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Friday 6 November 2026
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Northwest Bancshares, Inc.
NWBI Financial Banks Regional
Northwest Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $878.9 million, up 16.2% from fiscal 2024.
- Revenue
- +8.47%
- EPS
- +1,650.0%
- Free cash flow
- +538.7%
- Total debt
- +49.6%
Quarter to September 2026, against a year earlier
15.35
0.49
−3.09%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
37.14 | 17.72 | 16.29 | 15.84 | 20.89 | 11.61 | 13.40 | 11.77 | 16.70 | 12.90 |
Piotroski F-Score |
5 | 7 | 5 | 5 | 5 | 6 | 5 | 5 | 5 | 6 |
P/S ratio |
4.20 | 3.59 | 3.70 | 3.38 | 2.71 | 3.18 | 3.14 | 2.27 | 2.22 | 1.85 |
P/FCF ratio |
15.02 | 11.36 | 12.94 | 14.96 | 11.95 | 9.52 | 10.28 | 18.91 | 13.37 | 11.47 |
P/Operating CF |
33.87 | 46.33 | 53.17 | 104.17 | (114.54) | 26.31 | 26.91 | 35.31 | (21.78) | 262.85 |
P/B ratio |
1.55 | 1.39 | 1.37 | 1.29 | 1.00 | 1.13 | 1.18 | 1.03 | 1.05 | 0.86 |
Price to Tangible BV |
2.18 | 1.92 | 1.86 | 1.77 | 1.35 | 1.50 | 1.60 | 1.37 | 1.38 | 1.16 |
EV/Sales |
3.88 | 3.89 | 4.29 | 3.97 | 2.13 | 1.60 | 4.55 | 3.01 | 2.42 | 2.37 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
12.34 | 12.02 | 14.44 | 16.09 | 8.60 | 4.38 | 14.50 | 22.77 | 14.35 | 13.58 |
EV/FCF |
13.89 | 12.32 | 15.01 | 17.60 | 9.42 | 4.79 | 14.87 | 25.08 | 14.62 | 14.69 |
Quick Ratio |
0.05 | 0.01 | 0.01 | 0.01 | 0.06 | 0.10 | 0.01 | 0.01 | 0.02 | 0.02 |
Current Ratio |
1.00 | 1.00 | 1.02 | 1.03 | 0.97 | 0.91 | 0.96 | 0.96 | 0.94 | 0.94 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
2.64% | 2.34% | 3.60% | 3.51% | 2.98% | 2.70% | 6.55% | 4.46% | 3.09% | 4.12% |
Debt/Equity |
0.22 | 0.18 | 0.27 | 0.27 | 0.27 | 0.25 | 0.62 | 0.41 | 0.28 | 0.37 |
Asset Turnover |
0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.06 |
Operating CF/Net income |
2.73 | 1.61 | 1.32 | 1.15 | 1.88 | 1.34 | 1.32 | 0.69 | 1.27 | 1.22 |
Capex/Depreciation |
(0.87) | (0.23) | (0.52) | (2.30) | (1.44) | (1.22) | (0.38) | (0.31) | (0.10) | 31.01 |
| 4.26% | 7.94% | 8.56% | 8.46% | 5.18% | 9.82% | 8.66% | 8.85% | 6.36% | 7.22% | |
| 0.53% | 1.00% | 1.11% | 1.10% | 0.62% | 1.08% | 0.93% | 0.94% | 0.69% | 0.81% | |
ROIC |
5.04% | 6.50% | 5.50% | 5.47% | 5.83% | 18.37% | 4.77% | 5.28% | 4.62% | 4.33% |
Return on Tangible Assets |
26.67% | 58.25% | 31.21% | 28.20% | (33.79%) | (16.53%) | (38.62%) | (34.03%) | (18.11%) | (19.68%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
70.75% | 62.68% | 61.94% | 59.61% | 71.30% | 57.72% | 63.18% | 52.89% | 51.65% | 55.37% |
Intangible Assets out of Total Assets |
0.04 | 0.04 | 0.03 | 0.04 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 |
Share Based Compensation of Revenue |
2.53% | 1.04% | 1.50% | 1.32% | 0.75% | 0.84% | 0.73% | 0.65% | 0.80% | 0.70% |
Graham Net Nets |
(0.30) | (0.19) | (0.15) | (0.17) | (0.68) | (0.95) | (0.93) | (0.88) | (0.80) | (1.05) |
Graham Number |
11.39 | 15.90 | 16.98 | 17.46 | 13.25 | 18.56 | 16.63 | 17.17 | 14.94 | 17.09 |
Earnings Yield |
2.69% | 5.64% | 6.14% | 6.31% | 4.79% | 8.62% | 7.46% | 8.50% | 5.99% | 7.75% |
Free Cash Flow Yield |
6.66% | 8.80% | 7.73% | 6.68% | 8.37% | 10.50% | 9.73% | 5.29% | 7.48% | 8.72% |
Revenue per Share |
4.33 | 4.65 | 4.58 | 4.93 | 4.71 | 4.45 | 4.44 | 5.54 | 5.95 | 6.49 |
Operating CF per Share |
1.36 | 1.50 | 1.36 | 1.22 | 1.17 | 1.63 | 1.39 | 0.73 | 1.00 | 1.13 |
Capex per Share |
(0.15) | (0.04) | (0.05) | (0.10) | (0.10) | (0.14) | (0.03) | (0.07) | (0.02) | (0.09) |
Free Cash Flow per Share |
1.21 | 1.47 | 1.31 | 1.11 | 1.07 | 1.49 | 1.36 | 0.67 | 0.99 | 1.05 |
Cash per Share |
3.92 | 0.77 | 0.67 | 0.58 | 6.12 | 10.14 | 1.10 | 0.97 | 2.27 | 1.72 |
Shareholders Equity per Share |
11.77 | 11.96 | 12.32 | 12.90 | 12.80 | 12.55 | 11.82 | 12.25 | 12.57 | 13.95 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
11.77 | 11.96 | 12.32 | 12.90 | 12.80 | 12.55 | 11.82 | 12.25 | 12.57 | 13.95 |
Free Cash Flow |
120.49 | 148.08 | 133.68 | 116.56 | 128.18 | 187.94 | 171.11 | 84.33 | 125.36 | 141.79 |
Working Capital |
25.02 | 10.23 | 194.58 | 244.19 | (383.04) | (1,083.96) | (490.47) | (534.39) | (677.23) | (780.38) |
Capital Expenditures |
(15.23) | (3.72) | (5.23) | (10.90) | (12.25) | (17.52) | (4.32) | (8.56) | (2.31) | (11.63) |
Net Current Asset Value |
(545.00) | (318.53) | (260.63) | (303.29) | (1,049.32) | (1,698.93) | (1,644.53) | (1,408.61) | (1,337.11) | (1,706.71) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.04 | 0.01 | 0.01 | 0.02 | 0.02 | 0.03 | 0.01 | 0.01 | 0.00 | 0.01 |
Price to Operating Income |
21.67 | 11.99 | 12.82 | 12.01 | 13.52 | 8.73 | 10.13 | 9.13 | 12.94 | 9.99 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.11 | 0.11 | 0.07 | 0.03 | 0.05 | 0.09 | 0.08 | 0.20 | 0.18 | 0.00 |
Cash ROIC |
6.64% | 9.84% | 7.99% | 6.54% | 4.77% | 5.77% | 6.70% | 3.64% | 5.38% | 5.04% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.01 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
75,120.69 | 101,772.33 | 77,581.46 | 55,102.13 | 99,993.36 | 164,792.15 | 148,826.72 | 28,722.36 | 18,974.40 | 22,692.71 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
7,247.45 | 7,854.66 | 7,860.58 | 8,243.09 | 10,095.62 | 11,950.20 | 11,882.86 | 11,722.23 | 12,062.23 | 13,043.79 |
Average Assets |
9,287.77 | 9,493.79 | 9,485.85 | 10,050.84 | 12,150.09 | 14,153.89 | 14,307.42 | 14,266.22 | 14,413.67 | 15,587.42 |
Average Common Equity |
1,166.91 | 1,189.19 | 1,232.68 | 1,305.46 | 1,445.99 | 1,561.14 | 1,537.53 | 1,521.40 | 1,574.09 | 1,743.64 |
Columns are period end dates · fundamentals updated 2 Nov 2026