Northwest Bancshares, Inc. Logo

Northwest Bancshares, Inc.

NWBI

(2.2)
Stock Price

13,80 USD

1.01% ROA

8.89% ROE

11.02x PER

Market Cap.

1.557.024.000,00 USD

56.61% DER

6.53% Yield

22.52% NPM

Northwest Bancshares, Inc. Stock Analysis

Northwest Bancshares, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Northwest Bancshares, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.95x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

3 ROE

The stock's ROE falls within an average range (9.35%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (1.01%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 DER

The stock has a reasonable amount of debt compared to its ownership (57%), suggesting a balanced financial position and a moderate level of risk.

6 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

7 Buffet Intrinsic Value

The company's stock seems undervalued (51) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

8 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

9 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

10 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

Northwest Bancshares, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Northwest Bancshares, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Northwest Bancshares, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Northwest Bancshares, Inc. Revenue
Year Revenue Growth
1994 67.300.000
1995 67.300.000 0%
1996 70.600.000 4.67%
1997 78.800.000 10.41%
1998 88.500.000 10.96%
1999 97.600.000 9.32%
2000 118.896.000 17.91%
2001 127.162.000 6.5%
2002 145.818.000 12.79%
2003 164.716.000 11.47%
2004 191.474.000 13.97%
2005 0 0%
2006 223.490.000 100%
2007 228.038.000 1.99%
2008 258.118.000 11.65%
2009 288.091.000 10.4%
2010 319.587.000 9.86%
2011 326.342.000 2.07%
2012 322.527.000 -1.18%
2013 318.723.000 -1.19%
2014 319.606.000 0.28%
2015 332.089.000 3.76%
2016 390.264.000 14.91%
2017 438.416.000 10.98%
2018 428.134.000 -2.4%
2019 457.313.000 6.38%
2020 520.718.000 12.18%
2021 506.892.000 -2.73%
2022 529.722.000 4.31%
2023 554.820.000 4.52%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Northwest Bancshares, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1994 0
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Northwest Bancshares, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1994 22.300.000
1995 22.300.000 0%
1996 21.800.000 -2.29%
1997 26.000.000 16.15%
1998 28.300.000 8.13%
1999 35.000.000 19.14%
2000 38.028.000 7.96%
2001 43.569.000 12.72%
2002 48.176.000 9.56%
2003 54.445.000 11.51%
2004 62.982.000 13.55%
2005 0 0%
2006 78.611.000 100%
2007 84.217.000 6.66%
2008 95.013.000 11.36%
2009 138.162.000 31.23%
2010 149.680.000 7.7%
2011 149.878.000 0.13%
2012 130.505.000 -14.84%
2013 132.244.000 1.31%
2014 135.881.000 2.68%
2015 140.511.000 3.3%
2016 160.229.000 12.31%
2017 170.088.000 5.8%
2018 169.280.000 -0.48%
2019 177.904.000 4.85%
2020 198.870.000 10.54%
2021 212.631.000 6.47%
2022 206.455.000 -2.99%
2023 214.336.000 3.68%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Northwest Bancshares, Inc. EBITDA
Year EBITDA Growth
1994 84.800.000
1995 84.800.000 0%
1996 96.800.000 12.4%
1997 104.400.000 7.28%
1998 133.600.000 21.86%
1999 151.900.000 12.05%
2000 183.045.000 17.01%
2001 209.618.000 12.68%
2002 210.077.000 0.22%
2003 206.133.000 -1.91%
2004 209.632.000 1.67%
2005 0 0%
2006 271.931.000 100%
2007 287.744.000 5.5%
2008 250.654.000 -14.8%
2009 190.807.000 -31.37%
2010 208.238.000 8.37%
2011 191.599.000 -8.68%
2012 174.593.000 -9.74%
2013 163.184.000 -6.99%
2014 150.212.000 -8.64%
2015 153.785.000 2.32%
2016 125.038.000 -22.99%
2017 178.275.000 29.86%
2018 179.173.000 0.5%
2019 147.654.000 -21.35%
2020 99.382.000 -48.57%
2021 206.677.000 51.91%
2022 208.257.000 0.76%
2023 205.916.000 -1.14%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Northwest Bancshares, Inc. Gross Profit
Year Gross Profit Growth
1994 67.300.000
1995 67.300.000 0%
1996 70.600.000 4.67%
1997 78.800.000 10.41%
1998 88.500.000 10.96%
1999 97.600.000 9.32%
2000 118.896.000 17.91%
2001 127.162.000 6.5%
2002 145.818.000 12.79%
2003 164.716.000 11.47%
2004 191.474.000 13.97%
2005 0 0%
2006 223.490.000 100%
2007 228.038.000 1.99%
2008 258.118.000 11.65%
2009 282.748.000 8.71%
2010 319.580.000 11.53%
2011 326.342.000 2.07%
2012 321.743.000 -1.43%
2013 318.723.000 -0.95%
2014 319.606.000 0.28%
2015 332.089.000 3.76%
2016 390.264.000 14.91%
2017 438.416.000 10.98%
2018 428.134.000 -2.4%
2019 457.313.000 6.38%
2020 520.718.000 12.18%
2021 506.892.000 -2.73%
2022 529.722.000 4.31%
2023 554.820.000 4.52%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Northwest Bancshares, Inc. Net Profit
Year Net Profit Growth
1994 16.300.000
1995 16.300.000 0%
1996 17.500.000 6.86%
1997 13.700.000 -27.74%
1998 21.300.000 35.68%
1999 20.000.000 -6.5%
2000 27.203.000 26.48%
2001 26.777.000 -1.59%
2002 35.882.000 25.37%
2003 41.691.000 13.93%
2004 50.528.000 17.49%
2005 0 0%
2006 51.536.000 100%
2007 49.097.000 -4.97%
2008 48.171.000 -1.92%
2009 32.653.000 -47.52%
2010 57.523.000 43.23%
2011 64.151.000 10.33%
2012 63.560.000 -0.93%
2013 66.739.000 4.76%
2014 61.962.000 -7.71%
2015 60.540.000 -2.35%
2016 49.667.000 -21.89%
2017 94.467.000 47.42%
2018 105.491.000 10.45%
2019 110.432.000 4.47%
2020 74.854.000 -47.53%
2021 154.323.000 51.5%
2022 133.666.000 -15.45%
2023 156.880.000 14.8%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Northwest Bancshares, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1994 0
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2020 1 0%
2021 1 100%
2022 1 0%
2023 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Northwest Bancshares, Inc. Free Cashflow
Year Free Cashflow Growth
1994 15.200.000
1995 15.200.000 0%
1996 17.400.000 12.64%
1997 1.600.000 -987.5%
1998 21.400.000 92.52%
1999 11.700.000 -82.91%
2000 38.783.000 69.83%
2001 30.455.000 -27.35%
2002 33.114.000 8.03%
2003 45.110.000 26.59%
2004 55.991.000 19.43%
2005 59.778.000 6.34%
2006 57.520.000 -3.93%
2007 57.398.000 -0.21%
2008 55.711.000 -3.03%
2009 58.194.000 4.27%
2010 52.373.000 -11.11%
2011 106.268.000 50.72%
2012 109.200.000 2.68%
2013 111.475.000 2.04%
2014 80.604.000 -38.3%
2015 99.979.000 19.38%
2016 121.675.000 17.83%
2017 152.338.000 20.13%
2018 133.676.000 -13.96%
2019 116.563.000 -14.68%
2020 128.181.000 9.06%
2021 187.941.000 31.8%
2022 171.111.000 -9.84%
2023 -5.313.000 3320.61%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Northwest Bancshares, Inc. Operating Cashflow
Year Operating Cashflow Growth
1994 18.400.000
1995 18.400.000 0%
1996 21.300.000 13.62%
1997 20.200.000 -5.45%
1998 25.700.000 21.4%
1999 19.500.000 -31.79%
2000 47.065.000 58.57%
2001 38.621.000 -21.86%
2002 46.298.000 16.58%
2003 56.532.000 18.1%
2004 78.823.000 28.28%
2005 80.151.000 1.66%
2006 63.754.000 -25.72%
2007 63.594.000 -0.25%
2008 71.366.000 10.89%
2009 78.615.000 9.22%
2010 70.343.000 -11.76%
2011 118.702.000 40.74%
2012 127.455.000 6.87%
2013 130.842.000 2.59%
2014 90.572.000 -44.46%
2015 113.202.000 19.99%
2016 136.902.000 17.31%
2017 156.057.000 12.27%
2018 138.909.000 -12.34%
2019 127.462.000 -8.98%
2020 140.435.000 9.24%
2021 205.458.000 31.65%
2022 175.431.000 -17.12%
2023 -5.026.000 3590.47%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Northwest Bancshares, Inc. Capital Expenditure
Year Capital Expenditure Growth
1994 3.200.000
1995 3.200.000 0%
1996 3.900.000 17.95%
1997 18.600.000 79.03%
1998 4.300.000 -332.56%
1999 7.800.000 44.87%
2000 8.282.000 5.82%
2001 8.166.000 -1.42%
2002 13.184.000 38.06%
2003 11.422.000 -15.43%
2004 22.832.000 49.97%
2005 20.373.000 -12.07%
2006 6.234.000 -226.8%
2007 6.196.000 -0.61%
2008 15.655.000 60.42%
2009 20.421.000 23.34%
2010 17.970.000 -13.64%
2011 12.434.000 -44.52%
2012 18.255.000 31.89%
2013 19.367.000 5.74%
2014 9.968.000 -94.29%
2015 13.223.000 24.62%
2016 15.227.000 13.16%
2017 3.719.000 -309.44%
2018 5.233.000 28.93%
2019 10.899.000 51.99%
2020 12.254.000 11.06%
2021 17.517.000 30.05%
2022 4.320.000 -305.49%
2023 287.000 -1405.23%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Northwest Bancshares, Inc. Equity
Year Equity Growth
1994 178.700.000
1995 178.700.000 0%
1996 190.700.000 6.29%
1997 198.500.000 3.93%
1998 217.900.000 8.9%
1999 233.700.000 6.76%
2000 247.888.000 5.72%
2001 275.713.000 10.09%
2002 312.351.000 11.73%
2003 356.932.000 12.49%
2004 499.979.000 28.61%
2005 585.658.000 14.63%
2006 604.561.000 3.13%
2007 612.878.000 1.36%
2008 613.784.000 0.15%
2009 1.316.515.000 53.38%
2010 1.307.450.000 -0.69%
2011 1.153.823.000 -13.31%
2012 1.128.469.000 -2.25%
2013 1.159.893.000 2.71%
2014 1.062.647.000 -9.15%
2015 1.163.163.000 8.64%
2016 1.170.663.000 0.64%
2017 1.207.724.000 3.07%
2018 1.257.638.000 3.97%
2019 1.353.285.000 7.07%
2020 1.538.703.000 12.05%
2021 1.583.571.000 2.83%
2022 1.491.486.000 -6.17%
2023 1.498.431.000 0.46%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Northwest Bancshares, Inc. Assets
Year Assets Growth
1994 1.591.900.000
1995 1.591.900.000 0%
1996 1.877.900.000 15.23%
1997 2.091.400.000 10.21%
1998 2.562.600.000 18.39%
1999 3.079.900.000 16.8%
2000 3.407.292.000 9.61%
2001 3.852.831.000 11.56%
2002 4.301.246.000 10.43%
2003 5.222.367.000 17.64%
2004 5.778.623.000 9.63%
2005 6.477.307.000 10.79%
2006 6.527.815.000 0.77%
2007 6.663.516.000 2.04%
2008 6.930.241.000 3.85%
2009 8.025.298.000 13.65%
2010 8.148.155.000 1.51%
2011 7.956.624.000 -2.41%
2012 7.942.600.000 -0.18%
2013 7.884.567.000 -0.74%
2014 7.775.033.000 -1.41%
2015 8.951.899.000 13.15%
2016 9.623.640.000 6.98%
2017 9.363.934.000 -2.77%
2018 9.607.773.000 2.54%
2019 10.493.908.000 8.44%
2020 13.806.268.000 23.99%
2021 14.501.508.000 4.79%
2022 14.113.324.000 -2.75%
2023 14.362.201.000 1.73%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Northwest Bancshares, Inc. Liabilities
Year Liabilities Growth
1994 1.413.200.000
1995 1.413.200.000 0%
1996 1.687.200.000 16.24%
1997 1.892.900.000 10.87%
1998 2.342.800.000 19.2%
1999 2.846.200.000 17.69%
2000 3.159.404.000 9.91%
2001 3.577.118.000 11.68%
2002 3.988.895.000 10.32%
2003 4.865.435.000 18.02%
2004 5.278.644.000 7.83%
2005 5.891.649.000 10.4%
2006 5.923.254.000 0.53%
2007 6.050.638.000 2.11%
2008 6.316.457.000 4.21%
2009 6.708.783.000 5.85%
2010 6.840.705.000 1.93%
2011 6.802.801.000 -0.56%
2012 6.814.131.000 0.17%
2013 6.724.674.000 -1.33%
2014 6.712.386.000 -0.18%
2015 7.788.736.000 13.82%
2016 8.452.977.000 7.86%
2017 8.156.210.000 -3.64%
2018 8.350.135.000 2.32%
2019 9.140.623.000 8.65%
2020 12.267.565.000 25.49%
2021 12.917.937.000 5.03%
2022 12.621.838.000 -2.35%
2023 12.863.770.000 1.88%

Northwest Bancshares, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
4.4
Net Income per Share
1.11
Price to Earning Ratio
11.02x
Price To Sales Ratio
2.8x
POCF Ratio
13.71
PFCF Ratio
14.27
Price to Book Ratio
1.03
EV to Sales
4.03
EV Over EBITDA
10.11
EV to Operating CashFlow
19.84
EV to FreeCashFlow
20.56
Earnings Yield
0.09
FreeCashFlow Yield
0.07
Market Cap
1,56 Bil.
Enterprise Value
2,24 Bil.
Graham Number
17.21
Graham NetNet
-92.16

Income Statement Metrics

Net Income per Share
1.11
Income Quality
0.8
ROE
0.09
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.77
EBT Per Ebit
1.27
Ebit per Revenue
0.23
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0.37
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.23
Pretax Profit Margin
0.29
Net Profit Margin
0.23

Dividends

Dividend Yield
0.07
Dividend Yield %
6.53
Payout Ratio
0.72
Dividend Per Share
0.8

Operating Metrics

Operating Cashflow per Share
0.89
Free CashFlow per Share
0.86
Capex to Operating CashFlow
-0.04
Capex to Revenue
-0.01
Capex to Depreciation
-0.21
Return on Invested Capital
0.07
Return on Tangible Assets
0.01
Days Sales Outstanding
27.93
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
13.07
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.03

Balance Sheet

Cash per Share
9,26
Book Value per Share
11,84
Tangible Book Value per Share
8.78
Shareholders Equity per Share
11.84
Interest Debt per Share
7.59
Debt to Equity
0.57
Debt to Assets
0.06
Net Debt to EBITDA
3.09
Current Ratio
153.47
Tangible Asset Value
1,11 Bil.
Net Current Asset Value
-11,65 Bil.
Invested Capital
0.57
Working Capital
1,21 Bil.
Intangibles to Total Assets
0.03
Average Receivables
0,04 Bil.
Average Payables
0,01 Bil.
Average Inventory
0
Debt to Market Cap
0.54

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Northwest Bancshares, Inc. Dividends
Year Dividends Growth
1995 1
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 0 0%
2011 0 0%
2012 1 0%
2013 1 0%
2014 2 100%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%

Northwest Bancshares, Inc. Profile

About Northwest Bancshares, Inc.

Northwest Bancshares, Inc. operates as the holding company for Northwest Bank, a state-chartered savings bank that provides personal and business banking solutions. 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 and loans collateralized by multi-family residential and commercial real estate; commercial business loans; and consumer loans, including automobile loans, sales finance loans, unsecured personal loans, credit card loans, and loans secured by deposit accounts. The company also offers investment management and trust services. As of December 31, 2021, it operated 170 community-banking locations in Pennsylvania, Western New York, Eastern Ohio, and Indiana. Northwest Bancshares, Inc. was founded in 1896 and is headquartered in Columbus, Ohio.

CEO
Mr. Louis J. Torchio
Employee
2.030
Address
3 Easton Oval
Columbus, 43219

Northwest Bancshares, Inc. Executives & BODs

Northwest Bancshares, Inc. Executives & BODs
# Name Age
1 Mr. John J. Golding
Senior EVice President & Chief Consumer Banking Officer
70
2 Mr. Gregory J. Betchkal
Executive Vice President & Chief Risk Officer
70
3 Mr. Scott J. Watson
Executive Vice President & Chief Information Officer
70
4 Mr. Louis J. Torchio
President, Chief Executive Officer & Director
70

Northwest Bancshares, Inc. Competitors