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Upturn AI SWOT - About
NWBI 
Northwest Bancshares Inc (NWBI)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
09/16/2025: NWBI (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $13.38
1 Year Target Price $13.38
| 0 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -9.82% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.80B USD | Price to earnings Ratio 10.99 | 1Y Target Price 13.38 |
Price to earnings Ratio 10.99 | 1Y Target Price 13.38 | ||
Volume (30-day avg) 6 | Beta 0.7 | 52 Weeks Range 10.40 - 14.69 | Updated Date 09/16/2025 |
52 Weeks Range 10.40 - 14.69 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 6.44% | Basic EPS (TTM) 1.12 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.54% | Operating Margin (TTM) 37.47% |
Management Effectiveness
Return on Assets (TTM) 0.99% | Return on Equity (TTM) 8.97% |
Valuation
Trailing PE 10.99 | Forward PE 13.4 | Enterprise Value 1993218432 | Price to Sales(TTM) 3.2 |
Enterprise Value 1993218432 | Price to Sales(TTM) 3.2 | ||
Enterprise Value to Revenue 3.78 | Enterprise Value to EBITDA - | Shares Outstanding 146212000 | Shares Floating 144654546 |
Shares Outstanding 146212000 | Shares Floating 144654546 | ||
Percent Insiders 0.94 | Percent Institutions 64.17 |
Upturn AI SWOT
Northwest Bancshares Inc
Company Overview
History and Background
Northwest Bancshares, Inc. was founded in 1896 as Northwest Savings and Loan Association. It has grown through organic expansion and acquisitions to become a full-service financial institution serving communities in Pennsylvania, New York, Ohio, and Indiana. Originally a savings and loan, it converted to a bank and then a holding company, adapting to changing financial landscapes.
Core Business Areas
- Community Banking: Offers a range of traditional banking products and services to individuals, small businesses, and commercial customers, including deposit accounts, loans, and wealth management services.
- Mortgage Banking: Provides residential mortgage lending services, including origination, sales, and servicing of mortgage loans.
- Wealth Management: Offers financial planning, investment management, and trust services to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives overseeing different divisions. The organizational structure is hierarchical, with regional presidents and branch managers reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial lending to businesses within Northwest's geographic footprint, securing revenue through interest payments. Market share information is regionally specific. Competitors include larger national and regional banks as well as credit unions.
- Residential Mortgages: Mortgage loan products for home purchase and refinancing. The mortgage market is highly competitive. Competitors include mortgage brokers, credit unions, and national banks.
- Deposit Accounts: Checking, savings, and money market accounts for consumers and businesses. Securing revenue through managing deposits and payments. Competitors include other banks, credit unions, and online banking platforms.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive. Banks face pressure from fintech companies and increasing interest rate sensitivity. Consolidation within the industry is an ongoing trend.
Positioning
Northwest Bancshares positions itself as a community-focused bank offering personalized service. Its competitive advantages lie in its strong regional presence and established customer relationships.
Total Addressable Market (TAM)
The TAM for banking services across Northwest's operating region is estimated at several billion dollars. Northwest Bancshares captures a percentage of this through its regional presence.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Established customer relationships
- Diversified product offerings
- Conservative lending practices
- Efficient operations
Weaknesses
- Limited geographic reach compared to national banks
- Sensitivity to interest rate fluctuations
- Dependence on traditional banking services
- Lower brand recognition compared to larger banks
- Increasing competition from fintech companies
Opportunities
- Expansion into new markets
- Adoption of digital banking technologies
- Strategic acquisitions
- Growth in wealth management services
- Increasing demand for small business loans
Threats
- Economic downturn
- Rising interest rates
- Increased regulatory scrutiny
- Cybersecurity threats
- Competition from online lenders
Competitors and Market Share
Key Competitors
- KEY
- CMA
- FHB
Competitive Landscape
Northwest Bancshares competes with larger national banks, regional banks, and credit unions. Its advantages lie in its community focus and local market knowledge. Disadvantages are lower brand recognition and limited resources compared to larger institutions.
Major Acquisitions
Lorain National Bank
- Year: 2015
- Acquisition Price (USD millions): 49.3
- Strategic Rationale: Expand Northwest's presence in Ohio.
Growth Trajectory and Initiatives
Historical Growth: Northwest Bancshares' growth has been driven by both organic expansion and acquisitions. Past performance is not indicative of future results.
Future Projections: Analyst estimates for future growth vary. Projections are dependent on economic conditions, interest rates, and the competitive landscape.
Recent Initiatives: Recent strategic initiatives include investments in digital banking technology and expansion into new markets.
Summary
Northwest Bancshares is a solid regional bank with a strong community focus and established customer base. However, it faces increasing competition from larger banks and fintech companies. Its future success depends on its ability to adapt to changing market conditions and invest in digital technologies. Maintaining a conservative lending approach and focusing on efficient operations are also key to its continued success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Analyst reports
- Industry publications
- Company Website
- SEC Filings
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and based on available information. Investment decisions should be based on thorough research and consultation with a financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Northwest Bancshares Inc
Exchange NASDAQ | Headquaters Columbus, OH, United States | ||
IPO Launch date 1994-11-08 | President, CEO & Director Mr. Louis J. Torchio | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1998 | Website https://www.northwest.bank |
Full time employees 1998 | Website https://www.northwest.bank | ||
Northwest Bancshares, Inc. operates as the bank holding company for Northwest Bank, a state-chartered savings bank that provides personal and business banking solutions in the United States. The company accepts various deposits, including checking, savings, money market deposit, term certificate, and individual retirement accounts. It also offers loan products comprising one-to-four-family residential real estate loans, shorter term consumer loans, and loans collateralized by multi-family residential and commercial real estate, as well as commercial business loans; home equity loans and lines of credit; commercial real estate loans; commercial loans; and other consumer loans, including automobile loans, sales finance loans, unsecured personal loans, credit card loans, and loans secured by investment accounts, as well as investment management and trust services. Northwest Bancshares, Inc. was founded in 1896 and is headquartered in Columbus, Ohio.
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