Upturn unsubscribed user
$1.14/ day, billed weekly
Cancel anytime
(Ad-Free, Unlimited access)​
NO CREDIT CARD REQUIRED
NWBI logo NWBI
Upturn stock ratingUpturn stock rating
NWBI logo

Northwest Bancshares Inc (NWBI)

Upturn stock ratingUpturn stock rating
$12.43
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

09/15/2025: NWBI (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$13.38 Target price
52w Low $10.4
Current$12.43
52w High $14.69

Analysis of Past Performance

Type Stock
Historic Profit -9.82%
Avg. Invested days 38
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 09/15/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 1.82B USD
Price to earnings Ratio 11.1
1Y Target Price 13.38
Price to earnings Ratio 11.1
1Y Target Price 13.38
Volume (30-day avg) 6
Beta 0.7
52 Weeks Range 10.40 - 14.69
Updated Date 09/15/2025
52 Weeks Range 10.40 - 14.69
Updated Date 09/15/2025
Dividends yield (FY) 6.39%
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 11.1
Forward PE 13.4
Enterprise Value 1993218432
Price to Sales(TTM) 3.23
Enterprise Value 1993218432
Price to Sales(TTM) 3.23
Enterprise Value to Revenue 3.81
Enterprise Value to EBITDA -
Shares Outstanding 146212000
Shares Floating 144654546
Shares Outstanding 146212000
Shares Floating 144654546
Percent Insiders 0.94
Percent Institutions 64.17

ai summary icon Upturn AI SWOT

Northwest Bancshares Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 1998

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.