Northwest Bancshares (NWBI) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Northwest Bancshares

NasdaqGS•Financial Services•Banks - Regional

$15.45-0.15(-0.01%)Pre-market

Market Cap

$2.25B

P/E

14.7x

P/S

3.2x

P/B

1.2x

Northwest Bancshares, Inc. operates as the bank holding company for Northwest Bank, a state-chartered savings bank that provides personal and commercial banking solutions in Pennsylvania, New York, Ohio, and Indiana in the United States. The company accepts various deposits, including checking, savings, money market deposit, term certificate, and individual retirement accounts. It also offers loan products comprising one-to-four-family residential real estate loans, shorter-term consumer loans, and loans collateralized by multi-family residential and commercial real estate, as well as commercial business loans; residential mortgage loans; home equity loans and lines of credit; commercial real estate loans; commercial loans and financing solutions; and other consumer loans, including auto refinance loans, indirect automobile and recreational loans, unsecured personal loans, credit card loans, and loans secured by investment accounts. In addition, the company offers investment and cash management; estate and trust services; digital and online banking; certificates of deposit; credit cards; student and small business loans; private banking, planning, and investments; retirement plans; liquidity management for commercial checking and savings; treasury and wealth management; insurance; employee benefit plans; and financial planning services. It serves individuals, businesses, and charitable institutions. Northwest Bancshares, Inc. was founded in 1896 and is headquartered in Columbus, Ohio.

How this company scores

GoodMetricSide Score: 75/100

Strongest: Cash & Earnings Quality (21/25); weakest: Balance Sheet & Red Flags (16/25).

Profitability18/25

Growth20/25

Balance Sheet & Red Flags16/25

Cash & Earnings Quality21/25

Strengths

Growing revenueRising free cash flowStrong marginsLow leverage

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 14.7x5y range 9.2x – 20.1x

Currently near its 20-quarter median.

P/S · 3.2x5y range 2.3x – 3.4x

Currently near its 20-quarter median.

P/B · 1.2x5y range 0.9x – 1.2x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Watch

Operating margins declined 7.2% — watch for continued compression, which may signal competitive or cost pressure.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 4 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $2.25B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $704.35M
Q. Revenue: $181.17M
TTM EBITDA: $205.25M
TTM Op. Income: $202.63M
Q. Op. Income: $72.60M
TTM Net Income: $152.96M
Q. Net Income: $53.55M
EPS: $0.37
Shares Out.: $146.33M

$704.35M in TTM revenue grew 17.4% YoY, reaching $181.17M last quarter. TTM EBITDA of $205.25M and TTM operating income of $202.63M show growth is flowing through to the bottom line. TTM net income of $152.96M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 67.9%
EBITDA Margin: 41.3%
Op. Margin: 40.1%
Net Margin: 29.6%

Op. margin of 40.1% is up 12.6% YoY — cost efficiency is improving. Net margin at 29.6% and gross margin of 67.9% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 3 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 14.7x
P/S Ratio: 3.2x
P/B Ratio: 1.2x

At 14.7x P/E, the stock trades below typical market levels. P/S of 3.2x and P/B of 1.2x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is up 29% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $17.21B
Cash: $248.50M
Long-Term Debt: $65.32M
Book Value: $1.93B
D/E Ratio: 0.0
Debt/EBITDA: 0.9

With $17.21B in assets and $65.32M in long-term debt, D/E is 0.0and book value is $1.93B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 2 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $31.69M
TTM Free Cash Flow: $137.64M
FCF Margin: 19.5%
FCF / Net Income: 0.9

TTM FCF of $137.64M on $31.69M in operating cash flow. The FCF / Net Income ratio of 0.9x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 21% — an improving trend.