2.7×FY 2021: 3.3×FY 2022: 3.2×FY 2023: 2.3×FY 2024: 2.2×FY 2025: 2.0×
FY 2016 5y median 2.3× FY 2025
P/B 0.9×
FY 2016: 1.5×FY 2017: 1.4×FY 2018: 1.4×FY 2019: 1.3×FY 2020: 1.0×FY 2021: 1.1×FY 2022: 1.2×FY 2023: 1.0×FY 2024: 1.0×FY 2025: 0.9×
FY 2016 5y median 1.0× FY 2025
P/FCF 12.4×
FY 2016: 14.9×FY 2017: 11.4×FY 2018: 12.9×FY 2019: 15.0×FY 2020: 12.0×FY 2021: 9.5×FY 2022: 10.4×FY 2023: 18.8×FY 2024: 13.4×FY 2025: 12.4×
FY 2016 5y median 12.4× FY 2025
EV/EBITDA 12.0×
FY 2016: 19.1×FY 2017: 12.2×FY 2018: 14.1×FY 2019: 14.2×FY 2020: 12.4×FY 2021: 4.3×FY 2022: 14.2×FY 2023: 10.5×FY 2024: 12.1×FY 2025: 12.0×
FY 2016 5y median 12.0× FY 2025
EV/Sales 2.2×
FY 2016: 3.9×FY 2017: 3.9×FY 2018: 4.3×FY 2019: 4.0×FY 2020: 2.1×FY 2021: 1.7×FY 2022: 4.6×FY 2023: 3.0×FY 2024: 2.4×FY 2025: 2.2×
FY 2016 5y median 2.4× FY 2025
FCF Yield 8.1%
FY 2016: 6.7%FY 2017: 8.8%FY 2018: 7.7%FY 2019: 6.7%FY 2020: 8.4%FY 2021: 10.5%FY 2022: 9.7%FY 2023: 5.3%FY 2024: 7.5%FY 2025: 8.1%
FY 2016 5y median 8.1% FY 2025

Profitability

Gross Margin 68.3%
FY 2016: 87.9%FY 2017: 89.7%FY 2018: 87.6%FY 2019: 84.5%FY 2020: 77.6%FY 2021: 97.9%FY 2022: 89.9%FY 2023: 75.0%FY 2024: 65.8%FY 2025: 68.3%
FY 2016 5y median 75.0% FY 2025
Operating Margin 18.8%
FY 2016: 16.6%FY 2017: 29.1%FY 2018: 28.8%FY 2019: 27.4%FY 2020: 16.4%FY 2021: 37.7%FY 2022: 31.1%FY 2023: 25.0%FY 2024: 17.2%FY 2025: 18.8%
FY 2016 5y median 25.0% FY 2025
Net Margin 14.4%
FY 2016: 11.6%FY 2017: 20.3%FY 2018: 22.7%FY 2019: 21.5%FY 2020: 13.3%FY 2021: 28.9%FY 2022: 24.0%FY 2023: 19.3%FY 2024: 13.3%FY 2025: 14.4%
FY 2016 5y median 19.3% FY 2025
ROE 6.7%
FY 2016: 4.2%FY 2017: 7.8%FY 2018: 8.4%FY 2019: 8.2%FY 2020: 4.9%FY 2021: 9.7%FY 2022: 9.0%FY 2023: 8.7%FY 2024: 6.3%FY 2025: 6.7%
FY 2016 5y median 8.7% FY 2025
ROIC 4.5%
FY 2016: 2.9%FY 2017: 6.1%FY 2018: 6.2%FY 2019: 5.8%FY 2020: 3.4%FY 2021: 7.0%FY 2022: 5.1%FY 2023: 5.6%FY 2024: 4.4%FY 2025: 4.5%
FY 2016 5y median 5.1% FY 2025
ROA 0.8%
FY 2016: 0.5%FY 2017: 1.0%FY 2018: 1.1%FY 2019: 1.1%FY 2020: 0.5%FY 2021: 1.1%FY 2022: 0.9%FY 2023: 0.9%FY 2024: 0.7%FY 2025: 0.8%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 16.3%
FY 2016: 11.3%FY 2017: 8.8%FY 2018: -0.3%FY 2019: 10.5%FY 2020: 9.5%FY 2021: -5.1%FY 2022: 4.4%FY 2023: 25.5%FY 2024: 7.7%FY 2025: 16.3%
FY 2016 FY 2025
Operating Income 27.2%
FY 2016: -19.4%FY 2017: 90.6%FY 2018: -1.5%FY 2019: 5.4%FY 2020: -34.4%FY 2021: 117.4%FY 2022: -13.6%FY 2023: 0.8%FY 2024: -26.0%FY 2025: 27.2%
FY 2016 FY 2025
EPS (diluted) 16.5%
FY 2016: -23.4%FY 2017: 87.8%FY 2018: 10.9%FY 2019: 2.0%FY 2020: -40.4%FY 2021: 95.2%FY 2022: -13.2%FY 2023: 1.0%FY 2024: -25.5%FY 2025: 16.5%
FY 2016 FY 2025
Free Cash Flow 13.1%
FY 2016: 20.5%FY 2017: 22.9%FY 2018: -9.7%FY 2019: -12.8%FY 2020: 10.0%FY 2021: 46.6%FY 2022: -9.0%FY 2023: -50.7%FY 2024: 48.7%FY 2025: 13.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.2×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.6×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA 1.3×
FY 2016: -1.6×FY 2017: 0.9×FY 2018: 1.9×FY 2019: 2.1×FY 2020: -3.3×FY 2021: -4.3×FY 2022: 4.4×FY 2023: 2.6×FY 2024: 1.0×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025
Interest Coverage 0.7×
FY 2016: 1.9×FY 2017: 4.8×FY 2018: 3.6×FY 2019: 2.5×FY 2020: 2.2×FY 2021: 7.4×FY 2022: 6.2×FY 2023: 1.2×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 1.2× FY 2025

Dividends

Dividend Yield 6.2%
FY 2016: 3.4%FY 2017: 3.9%FY 2018: 4.0%FY 2019: 4.4%FY 2020: 6.1%FY 2021: 5.6%FY 2022: 5.7%FY 2023: 6.4%FY 2024: 6.1%FY 2025: 6.2%
FY 2016 5y median 6.1% FY 2025
Payout Ratio 87.2%
FY 2016: 121.1%FY 2017: 69.0%FY 2018: 66.3%FY 2019: 69.0%FY 2020: 124.4%FY 2021: 65.0%FY 2022: 75.9%FY 2023: 75.3%FY 2024: 101.6%FY 2025: 87.2%
FY 2016 5y median 75.9% FY 2025

Annual · latest fiscal year ends 2025-12-31