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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
07/03/2025: NWBI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 1.55% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/03/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.72B USD | Price to earnings Ratio 14.99 | 1Y Target Price 13.38 |
Price to earnings Ratio 14.99 | 1Y Target Price 13.38 | ||
Volume (30-day avg) 6 | Beta 0.66 | 52 Weeks Range 10.58 - 14.94 | Updated Date 07/5/2025 |
52 Weeks Range 10.58 - 14.94 | Updated Date 07/5/2025 | ||
Dividends yield (FY) 6.26% | Basic EPS (TTM) 0.9 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 22.09% | Operating Margin (TTM) 40.79% |
Management Effectiveness
Return on Assets (TTM) 0.79% | Return on Equity (TTM) 7.2% |
Valuation
Trailing PE 14.99 | Forward PE 13.4 | Enterprise Value 1721178368 | Price to Sales(TTM) 3.32 |
Enterprise Value 1721178368 | Price to Sales(TTM) 3.32 | ||
Enterprise Value to Revenue 3.97 | Enterprise Value to EBITDA - | Shares Outstanding 127752000 | Shares Floating 126428936 |
Shares Outstanding 127752000 | Shares Floating 126428936 | ||
Percent Insiders 1.07 | Percent Institutions 71.9 |
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 to become a regional financial institution.
Core Business Areas
- Community Banking: Provides traditional banking services, including checking and savings accounts, loans, and wealth management services to individuals and businesses.
- Commercial Lending: Offers various commercial lending products, including commercial real estate loans, business loans, and equipment financing.
- Mortgage Banking: Provides mortgage lending services to customers.
- Wealth Management: Offers services in wealth management.
Leadership and Structure
Northwest Bancshares Inc. has a board of directors overseeing management. Management includes the CEO, CFO, and other key executives responsible for various business segments.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, generating significant revenue. Market share information is regionally specific, competing with national and regional banks and credit unions. Competitors: PNC, KeyCorp, local banks.
- Residential Mortgages: Mortgages for home purchases and refinancing. Market share varies by region. Competitors: Rocket Mortgage, Wells Fargo, local credit unions.
- Business Loans: Loans to small and medium-sized businesses. Revenue contribution significant. Competitors: Bank of America, JPMorgan Chase, online lenders.
- Deposit Accounts: Checking, savings, and money market accounts. Competitors: Chase Bank, Citizens Bank, other credit unions.
Market Dynamics
Industry Overview
The banking industry is influenced by interest rates, regulatory changes, economic conditions, and technological advancements.
Positioning
Northwest Bancshares Inc. positions itself as a community-focused bank offering a range of financial services.
Total Addressable Market (TAM)
The TAM consists of all potential customers for banking services in its operating regions. Northwest Bancshares Inc. is positioned to capture a portion of this market through its community banking approach.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Established customer relationships
- Diversified revenue streams
- Sound capital position
Weaknesses
- Limited geographic footprint compared to larger banks
- Exposure to regional economic fluctuations
- Reliance on traditional banking services
- Lower brand awareness compared to larger national banks
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Strategic acquisitions
- Growing demand for wealth management services
Threats
- Increased competition from online lenders
- Rising interest rates
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- KEY
- CMA
Competitive Landscape
Northwest Bancshares Inc. competes with larger national banks and regional banks.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been moderate, driven by organic expansion and acquisitions.
Future Projections: Analyst projections vary based on economic conditions and company performance.
Recent Initiatives: Recent initiatives include expanding digital banking services and pursuing strategic acquisitions.
Summary
Northwest Bancshares Inc. is a regional bank with a stable business model. It has a strong regional presence, and a diversified revenue stream. Its weaknesses include a limited geographic footprint and increasing competition from online lenders. The bank can capitalize on opportunities, such as acquisitions, to expand its business.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, Market research reports, Analyst estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice.
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 1996 | Website https://www.northwest.bank |
Full time employees 1996 | 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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