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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
10/09/2026: NWBI (4-star) is currently NOT-A-BUY. Pass it for now.
Northwest Bancshares Inc is a regional bank holding company offering retail and commercial banking services primarily in Pennsylvania, Ohio, New York, and West Virginia. The company benefits from a conservative lending culture, loyal customer relationships, and a stable dividend, making it an attractive option for income-focused investors. Its primary growth opportunity lies in enhancing digital banking capabilities and selectively expanding market share in its core region. However, it faces risks related to geographic concentration, intense competition from larger banks, and potential macroeconomic shifts affecting interest margins. Investors should monitor the effectiveness of its cost-saving measures and its ability to adapt to a digital-first banking environment.
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, slow-growth regional bank rather than a high-growth tech or emerging industry stock. |
| Momentum investor | Weak fit | The stock typically exhibits low price volatility and steady, rather than explosive, market performance. |
| Value investor | Mixed fit | Valuation is often linked to interest rate cycles and regional economic health, requiring careful entry timing. |
| Dividend investor | Strong fit | The company has a consistent history of dividend payments, making it suitable for income-focused portfolios. |
| Low-risk investor | Strong fit | As a stable, regulated regional financial institution, it offers lower volatility compared to higher-growth sectors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock price is susceptible to sector-wide news and interest rate changes. |
| Valuation risk | Medium | Bank valuations are highly dependent on book value multiples and earnings yield expectations. |
| Competition risk (Regional Banking) | Medium / high | Larger banks can offer more sophisticated digital tools and lower costs. |
| Business quality | Medium | The franchise is solid but faces structural pressures common to smaller regional banks. |
| Dividend income | Low | The dividend is historically reliable, though subject to capital adequacy requirements. |
| Execution risk | Medium | Successfully integrating future acquisitions or managing digital transformation is key to long-term success. |
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 10/09/2026 |
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 2.15B USD | Price to earnings Ratio 14.11 | 1Y Target Price 16.29 |
Price to earnings Ratio 14.11 | 1Y Target Price 16.29 | ||
Volume (30-day avg) 1.1M shares | Beta 0.69 | 52 Weeks Range 10.79 - 15.96 | Updated Date 10/11/2026 |
52 Weeks Range 10.79 - 15.96 | Updated Date 10/11/2026 | ||
Dividends yield (FY) 5.39% | 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 the bank makes money; sensitive to the difference between loan and deposit rates. |
| Fee-Based Services | Trust services, insurance commissions, and deposit account fees. | Diversified income that helps stabilize revenue when loan demand fluctuates. |
| Geographic Operations | Pennsylvania, Ohio, New York, and West Virginia. | Performance is tied to the regional economic health of these states. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 14.11 | Forward PE 13.4 | Enterprise Value 2.76B | Price to Sales(TTM) 3.28 |
Enterprise Value 2.76B | Price to Sales(TTM) 3.28 | ||
Enterprise Value to Revenue 4.36 | Enterprise Value to EBITDA - | Shares Outstanding 146.40M | Shares Floating 144.64M |
Shares Outstanding 146.40M | 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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