Northwest Bancshares (NWBI) Financials

$12.17 -0.07 (-0.57%)

Closing price 05/23/2025 04:00 PM Eastern

Extended Trading

$12.18 +0.01 (+0.08%)

As of 05/23/2025 04:04 PM Eastern

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions About Northwest Bancshares' Financials

When does Northwest Bancshares's 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 5/25/2025 by MarketBeat.com Staff

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Northwest Bancshares (NWBI) Financials

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Northwest Bancshares (NWBI) Financials

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