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Upturn AI Summary - About
Northwest Bancshares Inc(NWBI)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for NWBI
10/23/2026: NWBI (4-star) is currently NOT-A-BUY. Pass it for now.
Northwest Bancshares is a traditional regional bank that serves customers primarily in the Mid-Atlantic and Northeast United States. The company benefits from a long-standing reputation and a stable, community-focused business model that appeals to income-oriented investors seeking reliable dividends. Its primary growth opportunity lies in upgrading its digital platforms to better compete with modern financial institutions and expanding its fee-based wealth management services. However, the company faces persistent risks from interest rate sensitivity, regional economic dependence, and intensifying competition for deposits. It is best suited for conservative, long-term investors focused on income, and should be monitored for progress in operational efficiency and digital transformation.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company is a mature regional bank with limited high-growth prospects. |
| Momentum investor | Weak fit | The stock typically exhibits low beta and steady, slow movement rather than high-momentum growth. |
| Value investor | Mixed fit | Valuation is often consistent with regional banking peers, offering stable but not bargain-level returns. |
| Dividend investor | Strong fit | The company maintains a reliable dividend policy suitable for income-focused portfolios. |
| Low-risk investor | Strong fit | Its conservative business model and focus on traditional banking make it a relatively stable holding. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock is susceptible to broader sector-wide volatility related to interest rate sentiment. |
| Valuation risk | Medium | Investors must monitor if earnings multiples drift too far from historical banking sector norms. |
| Competition risk (Digital banking) | Medium / high | Difficulty in competing with low-cost digital deposit gathering poses a long-term threat. |
| Business quality | Medium | The company has a solid, traditional franchise but lacks significant competitive moats. |
| Dividend income | Low | The dividend is generally well-covered, though vulnerable to severe economic downturns. |
| Execution risk | Medium | The ability to integrate acquisitions and maintain efficiency ratios remains a key internal operational test. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Very Smooth
The stock has followed a highly orderly price path with minimal short-term disruption.
Analysis of Past Performance
Type Stock | Historic Profit 25.87% | Avg. Invested days 58 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.27B USD | Price to earnings Ratio 14.88 | 1Y Target Price 16.29 |
Price to earnings Ratio 14.88 | 1Y Target Price 16.29 | ||
Volume (30-day avg) 1.1M shares | Beta 0.69 | 52 Weeks Range 10.79 - 15.96 | Updated Date 10/25/2026 |
52 Weeks Range 10.79 - 15.96 | Updated Date 10/25/2026 | ||
Dividends yield (FY) 5.18% | Basic EPS (TTM) 1.04 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | The primary way they make money is by charging more for loans than they pay for customer deposits. |
| Fee-Based Services | Service charges on deposit accounts, trust income, and insurance commissions. | They generate steady side income through banking fees and wealth management services. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-26 | When After Market | Estimate 0.35 | Actual - |
Profitability
Profit Margin 23.37% | Operating Margin (TTM) 41.57% |
Management Effectiveness
Return on Assets (TTM) 0.96% | Return on Equity (TTM) 8.57% |
Valuation
Trailing PE 14.88 | Forward PE 13.4 | Enterprise Value 2.87B | Price to Sales(TTM) 3.46 |
Enterprise Value 2.87B | Price to Sales(TTM) 3.46 | ||
Enterprise Value to Revenue 4.4 | Enterprise Value to EBITDA - | Shares Outstanding 146.46M | Shares Floating 144.64M |
Shares Outstanding 146.46M | Shares Floating 144.64M | ||
Percent Insiders 1 | Percent Institutions 72.6 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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