Stocks · Financial Services · Banks - Regional
Northwest Bancshares, Inc. NWBI
$15.04 -0.99% Close, Oct 5, 2026 · NASDAQ · Market cap $2.22B
Next earnings report: Oct 26, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 14.8% in a year.
- Net debt is 4.6× EBITDA, a high level of leverage.
- The stock is in an uptrend: above its 200-day average for 131 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 36%
- EPS growth (TTM, YoY)Bottom 24%
- FCF growth (TTM, YoY)Top 50%
- Revenue growth, 3-year CAGRTop 44%
- Revenue growth accelerationBottom 13%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 37%
- Gross marginTop 48%
- Operating marginBottom 36%
- Cash conversion (OCF / net income)Bottom 39%
- Accruals (lower is better)Bottom 35%
- Net debt / EBITDA (lower is better)Bottom 27%
- Interest coverBottom 30%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 48%
- Free-cash-flow yieldBottom 40%
- EBITDA / enterprise valueBottom 40%
- Sales / enterprise valueBottom 47%
- P/E vs own 5-year history (lower is better)Bottom 35%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 30%
- 6-month returnTop 26%
- 1-year return vs S&P 500Top 29%
- Distance from 52-week highTop 34%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 37%
- Consecutive EPS beatsTop 34%
- Share of analysts rating BuyBottom 30%
- Upside to consensus price targetTop 47%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 25%
- Maximum drawdown, 3 yearsTop 50%
- Beta vs S&P 500 (lower is better)Top 41%
- Net debt / EBITDA (lower is better)Bottom 27%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 16.5% | 3.0% | ↓ |
| EPS growth (YoY) | 3.6% | -7.8% | ↓ |
| Gross margin | 68.3% | 66.3% | ↓ |
| Operating margin | 22.8% | 15.9% | ↓ |
| FCF margin | 14.1% | 16.3% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 3.0% | 16.5% | ↓ | Bottom 36% |
| EPS growth (TTM, YoY) | -7.8% | 3.6% | ↓ | Bottom 24% |
| Gross margin | 66.3% | 68.3% | ↓ | Top 48% |
| Operating margin | 15.9% | 22.8% | ↓ | Bottom 36% |
| Net margin | 18.1% | 17.5% | ↑ | — |
| Free-cash-flow margin | 16.3% | 14.1% | ↑ | — |
| Return on invested capital | 0.6% | — | Bottom 37% | |
| Revenue growth, 3-year CAGR | 16.3% | — | Top 44% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +19.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 4.57×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 5.29%
- Net buyback yield (TTM)
- -0.07%
- Shareholder yield
- 5.22%
- Share count change, 1 year
- +14.8%
- Share count change, 3-year CAGR
- +5.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 3
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +7.6%
- Average 2-day reaction, last 8
- +0.1%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $17.50
- Target vs current price
- +16.4%
- Analysts with a rating
- 15
- Share rating Buy or Strong Buy
- 33%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 27, 2026 | +10.0% | +0.1% | +2.2% | +0.1% | — |
| Apr 27, 2026 | +16.7% | +1.6% | +5.0% | +5.2% | +15.5% |
| Jan 26, 2026 | +6.5% | +1.4% | +3.1% | +0.4% | +5.8% |
| Oct 27, 2025 | -2.8% | -0.5% | -6.8% | -6.4% | +1.9% |
| Jul 29, 2025 | +7.1% | -2.6% | -7.2% | -1.3% | -2.5% |
| Apr 28, 2025 | +43.9% | +0.9% | +7.4% | +3.6% | +11.7% |
| Jan 24, 2025 | +6.6% | +0.1% | -1.4% | -4.6% | -14.6% |
| Oct 29, 2024 | +0.0% | -0.1% | -2.0% | +11.5% | -1.8% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 27, 2026 | $0.37 | $0.34 | +10.0% | $181.2M |
| Apr 27, 2026 | $0.35 | $0.30 | +16.7% | $175.1M |
| Jan 26, 2026 | $0.33 | $0.31 | +6.5% | $179.9M |
| Oct 27, 2025 | $0.29 | $0.30 | -2.8% | $167.4M |
| Jul 29, 2025 | $0.30 | $0.28 | +7.1% | $149.5M |
| Apr 28, 2025 | $0.35 | $0.24 | +43.9% | $155.8M |
| Jan 24, 2025 | $0.27 | $0.25 | +6.6% | $153.4M |
| Oct 29, 2024 | $0.26 | $0.26 | +0.0% | $138.7M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 14.6× | 13.3× | 71th | Top 48% |
| P/E (forward) | 10.7× | — | — | — |
| EV / EBITDA | 21.3× | — | — | Bottom 40% |
| EV / Sales | 3.36× | — | — | Bottom 47% |
| Free-cash-flow yield | 6.19% | — | — | Bottom 40% |
| Earnings yield | 6.86% | — | — | Top 48% |
P/E over the past five years
Range 9.8× – 19.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +22.0%
- Earnings per share growth (TTM)
- -7.8%
- Change in P/E multiple
- +47.8%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 131
- 50-day average slope (20 days)
- +0.2%
- 200-day average slope (20 days)
- +2.3%
- Distance from 50-day average
- -2.6%
- Distance from 200-day average
- +7.9%
- RSI (14)
- 43.7
- Relative volume
- 0.89×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 15.9%
- Volatility vs own 5-year history
- 1th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.60
- Correlation with S&P 500
- 0.42
- Current drawdown from 1-year high
- -6.1%
- Maximum drawdown, 3 years
- -28.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 8, 2021 | Oct 20, 2023 | -36.3% | 661 days | 684 days (Jul 16, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $2.22B
- P/E (TTM)
- 14.6
- EPS, diluted (TTM)
- $1.03
- Revenue (TTM)
- $843.6M
- Dividend yield
- 5.32%
- 52-week range
- $11.25 – $16.16
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $534.1M | $557.8M | $700.0M | $754.1M | $877.0M |
| Gross profit | $522.7M | $501.4M | $524.9M | $496.0M | $599.1M |
| Operating income | $201.1M | $173.7M | $175.1M | $129.5M | $164.8M |
| Net income | $154.3M | $133.7M | $135.0M | $100.3M | $126.0M |
| EPS (diluted) | $1.21 | $1.05 | $1.06 | $0.79 | $0.92 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $198.7M | $209.9M | $208.6M | $201.7M | $226.1M | $240.6M | $234.1M | $142.7M |
| Net income | $33.6M | $32.8M | $43.5M | $33.7M | $3.2M | $45.7M | $50.5M | $53.5M |
| EPS (diluted) | $0.26 | $0.26 | $0.34 | $0.26 | $0.02 | $0.31 | $0.34 | $0.36 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $205.5M | $175.4M | $92.9M | $127.7M | $153.4M |
| Capital expenditure | -$17.5M | -$4.3M | -$8.6M | -$2.3M | -$11.6M |
| Free cash flow | $187.9M | $171.1M | $84.3M | $125.4M | $141.8M |
| Dividends paid | -$100.3M | -$101.5M | -$101.7M | -$101.9M | -$109.9M |
| Net share buybacks | -$9.8M | $5.2M | $630,000 | $2.5M | $930,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $2.08B
- Total assets
- $17.21B
- Total liabilities
- $15.29B
- Total debt
- $857.1M
- Net debt
- $608.6M
- Shareholders’ equity
- $1.93B
As of Jun 30, 2026 (filed Aug 5, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 6, 2026 | $0.20 | Aug 18, 2026 |
| May 7, 2026 | $0.20 | May 20, 2026 |
| Feb 5, 2026 | $0.20 | Feb 18, 2026 |
| Nov 6, 2025 | $0.20 | Nov 18, 2025 |
| Aug 8, 2025 | $0.20 | Aug 19, 2025 |
| May 8, 2025 | $0.20 | May 20, 2025 |
| Feb 3, 2025 | $0.20 | Feb 14, 2025 |
| Nov 8, 2024 | $0.20 | Nov 18, 2024 |
Short interest
- Shares sold short
- 8,694,449
- Days to cover
- 9.37
- Change vs previous report
- +11.7%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Dec 18, 2009
- 9-for-4
- Nov 17, 1997
- 2-for-1
- May 22, 1996
- 2-for-1