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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
10/23/2025: 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 $13.9
1 Year Target Price $13.9
| 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 10/23/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.80B USD | Price to earnings Ratio 10.96 | 1Y Target Price 13.9 |
Price to earnings Ratio 10.96 | 1Y Target Price 13.9 | ||
Volume (30-day avg) 6 | Beta 0.66 | 52 Weeks Range 10.40 - 14.69 | Updated Date 10/23/2025 |
52 Weeks Range 10.40 - 14.69 | Updated Date 10/23/2025 | ||
Dividends yield (FY) 6.48% | Basic EPS (TTM) 1.12 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-27 | When After Market | Estimate 0.31 | 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 10.96 | Forward PE 13.4 | Enterprise Value 1981521536 | Price to Sales(TTM) 3.2 |
Enterprise Value 1981521536 | Price to Sales(TTM) 3.2 | ||
Enterprise Value to Revenue 3.76 | Enterprise Value to EBITDA - | Shares Outstanding 146211701 | Shares Floating 144654546 |
Shares Outstanding 146211701 | Shares Floating 144654546 | ||
Percent Insiders 0.94 | Percent Institutions 64.32 |
Upturn AI SWOT
Northwest Bancshares Inc
Company Overview
History and Background
Northwest Bancshares, Inc. was founded in 1896 as Northwest Savings Bank. It has grown through organic expansion and acquisitions, evolving into a full-service financial institution.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products and services to businesses of various sizes.
- Retail Banking: Provides deposit accounts, mortgages, consumer loans, and other retail banking services to individuals and families.
- Wealth Management: Offers wealth management and trust services to individuals and institutions.
Leadership and Structure
The leadership team includes the Chief Executive Officer, Chief Financial Officer, and other key executives. The organizational structure involves a board of directors overseeing various departments and divisions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide capital to businesses for expansion, operations, and other needs. Market share data is not readily available publicly. Competitors include regional and national banks like PNC and KeyCorp.
- Mortgages: Offer home financing solutions to individuals. Market share data is not readily available publicly. Competitors include Quicken Loans and other national mortgage lenders.
- Deposit Accounts: Provide checking, savings, and other deposit products to individuals and businesses. Market share data is not readily available publicly. Competitors include other regional and national banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory changes, and technological advancements. Competition is intense.
Positioning
Northwest Bancshares Inc. is a regional bank focused on community banking and wealth management, competing with both larger national banks and smaller community banks.
Total Addressable Market (TAM)
The TAM for banking services in the regions Northwest Bancshares operates is estimated at billions of dollars. They capture a smaller portion through their geographical footprint.
Upturn SWOT Analysis
Strengths
- Strong community presence
- Established customer relationships
- Diversified product offerings
- Solid capital base
Weaknesses
- Limited geographic reach
- Reliance on traditional banking models
- Lower brand recognition compared to larger banks
Opportunities
- Expansion into new markets
- Adoption of digital banking technologies
- Acquisition of smaller banks
- Increasing wealth management services
Threats
- Increasing competition from larger banks
- Economic downturns
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- KEY
- FULT
- CMA
Competitive Landscape
Northwest Bancshares Inc. competes with larger national banks and smaller community banks. Its competitive advantage lies in its strong community presence and customer relationships.
Growth Trajectory and Initiatives
Historical Growth: Northwest Bancshares Inc. has experienced moderate growth through organic expansion and acquisitions.
Future Projections: Future growth is projected to be steady, driven by expansion into new markets and increasing adoption of digital banking technologies.
Recent Initiatives: Recent initiatives include investing in digital banking platforms and expanding wealth management services.
Summary
Northwest Bancshares Inc. is a stable regional bank with a strong community presence and a diversified product offering. It faces competition from larger banks and needs to adapt to technological advancements. Strategic initiatives focused on digital banking and wealth management can drive future growth. Economic conditions and regulatory changes also pose potential risks.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Articles
- Third-party financial data providers
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is approximate. Financial data is not real time.
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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