What is Northwest Bancshares, Inc's earnings per share (EPS)?

Northwest Bancshares, Inc (NWBI) reported diluted earnings per share of $0.92 for fiscal year 2025. This represents a 16.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Northwest Bancshares, Inc (NWBI) Financials

NWBI

Trailing 12 months to June 30, 2026

Revenue $704.3M +17.4% YoY

Net Income $153.0M +6.6% YoY

EPS (Diluted) $1.03 -8.0% YoY

Free Cash Flow $137.6M +18.8% YoY

Market Cap $2.2B as of Oct 2, 2026

Price / Sales 3.2x on $704.3M revenue, trailing 12 months to June 30, 2026

Price / Earnings 14.5x on $153.0M net income, trailing 12 months to June 30, 2026

Price / Book 1.2x on $1.9B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 2, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 5, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 5, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the NWBI SEC filings page.

Northwest Bancshares, Inc (NWBI) reported $704.3M in revenue over the twelve months to Jun 30, 2026, up 17.4% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI NWBI FY2025 2026-09-05

Balance-sheet expansion, not margin expansion, is the dominant mechanic: FY2025 growth enlarged the platform while returns stayed subdued.

Revenue increased 25.3% in FY2025, but net profit margin remained 19.3%, so added scale did not yet improve earnings efficiency. Return on assets was 0.8% in FY2025 versus 0.9% in FY2023, reinforcing that the larger asset base has not restored prior returns.

Assets expanded to $16.8B from $14.4B in FY2023, and the larger balance sheet came with only modest leverage relief. Because liabilities grew alongside assets, debt-to-equity eased only from 8.3x to 7.9x—capital growth, not deleveraging, explains the larger platform.

Operating cash flow exceeded net income in both FY2024 and FY2025, indicating reported earnings were accompanied by cash generation rather than requiring a cash shortfall. Dividends consumed 77.5% of FY2025 free cash flow, so much of the cash generated was distributed rather than retained for balance-sheet strengthening.

Financial Health Signals

Financial Health Score 48/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Northwest Bancshares, Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Northwest Bancshares, Inc earned a return on assets of 0.8% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.7% the prior year. Earnings ranks banks on that return over three years, and Northwest Bancshares, Inc scores 40/100 among other banks.

Growth

Northwest Bancshares, Inc reported revenue of $654.7M in fiscal year 2025, against $522.6M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Northwest Bancshares, Inc scores 56/100 among other banks.

Capital

Northwest Bancshares, Inc funded 11.3% of its assets with shareholders' equity at the end of fiscal year 2025, holding $1.9B of equity against $16.8B of assets. Capital ranks banks on that cushion, and Northwest Bancshares, Inc scores 49/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Northwest Bancshares, Inc scores 38/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Northwest Bancshares, Inc scores 24/100 on it among other banks.

Stability

Northwest Bancshares, Inc reported net income of $126.0M in fiscal year 2025, against $100.3M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Northwest Bancshares, Inc scores 79/100 among other banks.

Piotroski F-Score Partial

5/6

Northwest Bancshares, Inc passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.22x

For every $1 of reported earnings, Northwest Bancshares, Inc generates $1.22 in operating cash flow ($153.4M OCF vs $126.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$181.2M

YoY+20.5%

QoQ+3.5%

5Y CAGR+3.8%

10Y CAGR+6.6%

Northwest Bancshares, Inc generated $181.2M in revenue in Q2 2026. This represents an increase of 20.5% from the same quarter a year earlier. Against the prior quarter it is up 3.5%.

Net Income

$53.5M

YoY+59.0%

QoQ+6.0%

5Y CAGR+1.8%

Northwest Bancshares, Inc reported $53.5M in net income in Q2 2026. This represents an increase of 59.0% from the same quarter a year earlier. Against the prior quarter it is up 6.0%.

EPS (Diluted)

$0.36

YoY+38.5%

QoQ+5.9%

5Y CAGR-1.1%

Northwest Bancshares, Inc earned $0.36 per diluted share (EPS) in Q2 2026. This represents an increase of 38.5% from the same quarter a year earlier. Against the prior quarter it is up 5.9%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$26.1M

YoY+538.7%

QoQ-62.4%

Northwest Bancshares, Inc generated $26.1M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 538.7% from the same quarter a year earlier. Against the prior quarter it is down 62.4%.

Cash & Debt

$248.5M

YoY-7.0%

QoQ-13.3%

5Y CAGR-21.9%

10Y CAGR-2.2%

Northwest Bancshares, Inc held $248.5M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.20

YoY0.0%

QoQ0.0%

5Y CAGR0.0%

10Y CAGR+2.9%

Northwest Bancshares, Inc paid $0.20 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

146M

YoY+0.2%

QoQ+0.1%

5Y CAGR+2.9%

10Y CAGR+3.6%

Northwest Bancshares, Inc had 146M shares outstanding in Q2 2026. This represents an increase of 0.2% from the same quarter a year earlier. Against the prior quarter it is up 0.1%.

Margins & Returns

Net Margin

29.6%

YoY+7.2pp

QoQ+0.7pp

5Y change-3.0pp

10Y change+36.9pp

Northwest Bancshares, Inc's net profit margin was 29.6% in Q2 2026, showing the share of revenue converted to profit. This is up 7.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.7 percentage points.

Return on Equity

2.8%

YoY+0.7pp

QoQ+0.1pp

5Y change-0.3pp

10Y change+3.4pp

Northwest Bancshares, Inc's ROE was 2.8% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$5.6M

YoY+53.1%

QoQ+29.0%

Northwest Bancshares, Inc invested $5.6M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 53.1% from the same quarter a year earlier. Against the prior quarter it is up 29.0%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

NWBI Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

NWBI quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$704.3M	$654.7M+25.3%	$522.6M-4.9%	$549.5M+3.4%	$531.5M-0.5%	$534.2M+1.9%	$524.0M+13.9%	$459.9M+6.9%	$430.3M-2.5%	$441.3M+12.4%	$392.7M+18.2%	$332.1M+3.9%	$319.6M+0.4%	$318.4M-0.9%	$321.4M-1.2%	$325.4M
SG&A Expenses	$15.2M	$13.6M+9.4%	$12.4M-4.0%	$13.0M-2.7%	$13.3M-3.3%	$13.8M-12.5%	$15.7M+11.3%	$14.1M0.0%	$14.1M-13.5%	$16.3M+9.7%	$14.9M+20.8%	$12.3M+5.4%	$11.7M-19.0%	$14.5M+9.3%	$13.2M+2.9%	$12.8M
Interest Expense	$236.6M	$224.3M-4.0%	$233.6M+53.5%	$152.2M+441.4%	$28.1M+3.2%	$27.2M-35.6%	$42.3M-25.6%	$56.9M+53.2%	$37.1M+32.3%	$28.1M-26.7%	$38.3M-32.0%	$56.3M-0.5%	$56.6M-7.5%	$61.2M-18.7%	$75.2M-19.0%	$92.8M
Income Tax	$46.1M	$36.8M+25.7%	$29.3M-27.1%	$40.1M+0.2%	$40.0M-14.5%	$46.8M+164.8%	$17.7M-42.4%	$30.7M+7.9%	$28.4M-31.4%	$41.4M+91.4%	$21.6M-22.6%	$28.0M+28.3%	$21.8M-16.8%	$26.2M-0.2%	$26.2M-2.3%	$26.9M
Net Income	$153.0M	$126.0M+25.7%	$100.3M-25.7%	$135.0M+1.0%	$133.7M-13.4%	$154.3M+106.2%	$74.9M-32.2%	$110.4M+4.7%	$105.5M+11.7%	$94.5M+90.2%	$49.7M-18.0%	$60.5M-2.3%	$62.0M-6.9%	$66.6M+5.0%	$63.4M-1.2%	$64.2M
EPS (Basic)	N/A	$0.93+17.7%	$0.79-25.5%	$1.06+1.0%	$1.05-13.9%	$1.22+96.8%	$0.62-41.0%	$1.05+1.9%	$1.03+9.6%	$0.94+88.0%	$0.50-21.9%	$0.64-5.9%	$0.68-6.8%	$0.73+7.4%	$0.68+6.3%	$0.64
EPS (Diluted)	$1.03	$0.92+16.5%	$0.79-25.5%	$1.06+1.0%	$1.05-13.2%	$1.21+95.2%	$0.62-40.4%	$1.04+2.0%	$1.02+10.9%	$0.92+87.8%	$0.49-23.4%	$0.64-4.5%	$0.67-8.2%	$0.73+9.0%	$0.67+4.7%	$0.64
Diluted Shares (Avg)	N/A	N/A	N/A	127M+0.2%	127M-0.2%	127M+5.6%	120M+13.6%	106M+2.2%	104M+1.0%	103M+1.9%	101M+6.2%	95M+2.8%	92M+0.9%	91M-2.9%	94M-6.0%	100M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$181.2M+20.5%	$175.1M+12.1%	$179.9M+16.6%	$168.2M+20.9%	$150.4M+53.5%	$156.2M+19.0%	$154.3M+13.9%	$139.1M-0.1%
SG&A Expenses	$3.7M+25.8%	$3.9M+30.2%	$4.2M+38.9%	$3.5M+24.3%	$2.9M-23.8%	$3.0M+7.6%	$3.0M-19.0%	$2.8M-17.3%
Interest Expense	$58.2M+11.7%	$59.1M+11.9%	$60.7M+7.3%	$58.7M-2.3%	$52.1M-13.1%	$52.8M-7.4%	$56.5M+10.6%	$60.1M+39.0%
Income Tax	$16.7M+60.2%	$16.1M+23.4%	$13.0M+35.0%	$302K-96.9%	$10.4M+772.2%	$13.1M+52.3%	$9.6M+22.8%	$9.9M-13.9%
Net Income	$53.5M+59.0%	$50.5M+16.3%	$45.7M+39.6%	$3.2M-90.6%	$33.7M+609.4%	$43.5M+49.0%	$32.8M+12.9%	$33.6M-14.3%
EPS (Basic)	$0.37+42.3%	$0.35+2.9%	$0.32+23.1%	$0.02-92.3%	$0.26+550.0%	$0.34+47.8%	$0.26+13.0%	$0.26-16.1%
EPS (Diluted)	$0.36+38.5%	$0.340.0%	$0.31+19.2%	$0.02-92.3%	$0.26+550.0%	$0.34+47.8%	$0.26+13.0%	$0.26-16.1%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA, Diluted Shares (Avg).

NWBI Balance Sheet

NWBI quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$16.8B+16.4%	$14.4B-0.1%	$14.4B+2.2%	$14.1B-2.7%	$14.5B+5.0%	$13.8B+31.6%	$10.5B+9.2%	$9.6B+2.6%	$9.4B-2.7%	$9.6B+7.5%	$9.0B+15.1%	$7.8B-1.3%	$7.9B-0.8%	$7.9B-0.2%	$8.0B
Cash & Equivalents	$233.6M-19.0%	$288.4M+135.9%	$122.3M-12.3%	$139.4M-89.1%	$1.3B+73.7%	$736.3M+1110.1%	$60.8M-11.5%	$68.8M-11.5%	$77.7M-80.1%	$389.9M+132.9%	$167.4M-30.5%	$240.7M-38.6%	$391.9M-13.2%	$451.7M-34.4%	$688.3M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$444.3M+16.6%	$381.0M0.0%	$381.0M0.0%	$381.0M0.0%	$381.0M-0.3%	$382.3M+10.5%	$346.1M+12.6%	$307.4M0.0%	$307.4M0.0%	$307.4M+17.5%	$261.7M+49.3%	$175.3M+0.4%	$174.6M0.0%	$174.6M+1.6%	$171.9M
Total Liabilities	$14.9B+16.1%	$12.8B-0.4%	$12.9B+1.9%	$12.6B-2.3%	$12.9B+5.3%	$12.3B+34.2%	$9.1B+9.5%	$8.4B+2.4%	$8.2B-3.5%	$8.5B+8.5%	$7.8B+16.0%	$6.7B-0.2%	$6.7B-1.3%	$6.8B+0.2%	$6.8B
Total Equity	$1.9B+18.4%	$1.6B+2.9%	$1.6B+4.0%	$1.5B-5.8%	$1.6B+2.9%	$1.5B+13.7%	$1.4B+7.6%	$1.3B+4.1%	$1.2B+3.2%	$1.2B+0.6%	$1.2B+9.5%	$1.1B-8.0%	$1.2B+2.5%	$1.1B-2.3%	$1.2B
Retained Earnings	$689.2M+2.4%	$673.1M-0.2%	$674.7M+5.1%	$641.7M+5.3%	$609.5M+9.7%	$555.5M-4.8%	$583.4M+6.0%	$550.4M+8.3%	$508.1M+6.1%	$478.8M-2.1%	$489.3M+1.6%	$481.6M-15.4%	$569.5M+3.5%	$550.3M+1.2%	$543.6M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$17.2B+18.8%	$16.9B+17.0%	$16.8B+16.4%	$16.4B+14.1%	$14.5B+0.7%	$14.5B-0.4%	$14.4B-0.1%	$14.4B-0.1%
Cash & Equivalents	$248.5M-7.0%	$286.7M-18.8%	$233.6M-19.0%	$278.8M+22.9%	$267.1M+16.9%	$353.2M+196.0%	$288.4M+135.9%	$226.9M+40.1%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$445.0M+16.8%	$444.3M+16.6%	$444.3M+16.6%	$438.4M+15.1%	$381.0M0.0%	$381.0M0.0%	$381.0M0.0%	$381.0M0.0%
Total Liabilities	$15.3B+19.0%	$15.0B+17.0%	$14.9B+16.1%	$14.5B+13.8%	$12.8B+0.1%	$12.8B-1.0%	$12.8B-0.4%	$12.8B-0.8%
Total Equity	$1.9B+17.4%	$1.9B+16.9%	$1.9B+18.4%	$1.9B+16.6%	$1.6B+5.5%	$1.6B+4.9%	$1.6B+2.9%	$1.6B+6.2%
Retained Earnings	$734.4M+5.1%	$710.4M+2.8%	$689.2M+2.4%	$672.8M+1.1%	$699.0M+6.3%	$691.1M+1.9%	$673.1M-0.2%	$665.8M-0.8%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

NWBI Cash Flow Statement

NWBI quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$153.7M	$153.4M+20.2%	$127.7M+37.4%	$92.9M-47.1%	$175.4M-14.6%	$205.5M+46.3%	$140.4M+10.2%	$127.5M-8.2%	$138.9M-8.5%	$151.8M+11.9%	$135.7M+19.9%	$113.2M+25.0%	$90.6M-30.4%	$130.2M+2.5%	$127.1M+7.0%	$118.7M
Depreciation & Amortization	N/A	$12.0M+9.1%	$11.0M-8.3%	$12.0M0.0%	$12.0M-0.8%	$12.1M+1.7%	$11.9M+1.7%	$11.7M-3.3%	$12.1M-2.4%	$12.4M-9.5%	$13.7M+3.0%	$13.3M+10.8%	$12.0M+0.8%	$11.9M+3.5%	$11.5M-1.7%	$11.7M
Stock-Based Compensation	N/A	$6.1M+0.6%	$6.1M+32.9%	$4.6M+12.3%	$4.1M-14.1%	$4.7M+11.9%	$4.2M-38.1%	$6.8M-2.5%	$7.0M+43.5%	$4.9M-55.2%	$10.9M+96.0%	$5.6M-2.5%	$5.7M+12.4%	$5.1M+10.0%	$4.6M-31.3%	$6.7M
Capital Expenditures	$16.0M	$11.6M+403.9%	$2.3M-73.0%	$8.6M+98.2%	$4.3M-75.3%	$17.5M+42.9%	$12.3M+12.4%	$10.9M+108.3%	$5.2M+40.7%	$3.7M-75.6%	$15.2M+15.2%	$13.2M+32.7%	$10.0M-48.5%	$19.4M+6.1%	$18.3M+46.8%	$12.4M
Free Cash Flow	$137.6M	$141.8M+13.1%	$125.4M+48.7%	$84.3M-50.7%	$171.1M-9.0%	$187.9M+46.6%	$128.2M+10.0%	$116.6M-12.8%	$133.7M-9.7%	$148.1M+22.9%	$120.5M+20.5%	$100.0M+24.0%	$80.6M-27.3%	$110.8M+1.9%	$108.8M+2.4%	$106.3M
Investing Cash Flow	-$419.2M	-$127.4M-172.8%	$175.0M+173.0%	-$239.7M+73.9%	-$917.4M-293.8%	-$233.0M+58.4%	-$560.6M-86.5%	-$300.6M-6.6%	-$281.9M-171.0%	-$104.0M-109.0%	$1.2B+1395.5%	-$88.8M-30.6%	-$68.0M+10.7%	-$76.2M	N/A	N/A
Financing Cash Flow	$246.9M	-$80.8M+40.8%	-$136.5M-205.3%	$129.7M+132.6%	-$397.9M-169.7%	$570.5M-47.9%	$1.1B+563.2%	$165.2M+23.2%	$134.1M+137.3%	-$359.9M+66.2%	-$1.1B-989.0%	-$97.7M+43.8%	-$173.8M-52.6%	-$113.9M	N/A	N/A
Dividends Paid	$117.6M	$109.9M+7.9%	$101.9M+0.2%	$101.7M+0.2%	$101.5M+1.2%	$100.3M+7.7%	$93.1M+22.3%	$76.2M+8.9%	$69.9M+7.2%	$65.2M+8.4%	$60.2M+13.9%	$52.8M-64.8%	$149.9M+226.9%	$45.9M-19.3%	$56.9M+30.3%	$43.6M
Share Buybacks	N/A	N/A	N/A	$0	$0-100.0%	$23.9M+157.2%	$9.3M	$0	$0	$0-100.0%	$1.8M-77.7%	$7.8M+48.8%	$5.3M+18.3%	$4.5M-91.4%	$52.0M-69.9%	$172.7M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$31.7M+1461.7%	$73.9M-31.4%	$6.2M+108.0%	$41.9M-55.0%	-$2.3M-105.7%	$107.6M+52.2%	-$77.0M-270.4%	$93.3M+1956.0%
Depreciation & Amortization	-$2.5M-339.8%	-$1.3M-325.8%	$10.3M+244.7%	$48K-99.3%	$1.1M-83.2%	$596K-87.2%	-$7.1M-59.0%	$7.1M-7.0%
Stock-Based Compensation	N/A	$687K-59.1%	N/A	N/A	N/A	$1.7M+28.9%	N/A	N/A
Capital Expenditures	$5.6M+53.1%	$4.3M+136.4%	$2.5M+990.9%	$3.6M+4045.5%	$3.6M+4.2%	$1.8M-66.7%	$232K	$88K
Free Cash Flow	$26.1M+538.7%	$69.6M-34.3%	$3.7M+104.7%	$38.3M-58.9%	-$6.0M-116.0%	$105.8M+62.2%	-$77.2M	$93.2M
Investing Cash Flow	-$258.3M-187.0%	-$169.4M-268.9%	-$362.6M-577.7%	$371.2M+3154.6%	-$90.0M-138.9%	-$45.9M+68.0%	$75.9M+223.6%	$11.4M+304.8%
Financing Cash Flow	$188.4M+2930.7%	$148.6M+4620.0%	$311.2M+397.5%	-$401.4M-277.8%	$6.2M+103.8%	$3.1M-95.5%	$62.6M+366.5%	-$106.2M-336.3%
Dividends Paid	$29.5M+14.7%	$29.4M+15.3%	$29.3M+15.2%	$29.4M+15.3%	$25.7M+0.9%	$25.5M+0.3%	$25.5M+0.3%	$25.5M+0.2%

Not reported in any period shown, so not listed: Share Buybacks.

NWBI Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

NWBI quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	19.3%+0.1pp	19.2%-5.4pp	24.6%-0.6pp	25.1%-3.7pp	28.9%+14.6pp	14.3%-9.7pp	24.0%-0.5pp	24.5%+3.1pp	21.4%+8.8pp	12.7%-5.6pp	18.2%-1.2pp	19.4%-1.5pp	20.9%+1.2pp	19.7%0.0pp	19.7%
Return on Equity	6.7%+0.4pp	6.3%-2.4pp	8.7%-0.3pp	9.0%-0.8pp	9.8%+4.9pp	4.9%-3.3pp	8.2%-0.2pp	8.4%+0.6pp	7.8%+3.6pp	4.2%-1.0pp	5.2%-0.6pp	5.8%+0.1pp	5.8%+0.1pp	5.6%+0.1pp	5.6%
Return on Assets	0.8%0.0pp	0.7%-0.2pp	0.9%0.0pp	0.9%-0.1pp	1.1%+0.5pp	0.5%-0.5pp	1.1%0.0pp	1.1%+0.1pp	1.0%+0.5pp	0.5%-0.2pp	0.7%-0.1pp	0.8%0.0pp	0.8%0.0pp	0.8%0.0pp	0.8%
Debt-to-Equity	7.87-0.2x	8.02-0.3x	8.29-0.2x	8.46+0.3x	8.16+0.2x	7.97+1.2x	6.75+0.1x	6.64-0.1x	6.75-0.5x	7.22+0.5x	6.70+0.4x	6.32+0.5x	5.82-0.2x	6.05+0.1x	5.90
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	21.7%-2.3pp	24.0%+8.6pp	15.3%-16.8pp	32.2%-3.0pp	35.2%+10.7pp	24.5%-0.9pp	25.4%-5.7pp	31.1%-2.5pp	33.6%+2.9pp	30.7%+0.6pp	30.1%+4.9pp	25.2%-9.6pp	34.8%+1.0pp	33.9%+1.2pp	32.7%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	29.6%+7.2pp	28.9%+1.0pp	25.4%+4.2pp	1.9%-22.3pp	22.4%+17.5pp	27.8%+5.6pp	21.2%-0.2pp	24.2%-4.0pp
Return on Equity	2.8%+0.7pp	2.6%0.0pp	2.4%+0.4pp	0.2%-1.9pp	2.1%+1.8pp	2.7%+0.8pp	2.1%+0.2pp	2.1%-0.5pp
Return on Assets	0.3%+0.1pp	0.3%0.0pp	0.3%0.0pp	0.0%-0.2pp	0.2%+0.2pp	0.3%+0.1pp	0.2%0.0pp	0.2%0.0pp
Debt-to-Equity	7.93+0.1x	7.880.0x	7.87-0.2x	7.83-0.2x	7.82-0.4x	7.87-0.5x	8.02-0.3x	8.02-0.6x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	14.4%+18.4pp	39.7%-28.0pp	2.0%+52.1pp	22.8%-44.2pp	-4.0%-41.9pp	67.7%+18.0pp	-50.0%	67.0%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Northwest Bancshares, Inc NWBI	FY2025	$654.7M	$126.0M	19.3%	$2.2B	48/100
First Commonwealth Financial Corporation FCF	FY2025	$522.9M	$152.3M	29.1%	$2.0B	63/100
City Holding Co CHCO	FY2025	$314.2M	$130.5M	41.5%	$2.0B	59/100
Veritex Holdings, Inc. VBTX	FY2024	$425.6M	$107.2M	25.2%	$1.7B	48/100
OFG BANCORP OFG	FY2025	$731.4M	$205.1M	28.0%	$2.1B	56/100
Bladex, Inc. BLX	FY2025	$12.2M	$226.9M	N/A	$2.1B	27/100

Where Northwest Bancshares, Inc Ranks

Frequently Asked Questions

What is Northwest Bancshares, Inc's annual revenue?

Northwest Bancshares, Inc (NWBI) reported $654.7M in total revenue for fiscal year 2025. This represents a 25.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Northwest Bancshares, Inc's revenue growing?

Northwest Bancshares, Inc (NWBI) revenue grew by 25.3% year-over-year, from $522.6M to $654.7M in fiscal year 2025.

Is Northwest Bancshares, Inc profitable?

Yes, Northwest Bancshares, Inc (NWBI) reported a net income of $126.0M in fiscal year 2025, with a net profit margin of 19.3%.

What is Northwest Bancshares, Inc's net profit margin?

Northwest Bancshares, Inc (NWBI) had a net profit margin of 19.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Northwest Bancshares, Inc pay dividends?

Yes, Northwest Bancshares, Inc (NWBI) paid $0.80 per share in dividends during fiscal year 2025.

What is Northwest Bancshares, Inc's return on equity (ROE)?

Northwest Bancshares, Inc (NWBI) has a return on equity of 6.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Northwest Bancshares, Inc's free cash flow?

Northwest Bancshares, Inc (NWBI) generated $141.8M in free cash flow during fiscal year 2025. This represents a 13.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Northwest Bancshares, Inc's operating cash flow?

Northwest Bancshares, Inc (NWBI) generated $153.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Northwest Bancshares, Inc's total assets?

Northwest Bancshares, Inc (NWBI) had $16.8B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Northwest Bancshares, Inc's capital expenditures?

Northwest Bancshares, Inc (NWBI) invested $11.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Northwest Bancshares, Inc have outstanding?

Northwest Bancshares, Inc (NWBI) had 146M shares outstanding as of fiscal year 2025.

What is Northwest Bancshares, Inc's debt-to-equity ratio?

Northwest Bancshares, Inc (NWBI) had a debt-to-equity ratio of 7.87 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Northwest Bancshares, Inc's return on assets (ROA)?

Northwest Bancshares, Inc (NWBI) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Northwest Bancshares, Inc's P/E ratio?

Northwest Bancshares, Inc (NWBI) trades at 14.5x earnings, its market capitalization divided by net income of $153.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $2.2B as of Oct 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Northwest Bancshares, Inc's price-to-sales ratio?

Northwest Bancshares, Inc (NWBI) trades at 3.2x sales, its market capitalization divided by revenue of $704.3M revenue, trailing 12 months to June 30, 2026. The market capitalization is $2.2B as of Oct 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Northwest Bancshares, Inc's Piotroski F-Score?

Northwest Bancshares, Inc (NWBI) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Northwest Bancshares, Inc's earnings high quality?

Northwest Bancshares, Inc (NWBI) has an earnings quality ratio of 1.22x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Northwest Bancshares, Inc?

Northwest Bancshares, Inc (NWBI) scores 48 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.