NORTHWEST BANCSHARES INC (NWBI)
US6673401039 - Common Stock
We assign a fundamental rating of 3 out of 10 to NWBI. NWBI was compared to 404 industry peers in the Banks industry. Both the profitability and financial health of NWBI have multiple concerns. NWBI is valued expensive and it does not seem to be growing. NWBI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
NWBI had positive earnings in the past year.
In the past year NWBI had a positive cash flow from operations.
Each year in the past 5 years NWBI has been profitable.
Each year in the past 5 years NWBI had a positive operating cash flow.
1.2 Ratios
NWBI has a Return On Assets (0.71%) which is in line with its industry peers.
With a Return On Equity value of 6.55%, NWBI is not doing good in the industry: 62.59% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 6.55% | ||
| ROIC | N/A |
ROA(3y)0.98%
ROA(5y)0.91%
ROE(3y)9.12%
ROE(5y)8.07%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
NWBI has a Profit Margin of 20.22%. This is comparable to the rest of the industry: NWBI outperforms 40.40% of its industry peers.
NWBI's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for NWBI so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 20.22% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y19.67%
PM growth 5Y-0.02%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
NWBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for NWBI remains at a similar level compared to 1 year ago.
The number of shares outstanding for NWBI has been increased compared to 5 years ago.
The debt/assets ratio for NWBI has been reduced compared to a year ago.
2.2 Solvency
NWBI has a debt to FCF ratio of 1.72. This is a very positive value and a sign of high solvency as it would only need 1.72 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.72, NWBI is in the better half of the industry, outperforming 62.84% of the companies in the same industry.
NWBI has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of NWBI (0.16) is better than 62.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 1.72 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.4%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
NWBI shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.09%.
NWBI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.77% yearly.
Looking at the last year, NWBI shows a small growth in Revenue. The Revenue has grown by 3.39% in the last year.
The Revenue has been growing slightly by 5.01% on average over the past years.
EPS 1Y (TTM)-9.09%
EPS 3Y5.61%
EPS 5Y0.77%
EPS Q2Q%-16.13%
Revenue 1Y (TTM)3.39%
Revenue growth 3Y1.6%
Revenue growth 5Y5.01%
Sales Q2Q%2.71%
3.2 Future
Based on estimates for the next years, NWBI will show a small growth in Earnings Per Share. The EPS will grow by 2.71% on average per year.
NWBI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.90% yearly.
EPS Next Y-1.53%
EPS Next 2Y-0.69%
EPS Next 3Y2.71%
EPS Next 5YN/A
Revenue Next Year-1.24%
Revenue Next 2Y2.05%
Revenue Next 3Y3.9%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 14.88, NWBI is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of NWBI is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 29.20, NWBI is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 14.23, the valuation of NWBI can be described as correct.
60.10% of the companies in the same industry are cheaper than NWBI, based on the Price/Forward Earnings ratio.
NWBI is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.88 | ||
| Fwd PE | 14.23 |
4.2 Price Multiples
NWBI's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.33 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)19.27
EPS Next 2Y-0.69%
EPS Next 3Y2.71%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.47%, NWBI is a good candidate for dividend investing.
NWBI's Dividend Yield is rather good when compared to the industry average which is at 3.07. NWBI pays more dividend than 95.01% of the companies in the same industry.
NWBI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.21.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.47% |
5.2 History
The dividend of NWBI has a limited annual growth rate of 3.25%.
NWBI has paid a dividend for at least 10 years, which is a reliable track record.
NWBI has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.25%
Div Incr Years0
Div Non Decr Years10
5.3 Sustainability
99.86% of the earnings are spent on dividend by NWBI. This is not a sustainable payout ratio.
The dividend of NWBI is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP99.86%
EPS Next 2Y-0.69%
EPS Next 3Y2.71%
NORTHWEST BANCSHARES INC
NASDAQ:NWBI (11/12/2024, 4:30:02 PM)
After market: 14.88 0 (0%)14.88
-0.08 (-0.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.90B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.47% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.88 | ||
| Fwd PE | 14.23 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)19.27
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 6.55% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 20.22% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-9.09%
EPS 3Y5.61%
EPS 5Y
EPS Q2Q%
EPS Next Y-1.53%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)3.39%
Revenue growth 3Y1.6%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y