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Northwest Bancshares (NWBI) Financials

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$11.50 +0.06 (+0.48%)
Closing price 03:59 PM Eastern
Extended Trading
$11.47 -0.03 (-0.24%)
As of 04:05 PM Eastern
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Annual Income Statements for Northwest Bancshares

Annual Income Statements for Northwest Bancshares

This table shows Northwest Bancshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 62 61 50 94 105 110 75 154 134 135 100
Consolidated Net Income / (Loss)		 62 61 50 94 105 110 75 154 134 135 100
Net Income / (Loss) Continuing Operations		 62 61 50 94 105 110 75 154 134 135 100
Total Pre-Tax Income 		84 89 71 136 134 141 93 201 174 175 130
Total Revenue		 320 332 393 441 430 460 524 534 532 550 523
Net Interest Income / (Expense)		 249 263 307 331 339 360 392 391 421 436 436
Total Interest Income		 305 320 346 359 376 417 434 419 449 588 669
Loans and Leases Interest Income		 282 299 329 340 357 395 411 390 408 544 616
Investment Securities Interest Income		 23 20 16 17 18 22 22 27 37 41 47
Deposits and Money Market Investments Interest Income		 0.84 0.43 0.54 1.50 0.84 0.60 0.72 1.19 3.60 2.90 6.49
Total Interest Expense		 57 56 38 28 37 57 42 27 28 152 234
Deposits Interest Expense		 25 24 23 23 31 49 36 19 14 105 205
Long-Term Debt Interest Expense		 31 32 15 5.01 6.16 7.70 6.44 8.12 14 47 28
Total Non-Interest Income		 71 69 85 110 92 99 132 143 111 114 87
Trust Fees by Commissions		 12 12 14 18 17 18 21 28 28 27 30
Other Service Charges		 49 52 60 67 69 72 73 67 70 71 83
Net Realized & Unrealized Capital Gains on Investments		 3.96 -0.95 0.59 18 -0.47 1.73 1.43 26 0.60 4.53 -35
Other Non-Interest Income		 5.21 5.27 10 7.51 6.42 8.24 37 22 12 11 8.65
Provision for Credit Losses		 20 9.71 14 20 20 23 84 -16 28 23 25
Total Non-Interest Expense		 216 234 308 286 276 296 347 349 330 352 369
Salaries and Employee Benefits		 116 120 143 152 152 163 178 194 188 196 214
Net Occupancy & Equipment Expense		 50 55 61 68 67 71 81 87 82 88 89
Marketing Expense		 8.21 8.50 8.85 9.61 8.43 7.00 7.70 8.24 9.10 9.44 8.89
Property & Liability Insurance Claims		 5.19 5.11 4.40 3.52 2.75 0.69 4.77 4.98 4.78 9.27 12
Other Operating Expenses		 34 34 75 41 39 43 48 46 35 39 37
Amortization Expense		 1.32 1.69 4.26 6.76 5.85 6.54 6.86 5.55 4.28 3.27 2.45
Restructuring Charge		 0.39 9.75 12 - - 4.17 21 3.45 5.62 6.75 5.76
Income Tax Expense		 22 28 22 41 28 31 18 47 40 40 29
Basic Earnings per Share		 $0.68 $0.64 $0.50 $0.94 $1.03 $1.05 $0.62 $1.22 $1.05 $1.06 $0.79
Weighted Average Basic Shares Outstanding		 91.54M 94.31M 99.44M 101.02M 102.07M 106.93M 126.95M 126.67M 127.05M 127.11M 127.51M
Diluted Earnings per Share		 $0.67 $0.64 $0.49 $0.92 $1.02 $1.04 $0.62 $1.21 $1.05 $1.06 $0.79
Weighted Average Diluted Shares Outstanding		 91.54M 94.31M 99.44M 101.02M 102.07M 106.93M 126.95M 126.67M 127.05M 127.11M 127.51M
Weighted Average Basic & Diluted Shares Outstanding		 91.54M 94.31M 99.44M 101.02M 102.07M 106.93M 126.95M 126.67M 127.05M 127.11M 127.51M
Cash Dividends to Common per Share		 $1.62 $0.56 $0.60 $0.64 $0.68 $0.72 $0.76 $0.79 $0.80 $0.80 $0.80

Quarterly Income Statements for Northwest Bancshares

This table shows Northwest Bancshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 37 35 34 33 39 29 29 4.75 34 33 43
Consolidated Net Income / (Loss)		 37 35 34 33 39 29 29 4.75 34 33 43
Net Income / (Loss) Continuing Operations		 37 35 34 33 39 29 29 4.75 34 33 43
Total Pre-Tax Income 		49 45 44 44 51 37 38 5.94 43 42 57
Total Revenue		 140 145 136 138 139 135 131 98 139 154 156
Net Interest Income / (Expense)		 113 117 112 109 108 106 103 107 111 114 128
Total Interest Income		 119 128 135 144 152 157 160 167 171 171 181
Loans and Leases Interest Income		 107 117 124 133 141 147 150 154 156 156 165
Investment Securities Interest Income		 10 11 11 11 10 9.90 9.84 11 13 13 14
Deposits and Money Market Investments Interest Income		 1.30 0.15 0.42 0.59 0.91 0.97 0.83 1.79 2.31 1.55 2.42
Total Interest Expense		 5.87 11 22 35 43 51 57 60 60 57 53
Deposits Interest Expense		 3.16 3.87 11 22 32 41 48 53 54 51 47
Long-Term Debt Interest Expense		 2.71 6.94 11 14 12 10 9.32 7.26 5.88 5.67 5.45
Total Non-Interest Income		 27 28 24 30 31 29 28 -8.85 28 40 28
Trust Fees by Commissions		 6.65 6.64 6.45 6.87 7.09 6.88 7.13 7.57 7.92 7.49 7.91
Other Service Charges		 18 19 15 19 18 18 18 19 17 29 17
Net Realized & Unrealized Capital Gains on Investments		 0.29 0.05 0.39 1.62 0.33 2.20 0.93 -37 0.77 1.06 1.32
Other Non-Interest Income		 2.24 2.14 1.79 2.33 5.19 1.70 1.95 2.27 2.18 2.24 2.03
Provision for Credit Losses		 11 11 5.00 8.93 1.00 7.95 3.44 -0.37 4.88 17 7.91
Total Non-Interest Expense		 79 89 87 86 88 91 90 92 91 95 92
Salaries and Employee Benefits		 47 47 47 48 51 50 52 54 56 53 55
Net Occupancy & Equipment Expense		 21 21 22 22 22 22 22 22 22 23 22
Marketing Expense		 2.15 2.77 2.89 2.86 2.38 1.32 2.15 2.41 2.00 2.33 1.88
Property & Liability Insurance Claims		 1.20 1.32 2.22 2.06 2.34 2.64 3.02 2.87 2.76 2.95 2.33
Other Operating Expenses		 7.30 12 10 8.63 9.09 11 9.30 8.91 7.50 11 8.97
Amortization Expense		 1.05 0.93 0.91 0.84 0.80 0.72 0.70 0.64 0.59 0.53 0.50
Restructuring Charge		 0.00 4.24 2.80 1.59 0.00 2.35 0.96 1.92 0.04 2.85 1.12
Income Tax Expense		 12 11 10 11 11 7.84 8.58 1.20 9.88 9.62 13
Basic Earnings per Share		 $0.29 $0.28 $0.27 $0.26 $0.31 $0.22 $0.23 $0.04 $0.26 $0.26 $0.34
Weighted Average Basic Shares Outstanding		 126.99M 127.05M 127.06M 127.10M 127.10M 127.11M 127.26M 127.37M 127.40M 127.51M 127.75M
Diluted Earnings per Share		 $0.29 $0.28 $0.26 $0.26 $0.31 $0.23 $0.23 $0.04 $0.26 $0.26 $0.34
Weighted Average Diluted Shares Outstanding		 126.99M 127.05M 127.06M 127.10M 127.10M 127.11M 127.26M 127.37M 127.40M 127.51M 127.75M
Weighted Average Basic & Diluted Shares Outstanding		 126.99M 127.05M 127.06M 127.10M 127.10M 127.11M 127.26M 127.37M 127.40M 127.51M 127.75M
Cash Dividends to Common per Share		 $0.20 - $0.20 $0.20 $0.20 - $0.20 $0.20 $0.20 - $0.20

Annual Cash Flow Statements for Northwest Bancshares

This table details how cash moves in and out of Northwest Bancshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -151 -73 222 -312 -8.92 -7.94 675 543 -1,140 -17 166
Net Cash From Operating Activities		 91 113 136 152 139 127 140 205 175 93 128
Net Cash From Continuing Operating Activities		 91 113 136 152 139 127 140 205 175 93 128
Net Income / (Loss) Continuing Operations		 62 61 50 94 105 110 75 154 134 135 100
Consolidated Net Income / (Loss)		 62 61 50 94 105 110 75 154 134 135 100
Provision For Loan Losses		 20 9.71 14 20 20 23 84 -16 28 23 25
Depreciation Expense		 9.87 8.96 15 14 8.12 3.82 4.74 6.63 6.45 24 21
Amortization Expense		 0.38 1.15 2.14 2.02 1.87 0.92 3.80 7.76 4.81 3.09 0.68
Non-Cash Adjustments to Reconcile Net Income		 12 14 25 6.67 13 1.71 -58 22 16 3.51 -25
Changes in Operating Assets and Liabilities, net		 -14 19 30 15 -10 -12 31 30 -14 -96 6.00
Net Cash From Investing Activities		 -68 -89 1,151 -104 -282 -301 -561 -233 -917 -240 175
Net Cash From Continuing Investing Activities		 -68 -89 1,151 -104 -282 -301 -561 -233 -917 -240 175
Purchase of Property, Leasehold Improvements and Equipment		 -9.97 -13 -15 -3.72 -5.23 -11 -12 -18 -4.32 -8.56 -2.31
Purchase of Investment Securities		 -1,997 -444 -272 -3,024 -3,235 -3,950 -5,383 -5,318 -5,298 -3,977 -3,444
Sale and/or Maturity of Investments		 1,939 368 1,438 2,924 2,958 3,660 4,835 5,075 4,385 3,746 3,621
Net Cash From Financing Activities		 -174 -98 -1,064 -360 134 165 1,096 570 -398 130 -137
Net Cash From Continuing Financing Activities		 -174 -98 -1,064 -360 134 165 1,096 570 -398 130 -137
Net Change in Deposits		 -36 -60 -157 -271 67 218 1,390 702 -837 515 165
Issuance of Debt		 6.52 196 - - 126 0.00 123 1.43 542 -282 -199
Repayment of Debt		 -0.05 -181 -857 -35 0.00 12 -316 -22 -10 0.00 0.00
Payment of Dividends		 -150 -53 -60 -65 -70 -76 -93 -100 -101 -102 -102
Other Financing Activities, Net		 11 7.61 12 11 11 11 0.16 13 8.20 -1.73 -0.76
Cash Income Taxes Paid		 26 17 9.71 32 26 29 30 34 39 48 28

Quarterly Cash Flow Statements for Northwest Bancshares

This table details how cash moves in and out of Northwest Bancshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 -386 21 -43 31 34 -40 -2.94 109 -1.55 61 65
Net Cash From Operating Activities		 83 65 30 23 -5.03 45 71 41 93 -77 108
Net Cash From Continuing Operating Activities		 83 65 30 23 -5.03 45 71 41 93 -77 108
Net Income / (Loss) Continuing Operations		 37 35 34 33 39 29 29 4.75 34 33 43
Consolidated Net Income / (Loss)		 37 35 34 33 39 29 29 4.75 34 33 43
Provision For Loan Losses		 7.69 19 5.00 8.93 1.00 7.95 3.44 -0.37 4.88 17 7.91
Depreciation Expense		 1.01 2.57 2.15 6.64 7.68 8.02 4.65 6.33 7.14 3.23 0.60
Amortization Expense		 1.07 0.96 0.88 0.85 0.71 0.65 0.63 0.23 -0.10 -0.08 -0.05
Non-Cash Adjustments to Reconcile Net Income		 16 1.15 5.67 -7.19 8.01 -2.97 1.69 43 1.41 -71 6.75
Changes in Operating Assets and Liabilities, net		 20 6.54 -18 -19 -62 2.50 31 -13 46 -59 49
Net Cash From Investing Activities		 -249 -156 -130 -43 -5.57 -61 -144 231 11 76 -46
Net Cash From Continuing Investing Activities		 -249 -156 -130 -43 -5.57 -61 -144 231 11 76 -46
Purchase of Property, Leasehold Improvements and Equipment		 - - - - - - - - - - -1.82
Purchase of Investment Securities		 -1,376 -1,146 -922 -1,127 -904 -1,024 -1,140 -1,140 -834 -329 -959
Sale and/or Maturity of Investments		 1,127 995 792 1,085 899 971 996 1,372 846 407 915
Net Cash From Financing Activities		 -220 111 57 51 45 -23 70 -163 -106 63 3.15
Net Cash From Continuing Financing Activities		 -220 111 57 51 45 -23 70 -163 -106 63 3.15
Net Change in Deposits		 -189 -414 73 125 127 190 92 16 -16 73 30
Issuance of Debt		 - 531 7.48 -56 -28 -206 1.89 - - - -3.06
Payment of Dividends		 -25 -25 -25 -25 -25 -25 -25 -25 -25 -25 -26
Other Financing Activities, Net		 -25 19 2.75 7.28 -29 18 1.74 5.36 -26 19 2.11
Cash Income Taxes Paid		 10 18 0.29 24 14 9.76 0.61 13 1.27 13 0.77

Annual Balance Sheets for Northwest Bancshares

This table presents Northwest Bancshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 7,775 8,952 9,624 9,364 9,608 10,494 13,806 14,502 14,113 14,419 14,408
Cash and Due from Banks		 87 92 390 78 69 61 736 1,279 139 122 288
Trading Account Securities		 1,016 906 846 822 824 838 1,578 2,317 2,099 1,858 1,860
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 -58 10,388 9,889 10,793 11,281 11,063
Loans and Leases		 - - - - - - 10,522 9,991 10,911 11,406 11,180
Allowance for Loan and Lease Losses		 - - - - - 58 134 102 118 125 117
Loans Held for Sale		 - - - - - 7.71 59 25 9.91 8.77 76
Premises and Equipment, Net		 144 154 161 152 143 147 162 157 146 139 124
Goodwill		 175 262 307 307 307 346 382 381 381 381 381
Intangible Assets		 3.03 8.98 32 26 20 23 20 13 8.56 5.29 2.84
Other Assets		 6,196 7,453 7,887 7,979 8,244 9,129 482 441 537 624 613
Total Liabilities & Shareholders' Equity		 7,775 8,952 9,624 9,364 9,608 10,494 13,806 14,502 14,113 14,419 14,408
Total Liabilities		 6,712 7,789 8,453 8,156 8,350 9,141 12,268 12,918 12,622 12,868 12,811
Non-Interest Bearing Deposits		 - - - - 7,894 8,592 11,599 12,301 11,465 11,980 12,145
Interest Bearing Deposits		 31 34 37 41 43 45 45 45 48 45 42
Short-Term Debt		 - - - - 234 246 160 139 681 399 200
Accrued Interest Payable		 0.94 1.99 0.64 0.46 0.74 1.14 2.05 1.80 3.23 14 6.94
Long-Term Debt		 991 1,086 254 219 111 122 252 253 243 244 244
Other Long-Term Liabilities		 5,690 6,667 8,161 7,895 66 135 209 179 182 186 173
Total Equity & Noncontrolling Interests		 1,063 1,163 1,171 1,208 1,258 1,353 1,539 1,584 1,491 1,551 1,597
Total Preferred & Common Equity		 1,063 1,163 1,171 1,208 1,258 1,353 1,539 1,584 1,491 1,551 1,597
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,063 1,163 1,171 1,208 1,258 1,353 1,539 1,584 1,491 1,551 1,597
Common Stock		 605 698 720 732 747 807 1,017 1,012 1,021 1,026 1,035
Retained Earnings		 482 489 479 508 550 583 555 610 642 675 673
Accumulated Other Comprehensive Income / (Loss)		 -24 -25 -28 -32 -40 -37 -34 -38 -171 -149 -111

Quarterly Balance Sheets for Northwest Bancshares

This table presents Northwest Bancshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025
Total Assets		 13,953 14,194 14,291 14,362 14,510 14,386 14,354 14,454
Cash and Due from Banks		 119 96 128 162 119 228 227 353
Trading Account Securities		 2,151 2,072 1,922 1,840 1,895 1,813 1,879 1,889
Loans and Leases, Net of Allowance		 10,616 10,964 11,147 11,185 11,368 11,220 11,169 11,094
Loans and Leases		 10,726 11,085 11,255 11,300 11,493 11,345 11,295 11,216
Allowance for Loan and Lease Losses		 110 121 124 125 125 125 126 123
Loans Held for Sale		 16 7.01 16 11 8.08 9.45 9.37 71
Premises and Equipment, Net		 146 140 140 138 131 128 126 123
Goodwill		 381 381 381 381 381 381 381 381
Intangible Assets		 9.49 7.65 6.81 6.01 4.59 3.95 3.36 2.33
Other Assets		 515 526 568 650 603 601 559 540
Total Liabilities & Shareholders' Equity		 13,953 14,194 14,291 14,362 14,510 14,386 14,354 14,454
Total Liabilities		 12,493 12,681 12,780 12,864 12,958 12,829 12,763 12,825
Non-Interest Bearing Deposits		 3,094 2,896 2,821 2,774 2,618 2,582 2,582 2,641
Interest Bearing Deposits		 8,814 8,691 8,899 9,043 9,500 9,558 9,514 9,577
Short-Term Debt		 - 689 632 605 401 242 204 197
Accrued Interest Payable		 0.83 2.24 4.94 7.92 17 21 15 6.84
Long-Term Debt		 393 243 243 244 244 244 244 245
Other Long-Term Liabilities		 191 159 180 190 177 181 204 158
Total Equity & Noncontrolling Interests		 1,460 1,513 1,512 1,498 1,552 1,557 1,591 1,629
Total Preferred & Common Equity		 1,460 1,513 1,512 1,498 1,552 1,557 1,591 1,629
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,460 1,513 1,512 1,498 1,552 1,557 1,591 1,629
Common Stock		 1,018 1,022 1,023 1,025 1,027 1,029 1,032 1,036
Retained Earnings		 632 650 657 671 678 658 666 691
Accumulated Other Comprehensive Income / (Loss)		 -191 -159 -169 -198 -153 -130 -106 -98

Annual Metrics And Ratios for Northwest Bancshares

This table displays calculated financial ratios and metrics derived from Northwest Bancshares' official financial filings.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 0.38% 3.91% 18.25% 12.37% -2.48% 6.86% 13.94% 1.94% -0.49% 3.38% -4.90%
EBITDA Growth		 -7.84% 4.89% -9.87% 71.27% -5.46% 1.36% -30.71% 113.25% -14.18% 9.58% -25.22%
EBIT Growth		 -9.70% 5.66% -19.42% 90.58% -1.47% 5.38% -34.43% 117.37% -13.64% 0.80% -26.01%
NOPAT Growth		 -6.91% -2.30% -17.96% 90.20% 11.67% 4.68% -32.22% 106.17% -13.39% 0.97% -25.70%
Net Income Growth		 -6.91% -2.30% -17.96% 90.20% 11.67% 4.68% -32.22% 106.17% -13.39% 0.97% -25.70%
EPS Growth		 -8.22% -4.48% -23.44% 87.76% 10.87% 1.96% -40.38% 95.16% -13.22% 0.95% -25.47%
Operating Cash Flow Growth		 -30.44% 24.99% 19.88% 11.85% -8.49% -8.24% 10.18% 46.30% -14.61% -47.05% 37.44%
Free Cash Flow Firm Growth		 711.38% -191.19% 747.64% -89.47% -176.66% 89.02% -1,890.79% 183.99% -336.82% 216.28% -29.18%
Invested Capital Growth		 -4.02% 9.52% -36.66% 0.17% 12.34% 7.37% 13.31% 1.27% 22.30% -9.18% -6.95%
Revenue Q/Q Growth		 -0.90% 3.39% 4.54% -0.14% 0.69% 1.56% 3.53% -2.07% 4.16% -1.69% 3.73%
EBITDA Q/Q Growth		 -5.13% 3.28% 17.53% -6.37% 1.80% 0.29% 9.25% 1.94% 0.33% -1.57% 0.00%
EBIT Q/Q Growth		 -6.33% 1.54% 20.19% -5.64% 4.11% -1.16% 14.94% -2.46% 3.52% -4.57% 4.45%
NOPAT Q/Q Growth		 -4.43% -1.87% 20.07% -2.42% 4.27% -0.79% 14.49% -3.14% 3.56% -4.01% 3.87%
Net Income Q/Q Growth		 -4.43% -1.87% 20.07% -2.42% 4.27% -0.79% 14.49% -3.14% 3.56% -4.01% 3.87%
EPS Q/Q Growth		 -5.63% -3.03% 19.51% -2.13% 4.08% -1.89% 10.71% -4.72% 3.96% -4.50% 3.95%
Operating Cash Flow Q/Q Growth		 -11.60% 9.54% 26.70% -10.13% -2.67% -11.02% -17.66% 65.46% -1.44% -17.85% -48.89%
Free Cash Flow Firm Q/Q Growth		 30.67% -53.52% 4.16% 23.96% -2,799.85% 91.04% 44.90% -55.74% -241.41% 201.01% -37.34%
Invested Capital Q/Q Growth		 -0.21% 1.88% 1.05% -0.37% 4.72% -0.43% -5.96% 1.78% 30.39% -6.51% 0.08%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 29.41% 29.69% 22.63% 34.50% 33.44% 31.72% 19.29% 40.35% 34.80% 36.88% 29.00%
EBIT Margin		 26.21% 26.65% 18.16% 30.80% 31.12% 30.68% 17.66% 37.65% 32.68% 31.86% 24.79%
Profit (Net Income) Margin		 19.39% 18.23% 12.65% 21.41% 24.51% 24.01% 14.29% 28.89% 25.15% 24.56% 19.19%
Tax Burden Percent		 73.98% 68.41% 69.64% 69.51% 78.78% 78.26% 80.90% 76.73% 76.96% 77.08% 77.41%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 26.02% 31.59% 30.36% 30.49% 21.22% 21.74% 19.10% 23.27% 23.04% 22.92% 22.59%
Return on Invested Capital (ROIC)		 2.96% 2.81% 2.70% 6.62% 6.96% 6.64% 4.08% 7.86% 6.09% 5.86% 4.74%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.96% 2.81% 2.70% 6.62% 6.96% 6.64% 4.08% 7.86% 6.09% 5.86% 4.74%
Return on Net Nonoperating Assets (RNNOA)		 2.63% 2.63% 1.55% 1.32% 1.60% 1.82% 1.10% 2.02% 2.61% 3.02% 1.64%
Return on Equity (ROE)		 5.59% 5.44% 4.26% 7.94% 8.56% 8.46% 5.18% 9.89% 8.69% 8.87% 6.37%
Cash Return on Invested Capital (CROIC)		 7.06% -6.27% 47.59% 6.46% -4.66% -0.47% -8.40% 6.60% -13.98% 15.48% 11.93%
Operating Return on Assets (OROA)		 1.07% 1.06% 0.77% 1.43% 1.41% 1.40% 0.76% 1.42% 1.21% 1.23% 0.90%
Return on Assets (ROA)		 0.79% 0.72% 0.53% 1.00% 1.11% 1.10% 0.62% 1.09% 0.93% 0.95% 0.70%
Return on Common Equity (ROCE)		 5.59% 5.44% 4.26% 7.94% 8.56% 8.46% 5.18% 9.89% 8.69% 8.87% 6.37%
Return on Equity Simple (ROE_SIMPLE)		 5.83% 5.20% 4.24% 7.82% 8.39% 8.16% 4.86% 9.75% 8.96% 8.70% 6.28%
Net Operating Profit after Tax (NOPAT)		 62 61 50 94 105 110 75 154 134 135 100
NOPAT Margin		 19.39% 18.23% 12.65% 21.41% 24.51% 24.01% 14.29% 28.89% 25.15% 24.56% 19.19%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 54.54% 55.33% 54.10% 52.09% 52.84% 52.46% 50.91% 54.10% 52.60% 53.32% 59.73%
Operating Expenses to Revenue		 67.44% 70.43% 78.39% 64.72% 64.16% 64.39% 66.32% 65.30% 62.00% 63.98% 70.52%
Earnings before Interest and Taxes (EBIT)		 84 89 71 136 134 141 93 201 174 175 130
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 94 99 89 152 144 146 101 216 185 203 152
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.67 0.74 1.02 0.97 0.99 0.97 0.84 0.95 1.03 0.94 1.04
Price to Tangible Book Value (P/TBV)		 0.81 0.96 1.44 1.34 1.33 1.33 1.13 1.26 1.39 1.26 1.36
Price to Revenue (P/Rev)		 2.23 2.58 3.05 2.65 2.88 2.85 2.46 2.81 2.88 2.67 3.17
Price to Earnings (P/E)		 11.52 14.13 24.09 12.38 11.76 11.87 17.20 9.73 11.46 10.86 16.50
Dividend Yield		 6.52% 6.66% 5.08% 5.62% 5.66% 5.86% 7.54% 6.66% 6.63% 6.94% 6.16%
Earnings Yield		 8.68% 7.08% 4.15% 8.08% 8.50% 8.42% 5.81% 10.28% 8.73% 9.21% 6.06%
Enterprise Value to Invested Capital (EV/IC)		 0.71 0.79 0.74 0.92 0.95 0.94 0.49 0.31 0.96 0.91 0.89
Enterprise Value to Revenue (EV/Rev)		 4.58 5.34 2.70 2.97 3.53 3.52 1.84 1.15 4.36 3.61 3.47
Enterprise Value to EBITDA (EV/EBITDA)		 15.58 17.99 11.93 8.61 10.54 11.10 9.53 2.85 12.52 9.80 11.95
Enterprise Value to EBIT (EV/EBIT)		 17.48 20.05 14.87 9.65 11.33 11.47 10.41 3.05 13.33 11.34 13.98
Enterprise Value to NOPAT (EV/NOPAT)		 23.64 29.30 21.36 13.88 14.38 14.66 12.87 3.98 17.33 14.72 18.06
Enterprise Value to Operating Cash Flow (EV/OCF)		 16.17 15.67 7.82 8.64 10.92 12.70 6.86 2.99 13.20 21.38 14.19
Enterprise Value to Free Cash Flow (EV/FCFF)		 9.89 0.00 1.21 14.24 0.00 0.00 0.00 4.74 0.00 5.57 7.17
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.93 0.93 0.22 0.18 0.27 0.27 0.27 0.25 0.62 0.41 0.28
Long-Term Debt to Equity		 0.93 0.93 0.22 0.18 0.09 0.09 0.16 0.16 0.16 0.16 0.15
Financial Leverage		 0.89 0.93 0.57 0.20 0.23 0.27 0.27 0.26 0.43 0.52 0.35
Leverage Ratio		 7.06 7.52 7.96 7.98 7.70 7.70 8.40 9.07 9.31 9.38 9.16
Compound Leverage Factor		 7.06 7.52 7.96 7.98 7.70 7.70 8.40 9.07 9.31 9.38 9.16
Debt to Total Capital		 48.26% 48.29% 17.84% 15.38% 21.56% 21.39% 21.11% 19.83% 38.26% 29.29% 21.78%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 14.62% 14.31% 8.19% 7.04% 28.20% 18.18% 9.81%
Long-Term Debt to Total Capital		 48.26% 48.29% 17.84% 15.38% 6.94% 7.08% 12.93% 12.79% 10.07% 11.11% 11.97%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 51.74% 51.71% 82.16% 84.62% 78.44% 78.61% 78.89% 80.17% 61.74% 70.71% 78.22%
Debt to EBITDA		 10.54 11.02 2.86 1.44 2.40 2.52 4.08 1.82 5.00 3.17 2.93
Net Debt to EBITDA		 7.98 9.32 -1.53 0.93 1.92 2.11 -3.21 -4.12 4.24 2.57 1.03
Long-Term Debt to EBITDA		 10.54 11.02 2.86 1.44 0.77 0.84 2.49 1.17 1.31 1.20 1.61
Debt to NOPAT		 16.00 17.94 5.12 2.32 3.28 3.33 5.50 2.54 6.92 4.76 4.43
Net Debt to NOPAT		 12.11 15.18 -2.73 1.50 2.62 2.78 -4.33 -5.75 5.87 3.86 1.56
Long-Term Debt to NOPAT		 16.00 17.94 5.12 2.32 1.05 1.10 3.37 1.64 1.82 1.81 2.44
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 148 -135 874 92 -71 -7.75 -154 130 -307 357 253
Operating Cash Flow to CapEx		 908.63% 856.10% 891.26% 4,081.69% 2,654.48% 1,169.48% 1,146.03% 1,172.91% 4,060.90% 1,084.66% 5,531.50%
Free Cash Flow to Firm to Interest Expense		 2.62 -2.40 22.83 3.28 -1.90 -0.14 -3.64 4.76 -10.91 2.34 1.08
Operating Cash Flow to Interest Expense		 1.60 2.01 3.54 5.41 3.74 2.24 3.32 7.54 6.24 0.61 0.55
Operating Cash Flow Less CapEx to Interest Expense		 1.42 1.78 3.15 5.28 3.60 2.05 3.03 6.90 6.09 0.55 0.54
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.05 0.05 0.05 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.20 2.23 2.49 2.82 2.91 3.16 3.39 3.36 3.52 3.86 3.97
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,054 2,249 1,425 1,427 1,603 1,721 1,951 1,975 2,416 2,194 2,042
Invested Capital Turnover		 0.15 0.15 0.21 0.31 0.28 0.28 0.29 0.27 0.24 0.24 0.25
Increase / (Decrease) in Invested Capital		 -86 196 -825 2.40 176 118 229 25 441 -222 -152
Enterprise Value (EV)		 1,464 1,774 1,061 1,311 1,517 1,618 963 614 2,316 1,986 1,811
Market Capitalization		 714 855 1,196 1,169 1,240 1,311 1,288 1,502 1,531 1,466 1,655
Book Value per Share		 $11.19 $11.43 $11.56 $11.77 $12.17 $12.69 $12.04 $12.51 $11.75 $12.21 $12.53
Tangible Book Value per Share		 $9.31 $8.77 $8.20 $8.52 $9.01 $9.23 $8.89 $9.40 $8.68 $9.17 $9.52
Total Capital		 2,054 2,249 1,425 1,427 1,603 1,721 1,951 1,975 2,416 2,194 2,042
Total Debt		 991 1,086 254 219 346 368 412 392 924 643 445
Total Long-Term Debt		 991 1,086 254 219 111 122 252 253 243 244 244
Net Debt		 750 919 -136 142 277 307 -324 -888 785 520 156
Capital Expenditures (CapEx)		 9.97 13 15 3.72 5.23 11 12 18 4.32 8.56 2.31
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 991 1,086 254 219 346 368 412 392 924 643 445
Total Depreciation and Amortization (D&A)		 10 10 18 16 9.99 4.75 8.54 14 11 28 22
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.68 $0.64 $0.50 $0.94 $1.03 $1.05 $0.62 $1.22 $1.05 $1.06 $0.79
Adjusted Weighted Average Basic Shares Outstanding		 94.72M 101.78M 101.82M 102.55M 103.69M 106.93M 126.95M 126.67M 127.05M 127.11M 127.51M
Adjusted Diluted Earnings per Share		 $0.67 $0.64 $0.49 $0.92 $1.02 $1.04 $0.62 $1.21 $1.05 $1.06 $0.79
Adjusted Weighted Average Diluted Shares Outstanding		 94.72M 101.78M 101.82M 102.55M 103.69M 106.93M 126.95M 126.67M 127.05M 127.11M 127.51M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 94.72M 101.78M 101.82M 102.55M 103.69M 106.93M 126.95M 126.67M 127.05M 127.11M 127.51M
Normalized Net Operating Profit after Tax (NOPAT)		 62 67 58 94 105 114 92 157 138 140 105
Normalized NOPAT Margin		 19.48% 20.24% 14.81% 21.41% 24.51% 24.72% 17.50% 29.39% 25.96% 25.51% 20.04%
Pre Tax Income Margin		 26.21% 26.65% 18.16% 30.80% 31.12% 30.68% 17.66% 37.65% 32.68% 31.86% 24.79%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.48 1.57 1.86 4.84 3.61 2.48 2.19 7.38 6.18 1.15 0.55
NOPAT to Interest Expense		 1.10 1.07 1.30 3.37 2.84 1.94 1.77 5.66 4.75 0.89 0.43
EBIT Less CapEx to Interest Expense		 1.30 1.34 1.46 4.71 3.46 2.29 1.90 6.74 6.02 1.09 0.54
NOPAT Less CapEx to Interest Expense		 0.92 0.84 0.90 3.23 2.70 1.75 1.48 5.02 4.60 0.83 0.42
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 241.97% 87.26% 121.12% 69.03% 66.28% 68.98% 124.42% 64.98% 75.91% 75.33% 101.57%
Augmented Payout Ratio		 250.48% 100.22% 124.65% 69.03% 66.28% 68.98% 136.81% 80.43% 75.91% 75.33% 101.57%

Quarterly Metrics And Ratios for Northwest Bancshares

This table displays calculated financial ratios and metrics derived from Northwest Bancshares' official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 9.36% 17.14% 17.25% 5.84% -0.21% -6.51% -3.83% -29.17% -0.09% 13.87% 19.03%
EBITDA Growth		 15.91% 1.26% 14.68% 16.50% 15.00% -6.63% -8.52% -75.52% -14.46% -0.02% 32.68%
EBIT Growth		 7.49% 15.01% 22.53% 0.65% 2.83% -18.52% -14.20% -86.36% -14.19% 14.98% 49.77%
NOPAT Growth		 6.39% 15.28% 19.06% -1.14% 5.14% -16.26% -13.41% -85.63% -14.28% 12.88% 49.02%
Net Income Growth		 6.39% 15.28% 19.06% -1.14% 5.14% -16.26% -13.41% -85.63% -14.28% 12.88% 49.02%
EPS Growth		 7.41% 16.67% 18.18% 0.00% 6.90% -17.86% -11.54% -84.62% -16.13% 13.04% 47.83%
Operating Cash Flow Growth		 155.85% -3.77% 232.89% -53.51% -106.04% -30.89% 136.91% 77.44% 1,956.05% -270.45% 52.21%
Free Cash Flow Firm Growth		 -25.69% -7,752.04% -1,051.14% -482.32% -463.03% 161.81% 153.96% 171.76% 174.87% -26.18% -38.73%
Invested Capital Growth		 -4.53% 22.30% 28.85% 27.81% 26.65% -9.18% -10.15% -14.42% -13.07% -6.95% -5.75%
Revenue Q/Q Growth		 6.76% 3.83% -5.84% 1.40% 0.66% -2.72% -3.15% -25.31% 41.99% 10.87% 1.24%
EBITDA Q/Q Growth		 17.23% -5.08% -3.57% 8.58% 15.72% -22.93% -5.52% -70.94% 304.33% -9.92% 25.38%
EBIT Q/Q Growth		 13.89% -8.25% -2.74% -0.98% 16.36% -27.30% 2.42% -84.26% 631.96% -2.58% 33.41%
NOPAT Q/Q Growth		 11.60% -7.12% -2.80% -1.89% 18.69% -26.02% 0.51% -83.72% 608.19% -2.58% 32.70%
Net Income Q/Q Growth		 11.60% -7.12% -2.80% -1.89% 18.69% -26.02% 0.51% -83.72% 608.19% -2.58% 32.70%
EPS Q/Q Growth		 11.54% -3.45% -7.14% 0.00% 19.23% -25.81% 0.00% -82.61% 550.00% 0.00% 30.77%
Operating Cash Flow Q/Q Growth		 68.91% -21.50% -54.33% -23.22% -121.94% 998.55% 56.55% -42.50% 129.45% -182.52% 239.80%
Free Cash Flow Firm Q/Q Growth		 -1.56% -424.12% -26.60% 5.34% 6.53% 155.18% 10.52% 25.88% -2.48% -45.59% -8.27%
Invested Capital Q/Q Growth		 -0.81% 30.39% 1.22% -2.37% -1.70% -6.51% 0.14% -7.01% -0.15% 0.08% 1.43%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 36.81% 33.65% 34.46% 36.90% 42.42% 33.61% 32.78% 12.75% 36.32% 29.51% 36.54%
EBIT Margin		 35.32% 31.21% 32.24% 31.48% 36.40% 27.20% 28.77% 6.06% 31.26% 27.47% 36.19%
Profit (Net Income) Margin		 26.73% 23.91% 24.69% 23.89% 28.16% 21.42% 22.23% 4.84% 24.16% 21.23% 27.83%
Tax Burden Percent		 75.68% 76.61% 76.57% 75.86% 77.38% 78.74% 77.27% 79.89% 77.30% 77.30% 76.88%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 24.32% 23.39% 23.43% 24.14% 22.62% 21.26% 22.73% 20.11% 22.70% 22.70% 23.12%
Return on Invested Capital (ROIC)		 7.19% 5.79% 6.27% 6.28% 7.50% 5.11% 5.21% 1.10% 5.55% 5.24% 7.14%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.19% 5.79% 6.27% 6.28% 7.50% 5.11% 5.21% 1.10% 5.55% 5.24% 7.14%
Return on Net Nonoperating Assets (RNNOA)		 1.84% 2.48% 2.70% 2.61% 3.15% 2.63% 2.68% 0.49% 2.33% 1.81% 2.44%
Return on Equity (ROE)		 9.03% 8.27% 8.97% 8.89% 10.64% 7.74% 7.89% 1.59% 7.88% 7.05% 9.58%
Cash Return on Invested Capital (CROIC)		 11.44% -13.98% -18.81% -17.89% -16.82% 15.48% 16.31% 20.15% 18.39% 11.93% 11.29%
Operating Return on Assets (OROA)		 1.27% 1.16% 1.24% 1.24% 1.44% 1.05% 1.09% 0.21% 1.10% 1.00% 1.37%
Return on Assets (ROA)		 0.96% 0.89% 0.95% 0.94% 1.11% 0.82% 0.84% 0.17% 0.85% 0.77% 1.05%
Return on Common Equity (ROCE)		 9.03% 8.27% 8.97% 8.89% 10.64% 7.74% 7.89% 1.59% 7.88% 7.05% 9.58%
Return on Equity Simple (ROE_SIMPLE)		 8.84% 0.00% 9.19% 9.17% 9.38% 0.00% 8.40% 6.56% 6.07% 0.00% 7.03%
Net Operating Profit after Tax (NOPAT)		 37 35 34 33 39 29 29 4.75 34 33 43
NOPAT Margin		 26.73% 23.91% 24.69% 23.89% 28.16% 21.42% 22.23% 4.84% 24.16% 21.23% 27.83%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 49.76% 48.57% 52.27% 52.57% 54.11% 54.31% 57.96% 79.70% 57.41% 50.66% 50.46%
Operating Expenses to Revenue		 56.60% 61.27% 64.10% 62.06% 62.88% 66.93% 68.62% 94.31% 65.24% 61.80% 58.74%
Earnings before Interest and Taxes (EBIT)		 49 45 44 44 51 37 38 5.94 43 42 57
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 51 49 47 51 59 46 43 12 51 46 57
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.03 1.03 0.91 0.82 0.81 0.94 0.92 0.93 1.07 1.04 0.94
Price to Tangible Book Value (P/TBV)		 1.40 1.39 1.22 1.10 1.09 1.26 1.23 1.24 1.41 1.36 1.23
Price to Revenue (P/Rev)		 2.94 2.88 2.50 2.21 2.17 2.67 2.63 2.87 3.38 3.17 2.80
Price to Earnings (P/E)		 11.64 11.46 9.90 8.91 8.63 10.86 10.97 14.18 17.65 16.50 13.38
Dividend Yield		 6.76% 6.63% 7.38% 8.23% 8.38% 6.94% 7.10% 7.03% 5.98% 6.16% 6.66%
Earnings Yield		 8.59% 8.73% 10.10% 11.22% 11.59% 9.21% 9.11% 7.05% 5.66% 6.06% 7.48%
Enterprise Value to Invested Capital (EV/IC)		 0.96 0.96 0.90 0.83 0.81 0.91 0.89 0.84 0.94 0.89 0.78
Enterprise Value to Revenue (EV/Rev)		 3.48 4.36 4.01 3.55 3.40 3.61 3.60 3.39 3.82 3.47 2.96
Enterprise Value to EBITDA (EV/EBITDA)		 9.64 12.52 11.58 10.01 9.22 9.80 9.85 10.66 12.71 11.95 9.79
Enterprise Value to EBIT (EV/EBIT)		 10.59 13.33 12.17 10.90 10.35 11.34 11.59 13.00 15.53 13.98 10.93
Enterprise Value to NOPAT (EV/NOPAT)		 13.76 17.33 15.91 14.31 13.51 14.72 15.00 16.71 19.95 18.06 14.15
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.98 13.20 9.71 9.85 16.79 21.38 14.63 11.26 7.71 14.19 9.85
Enterprise Value to Free Cash Flow (EV/FCFF)		 8.19 0.00 0.00 0.00 0.00 5.57 5.17 3.82 4.78 7.17 6.73
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.27 0.62 0.62 0.58 0.57 0.41 0.42 0.31 0.28 0.28 0.27
Long-Term Debt to Equity		 0.27 0.16 0.16 0.16 0.16 0.16 0.16 0.16 0.15 0.15 0.15
Financial Leverage		 0.26 0.43 0.43 0.42 0.42 0.52 0.51 0.44 0.42 0.35 0.34
Leverage Ratio		 9.38 9.31 9.42 9.46 9.57 9.38 9.36 9.35 9.29 9.16 9.10
Compound Leverage Factor		 9.38 9.31 9.42 9.46 9.57 9.38 9.36 9.35 9.29 9.16 9.10
Debt to Total Capital		 21.21% 38.26% 38.11% 36.69% 36.15% 29.29% 29.34% 23.81% 21.99% 21.78% 21.34%
Short-Term Debt to Total Capital		 0.00% 28.20% 28.16% 26.49% 25.76% 18.18% 18.24% 11.86% 10.02% 9.81% 9.53%
Long-Term Debt to Total Capital		 21.21% 10.07% 9.95% 10.20% 10.38% 11.11% 11.10% 11.95% 11.97% 11.97% 11.81%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 78.79% 61.74% 61.89% 63.32% 63.85% 70.71% 70.66% 76.19% 78.01% 78.22% 78.67%
Debt to EBITDA		 2.13 5.00 4.88 4.42 4.12 3.17 3.25 3.04 2.96 2.93 2.67
Net Debt to EBITDA		 1.49 4.24 4.37 3.77 3.33 2.57 2.64 1.61 1.46 1.03 0.53
Long-Term Debt to EBITDA		 2.13 1.31 1.27 1.23 1.18 1.20 1.23 1.52 1.61 1.61 1.48
Debt to NOPAT		 3.05 6.92 6.70 6.32 6.03 4.76 4.94 4.76 4.65 4.43 3.86
Net Debt to NOPAT		 2.13 5.87 6.01 5.39 4.88 3.86 4.03 2.53 2.30 1.56 0.77
Long-Term Debt to NOPAT		 3.05 1.82 1.75 1.76 1.73 1.81 1.87 2.39 2.53 2.44 2.13
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 125 -406 -514 -486 -455 251 277 349 340 185 170
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 5,906.26%
Free Cash Flow to Firm to Interest Expense		 21.34 -37.55 -22.86 -13.72 -10.52 4.91 4.86 5.82 5.66 3.28 3.22
Operating Cash Flow to Interest Expense		 14.19 6.05 1.33 0.65 -0.12 0.88 1.24 0.68 1.55 -1.36 2.04
Operating Cash Flow Less CapEx to Interest Expense		 14.19 6.05 1.33 0.65 -0.12 0.88 1.24 0.68 1.55 -1.36 2.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 3.38 3.52 3.80 3.90 3.93 3.86 4.02 3.76 3.81 3.97 4.32
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,853 2,416 2,445 2,387 2,347 2,194 2,197 2,043 2,040 2,042 2,071
Invested Capital Turnover		 0.27 0.24 0.25 0.26 0.27 0.24 0.23 0.23 0.23 0.25 0.26
Increase / (Decrease) in Invested Capital		 -88 441 547 519 494 -222 -248 -344 -307 -152 -126
Enterprise Value (EV)		 1,776 2,316 2,212 1,984 1,899 1,986 1,957 1,706 1,926 1,811 1,621
Market Capitalization		 1,502 1,531 1,377 1,236 1,213 1,466 1,432 1,448 1,704 1,655 1,533
Book Value per Share		 $11.51 $11.75 $11.91 $11.90 $11.79 $12.21 $12.20 $12.23 $12.49 $12.53 $12.77
Tangible Book Value per Share		 $8.43 $8.68 $8.85 $8.84 $8.74 $9.17 $9.17 $9.21 $9.48 $9.52 $9.77
Total Capital		 1,853 2,416 2,445 2,387 2,347 2,194 2,197 2,043 2,040 2,042 2,071
Total Debt		 393 924 932 876 848 643 645 486 449 445 442
Total Long-Term Debt		 393 243 243 243 244 244 244 244 244 244 245
Net Debt		 274 785 835 748 686 520 525 258 222 156 89
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.82
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 393 924 932 876 848 643 645 486 449 445 442
Total Depreciation and Amortization (D&A)		 2.08 3.53 3.03 7.49 8.39 8.68 5.27 6.56 7.04 3.15 0.55
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.29 $0.28 $0.27 $0.26 $0.31 $0.22 $0.23 $0.04 $0.26 $0.26 $0.34
Adjusted Weighted Average Basic Shares Outstanding		 126.99M 127.05M 127.06M 127.10M 127.10M 127.11M 127.26M 127.37M 127.40M 127.51M 127.75M
Adjusted Diluted Earnings per Share		 $0.29 $0.28 $0.26 $0.26 $0.31 $0.23 $0.23 $0.04 $0.26 $0.26 $0.34
Adjusted Weighted Average Diluted Shares Outstanding		 126.99M 127.05M 127.06M 127.10M 127.10M 127.11M 127.26M 127.37M 127.40M 127.51M 127.75M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 126.99M 127.05M 127.06M 127.10M 127.10M 127.11M 127.26M 127.37M 127.40M 127.51M 127.75M
Normalized Net Operating Profit after Tax (NOPAT)		 37 38 36 34 39 31 30 6.28 34 35 44
Normalized NOPAT Margin		 26.73% 26.16% 26.26% 24.76% 28.16% 22.79% 22.79% 6.41% 24.19% 22.66% 28.38%
Pre Tax Income Margin		 35.32% 31.21% 32.24% 31.48% 36.40% 27.20% 28.77% 6.06% 31.26% 27.47% 36.19%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 8.40 4.18 1.96 1.23 1.17 0.72 0.66 0.10 0.72 0.75 1.07
NOPAT to Interest Expense		 6.36 3.21 1.50 0.93 0.91 0.57 0.51 0.08 0.56 0.58 0.82
EBIT Less CapEx to Interest Expense		 8.40 4.18 1.96 1.23 1.17 0.72 0.66 0.10 0.72 0.75 1.04
NOPAT Less CapEx to Interest Expense		 6.36 3.21 1.50 0.93 0.91 0.57 0.51 0.08 0.56 0.58 0.79
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 78.55% 75.91% 73.02% 73.27% 72.30% 75.33% 77.96% 99.59% 105.43% 101.57% 88.97%
Augmented Payout Ratio		 78.55% 75.91% 73.02% 73.27% 72.30% 75.33% 77.96% 99.59% 105.43% 101.57% 88.97%

Key Financial Trends

Northwest Bancshares (NASDAQ: NWBI) has demonstrated steady financial performance over the past four years, with several positive trends as well as some areas to watch.

  • Net interest income has grown consistently, reaching $127.8 million in Q1 2025 compared to $112.5 million in Q1 2023, reflecting improved core lending and deposit interest spreads.
  • Non-interest income remains robust, totaling $28.4 million in Q1 2025, supported by steady trust fees and service charges, which diversify revenue streams beyond interest income.
  • Net income attributable to common shareholders increased to $43.5 million in Q1 2025, up from $33.7 million in Q1 2023, demonstrating improved profitability and operational efficiency.
  • Cash and due from banks have grown substantially from $96.5 million in Q1 2023 to $353.2 million in Q1 2025, reflecting strengthened liquidity.
  • Loans and leases net of allowance remained relatively stable with a slight increase to $11.09 billion in Q1 2025 compared to $10.96 billion in Q1 2023, indicating stable lending activity.
  • Total equity increased from approximately $1.51 billion in Q2 2023 to $1.63 billion in Q1 2025, reflecting retained earnings growth and a solid capital base.
  • Provision for credit losses has fluctuated, rising recently to $7.9 million in Q1 2025 from $5.0 million in Q1 2023. While this indicates a more cautious outlook on credit risk, it also reflects conservative loss reserving practices.
  • Interest expense increased moderately with deposits interest expense rising to $47.3 million in Q1 2025 from $47.7 million in Q1 2023, which may pressure net interest margins if not offset by higher yields.
  • Investment securities interest income has seen only modest growth, and capital gains/losses on investments have been volatile, including a large unrealized loss of -$37.5 million in Q2 2024, which impacted overall non-interest income negatively that quarter.
  • Total non-interest expenses rose slightly to $91.7 million in Q1 2025 from about $87.5 million in Q1 2023, driven by higher employee benefits and occupancy expenses, potentially limiting profitability gains.

Overall, Northwest Bancshares shows a solid upward trend in core profitability with expanding net interest income and earnings, supported by a strong balance sheet and liquidity position. The company maintains prudent credit loss provisions amid economic uncertainties. Investors should monitor expense management and investment income volatility that could influence future earnings stability.

08/08/25 03:05 PMAI Generated. May Contain Errors.

Frequently Asked Questions About Northwest Bancshares' Financials

When does Northwest Bancshares' financial year end?

According to the most recent income statement we have on file, Northwest Bancshares' fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Northwest Bancshares' net income changed over the last 10 years?

Northwest Bancshares' net income appears to be on an upward trend, with a most recent value of $100.28 million in 2024, rising from $61.96 million in 2014. The previous period was $134.96 million in 2023. Check out Northwest Bancshares' forecast to explore projected trends and price targets.

How has Northwest Bancshares' revenue changed over the last 10 years?

Over the last 10 years, Northwest Bancshares' total revenue changed from $319.61 million in 2014 to $522.59 million in 2024, a change of 63.5%.

How much debt does Northwest Bancshares have?

Northwest Bancshares' total liabilities were at $12.81 billion at the end of 2024, a 0.4% decrease from 2023, and a 90.9% increase since 2014.

How much cash does Northwest Bancshares have?

In the past 10 years, Northwest Bancshares' cash and equivalents has ranged from $60.85 million in 2019 to $1.28 billion in 2021, and is currently $288.38 million as of their latest financial filing in 2024.

How has Northwest Bancshares' book value per share changed over the last 10 years?

Over the last 10 years, Northwest Bancshares' book value per share changed from 11.19 in 2014 to 12.53 in 2024, a change of 12.0%.


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This page (NASDAQ:NWBI) was last updated on 8/8/2025 by MarketBeat.com Staff
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