NORTHWEST BANCSHARES INC(NASDAQ:NWBI) stock Fundamental Analysis

Fundamental Rating

Overall NWBI gets a fundamental rating of 4 out of 10. We evaluated NWBI against 405 industry peers in the Banks industry. Both the profitability and financial health of NWBI have multiple concerns. NWBI has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally NWBI also has an excellent dividend rating.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year NWBI was profitable.

NWBI had a positive operating cash flow in the past year.

NWBI had positive earnings in 4 of the past 5 years.

Of the past 5 years NWBI 4 years had a positive operating cash flow.

1.2 Ratios

NWBI has a better Return On Assets (0.87%) than 60.05% of its industry peers.

Looking at the Return On Equity, with a value of 7.89%, NWBI is in line with its industry, outperforming 48.99% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.87%
ROE	7.89%
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's Profit Margin of 19.76% is on the low side compared to the rest of the industry. NWBI is outperformed by 62.06% of its industry peers.

NWBI's Profit Margin has been stable in the last couple of years.

NWBI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	19.76%
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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

NWBI does not have a ROIC to compare to the WACC, probably because it is not profitable.

NWBI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

NWBI has a debt to FCF ratio of 1.01. This is a very positive value and a sign of high solvency as it would only need 1.01 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 1.01, NWBI is in the better half of the industry, outperforming 77.14% of the companies in the same industry.

NWBI has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.

With a decent Debt to Equity ratio value of 0.15, NWBI is doing good in the industry, outperforming 61.81% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	1.01
Altman-Z	N/A

ROIC/WACCN/A

WACC10.84%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The earnings per share for NWBI have decreased by -1.89% in the last year.

EPS 1Y (TTM)-1.89%

EPS 3Y-0.63%

EPS 5Y0%

EPS Q2Q%17.39%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%45.11%

3.2 Future

The Earnings Per Share is expected to grow by 4.99% on average over the next years.

NWBI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.53% yearly.

EPS Next Y0.86%

EPS Next 2Y4.99%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year15.12%

Revenue Next 2Y16.53%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.68, NWBI is valued correctly.

NWBI's Price/Earnings is on the same level as the industry average.

NWBI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.58.

NWBI is valuated correctly with a Price/Forward Earnings ratio of 12.58.

NWBI's Price/Forward Earnings is on the same level as the industry average.

When comparing the Price/Forward Earnings ratio of NWBI to the average of the S&P500 Index (24.47), we can say NWBI is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	12.68
Fwd PE	12.58

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of NWBI indicates a rather cheap valuation: NWBI is cheaper than 86.18% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	6.98
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates NWBI does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)14.83

PEG (5Y)N/A

EPS Next 2Y4.99%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

NWBI has a Yearly Dividend Yield of 6.07%, which is a nice return.

Compared to an average industry Dividend Yield of 3.19, NWBI pays a better dividend. On top of this NWBI pays more dividend than 95.98% of the companies listed in the same industry.

NWBI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.27.

		Industry Rank	Sector Rank
Dividend Yield	6.07%

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 Years11

5.3 Sustainability

81.14% of the earnings are spent on dividend by NWBI. This is not a sustainable payout ratio.

NWBI's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP81.14%

EPS Next 2Y4.99%

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

NORTHWEST BANCSHARES INC

NASDAQ:NWBI (1/24/2025, 8:00:02 PM)

After market: 13.19 0 (0%)

13.19

+0.01 (+0.08%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-24 2025-01-24/bmo

Earnings (Next)N/A N/A

Inst Owners67.81%

Inst Owner Change0%

Ins Owners1.06%

Ins Owner Change4.3%

Market Cap1.68B

Analysts48

Price Target14.79 (12.13%)

Short Float %2.12%

Short Ratio4

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.07%

Yearly Dividend0.8

Dividend Growth(5Y)3.25%

DP81.14%

Div Incr Years0

Div Non Decr Years11

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)9.04%

Min EPS beat(2)-1.33%

Max EPS beat(2)19.41%

EPS beat(4)2

Avg EPS beat(4)3.77%

Min EPS beat(4)-6.05%

Max EPS beat(4)19.41%

EPS beat(8)3

Avg EPS beat(8)2.34%

EPS beat(12)6

Avg EPS beat(12)4.19%

EPS beat(16)9

Avg EPS beat(16)5.45%

Revenue beat(2)1

Avg Revenue beat(2)-0.13%

Min Revenue beat(2)-0.55%

Max Revenue beat(2)0.29%

Revenue beat(4)1

Avg Revenue beat(4)-2.43%

Min Revenue beat(4)-7.65%

Max Revenue beat(4)0.29%

Revenue beat(8)3

Avg Revenue beat(8)2.42%

Revenue beat(12)7

Avg Revenue beat(12)9.91%

Revenue beat(16)11

Avg Revenue beat(16)15.43%

PT rev (1m)4.32%

PT rev (3m)10.69%

EPS NQ rev (1m)0%

EPS NQ rev (3m)9.35%

EPS NY rev (1m)0%

EPS NY rev (3m)0.82%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-1.25%

Revenue NY rev (1m)0.25%

Revenue NY rev (3m)0.81%

Valuation

		Industry Rank	Sector Rank
PE	12.68
Fwd PE	12.58
P/S	2.65
P/FCF	6.98
P/OCF	6.73
P/B	1.06
P/tB	1.39
EV/EBITDA	N/A

EPS(TTM)1.04

EY7.88%

EPS(NY)1.05

Fwd EY7.95%

FCF(TTM)1.89

FCFY14.33%

OCF(TTM)1.96

OCFY14.87%

SpS4.98

BVpS12.49

TBVpS9.47

PEG (NY)14.83

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.87%
ROE	7.89%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	19.76%
GM	N/A
FCFM	37.92%

ROA(3y)0.98%

ROA(5y)0.91%

ROE(3y)9.12%

ROE(5y)8.07%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/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

F-Score6

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	1.01
Debt/EBITDA	N/A
Cap/Depr	34.62%
Cap/Sales	1.42%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	191.86%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC10.84%

ROIC/WACCN/A

Cap/Depr(3y)122.43%

Cap/Depr(5y)183.17%

Cap/Sales(3y)1.88%

Cap/Sales(5y)2.07%

Profit Quality(3y)104.34%

Profit Quality(5y)117.94%

High Growth Momentum

Growth

EPS 1Y (TTM)-1.89%

EPS 3Y-0.63%

EPS 5Y0%

EPS Q2Q%17.39%

EPS Next Y0.86%

EPS Next 2Y4.99%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%45.11%

Revenue Next Year15.12%

Revenue Next 2Y16.53%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y47.09%

FCF growth 3Y-13.01%

FCF growth 5Y-8.81%

OCF growth 1Y40.28%

OCF growth 3Y-12.86%

OCF growth 5Y-7.73%

NORTHWEST BANCSHARES INC (NWBI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens