Switch to:
Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.17
NWBI's Cash to Debt is ranked lower than
88% of the 1162 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.79 vs. NWBI: 0.17 )
Ranked among companies with meaningful Cash to Debt only.
NWBI' s Cash to Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.35 Max: 1.11
Current: 0.17
0.06
1.11
Equity to Asset 0.13
NWBI's Equity to Asset is ranked higher than
75% of the 1660 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. NWBI: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
NWBI' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.16
Current: 0.13
0.07
0.16
Interest Coverage 1.63
NWBI's Interest Coverage is ranked higher than
50% of the 1543 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.64 vs. NWBI: 1.63 )
Ranked among companies with meaningful Interest Coverage only.
NWBI' s Interest Coverage Range Over the Past 10 Years
Min: 0.29  Med: 0.85 Max: 1.57
Current: 1.63
0.29
1.57
F-Score: 4
M-Score: -2.36
WACC vs ROIC
4.90%
3.19%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 26.50
NWBI's Operating margin (%) is ranked lower than
63% of the 1677 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.23 vs. NWBI: 26.50 )
Ranked among companies with meaningful Operating margin (%) only.
NWBI' s Operating margin (%) Range Over the Past 10 Years
Min: 14.06  Med: 27.30 Max: 31.92
Current: 26.5
14.06
31.92
Net-margin (%) 18.05
NWBI's Net-margin (%) is ranked lower than
66% of the 1680 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.64 vs. NWBI: 18.05 )
Ranked among companies with meaningful Net-margin (%) only.
NWBI' s Net-margin (%) Range Over the Past 10 Years
Min: 11.58  Med: 19.55 Max: 23.06
Current: 18.05
11.58
23.06
ROE (%) 5.54
NWBI's ROE (%) is ranked lower than
72% of the 1675 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.42 vs. NWBI: 5.54 )
Ranked among companies with meaningful ROE (%) only.
NWBI' s ROE (%) Range Over the Past 10 Years
Min: 3.38  Med: 5.58 Max: 8.69
Current: 5.54
3.38
8.69
ROA (%) 0.73
NWBI's ROA (%) is ranked lower than
61% of the 1684 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. NWBI: 0.73 )
Ranked among companies with meaningful ROA (%) only.
NWBI' s ROA (%) Range Over the Past 10 Years
Min: 0.44  Med: 0.77 Max: 0.84
Current: 0.73
0.44
0.84
Revenue Growth (3Y)(%) 0.80
NWBI's Revenue Growth (3Y)(%) is ranked lower than
62% of the 1369 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.90 vs. NWBI: 0.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NWBI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0.8  Med: 10.10 Max: 14.9
Current: 0.8
0.8
14.9
EBITDA Growth (3Y)(%) -0.90
NWBI's EBITDA Growth (3Y)(%) is ranked lower than
71% of the 1263 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. NWBI: -0.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NWBI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -11.2  Med: 8.40 Max: 28.6
Current: -0.9
-11.2
28.6
EPS Growth (3Y)(%) -1.80
NWBI's EPS Growth (3Y)(%) is ranked lower than
75% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. NWBI: -1.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NWBI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -13.3  Med: 7.60 Max: 31.2
Current: -1.8
-13.3
31.2
» NWBI's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-16)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2015

NWBI Guru Trades in Q1 2015

Jim Simons 1,879,554 sh (+76.87%)
Paul Tudor Jones 69,289 sh (+31.93%)
RS Investment Management Sold Out
John Keeley Sold Out
» More
Q2 2015

NWBI Guru Trades in Q2 2015

Paul Tudor Jones 69,219 sh (-0.10%)
Jim Simons 1,217,654 sh (-35.22%)
» More
Q3 2015

NWBI Guru Trades in Q3 2015

Jeremy Grantham 37,900 sh (New)
Jim Simons 1,432,800 sh (+17.67%)
Paul Tudor Jones Sold Out
» More
Q4 2015

NWBI Guru Trades in Q4 2015

Jeremy Grantham 101,200 sh (+167.02%)
Jim Simons 1,622,600 sh (+13.25%)
» More
» Details

Insider Trades

Latest Guru Trades with NWBI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 22.02
NWBI's P/E(ttm) is ranked lower than
82% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.56 vs. NWBI: 22.02 )
Ranked among companies with meaningful P/E(ttm) only.
NWBI' s P/E(ttm) Range Over the Past 10 Years
Min: 12.93  Med: 20.10 Max: 41.29
Current: 22.02
12.93
41.29
Forward P/E 16.69
NWBI's Forward P/E is ranked lower than
92% of the 368 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.76 vs. NWBI: 16.69 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 22.02
NWBI's PE(NRI) is ranked lower than
82% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.56 vs. NWBI: 22.02 )
Ranked among companies with meaningful PE(NRI) only.
NWBI' s PE(NRI) Range Over the Past 10 Years
Min: 12.95  Med: 20.11 Max: 41.16
Current: 22.02
12.95
41.16
Price/Owner Earnings (ttm) 17.53
NWBI's Price/Owner Earnings (ttm) is ranked lower than
77% of the 880 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.31 vs. NWBI: 17.53 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
NWBI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 8.36  Med: 19.03 Max: 2021.67
Current: 17.53
8.36
2021.67
P/B 1.23
NWBI's P/B is ranked lower than
65% of the 1642 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. NWBI: 1.23 )
Ranked among companies with meaningful P/B only.
NWBI' s P/B Range Over the Past 10 Years
Min: 0.87  Med: 1.16 Max: 2.41
Current: 1.23
0.87
2.41
P/S 3.99
NWBI's P/S is ranked lower than
70% of the 1637 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.93 vs. NWBI: 3.99 )
Ranked among companies with meaningful P/S only.
NWBI' s P/S Range Over the Past 10 Years
Min: 2.51  Med: 3.96 Max: 10.57
Current: 3.99
2.51
10.57
PFCF 13.22
NWBI's PFCF is ranked lower than
64% of the 858 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.68 vs. NWBI: 13.22 )
Ranked among companies with meaningful PFCF only.
NWBI' s PFCF Range Over the Past 10 Years
Min: 7.88  Med: 15.48 Max: 165.94
Current: 13.22
7.88
165.94
POCF 11.71
NWBI's POCF is ranked lower than
64% of the 975 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. NWBI: 11.71 )
Ranked among companies with meaningful POCF only.
NWBI' s POCF Range Over the Past 10 Years
Min: 7.44  Med: 12.80 Max: 76.92
Current: 11.71
7.44
76.92
EV-to-EBIT 26.61
NWBI's EV-to-EBIT is ranked lower than
80% of the 1503 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.40 vs. NWBI: 26.61 )
Ranked among companies with meaningful EV-to-EBIT only.
NWBI' s EV-to-EBIT Range Over the Past 10 Years
Min: 13.1  Med: 20.90 Max: 40.2
Current: 26.61
13.1
40.2
EV-to-EBITDA 24.16
NWBI's EV-to-EBITDA is ranked lower than
81% of the 1507 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.24 vs. NWBI: 24.16 )
Ranked among companies with meaningful EV-to-EBITDA only.
NWBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 11.5  Med: 19.00 Max: 37.3
Current: 24.16
11.5
37.3
PEG 7.82
NWBI's PEG is ranked lower than
92% of the 724 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.03 vs. NWBI: 7.82 )
Ranked among companies with meaningful PEG only.
NWBI' s PEG Range Over the Past 10 Years
Min: 1.49  Med: 3.80 Max: 48.4
Current: 7.82
1.49
48.4
Shiller P/E 24.01
NWBI's Shiller P/E is ranked lower than
73% of the 504 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.22 vs. NWBI: 24.01 )
Ranked among companies with meaningful Shiller P/E only.
NWBI' s Shiller P/E Range Over the Past 10 Years
Min: 13.73  Med: 23.95 Max: 34.86
Current: 24.01
13.73
34.86

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.11
NWBI's Dividend Yield is ranked higher than
75% of the 2098 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.90 vs. NWBI: 4.11 )
Ranked among companies with meaningful Dividend Yield only.
NWBI' s Dividend Yield Range Over the Past 10 Years
Min: 2.15  Med: 3.51 Max: 6.49
Current: 4.11
2.15
6.49
Dividend Payout 0.88
NWBI's Dividend Payout is ranked lower than
92% of the 1273 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. NWBI: 0.88 )
Ranked among companies with meaningful Dividend Payout only.
NWBI' s Dividend Payout Range Over the Past 10 Years
Min: 0.28  Med: 0.57 Max: 1.31
Current: 0.88
0.28
1.31
Dividend Growth (3y) -2.30
NWBI's Dividend Growth (3y) is ranked lower than
78% of the 742 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.80 vs. NWBI: -2.30 )
Ranked among companies with meaningful Dividend Growth (3y) only.
NWBI' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -2.3  Med: 7.90 Max: 35.8
Current: -2.3
-2.3
35.8
Forward Dividend Yield 4.28
NWBI's Forward Dividend Yield is ranked higher than
75% of the 1965 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.74 vs. NWBI: 4.28 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 5.32
NWBI's Yield on cost (5-Year) is ranked higher than
74% of the 2495 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.43 vs. NWBI: 5.32 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NWBI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.78  Med: 4.54 Max: 8.4
Current: 5.32
2.78
8.4
3-Year Average Share Buyback Ratio -0.20
NWBI's 3-Year Average Share Buyback Ratio is ranked higher than
72% of the 1112 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. NWBI: -0.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
NWBI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -2.3  Med: -0.20 Max: 5.7
Current: -0.2
-2.3
5.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.59
NWBI's Price/Tangible Book is ranked lower than
73% of the 1634 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. NWBI: 1.59 )
Ranked among companies with meaningful Price/Tangible Book only.
NWBI' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.09  Med: 2.16 Max: 3.78
Current: 1.59
1.09
3.78
Price/Projected FCF 0.73
NWBI's Price/Projected FCF is ranked lower than
58% of the 885 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.65 vs. NWBI: 0.73 )
Ranked among companies with meaningful Price/Projected FCF only.
NWBI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.65  Med: 1.07 Max: 1.81
Current: 0.73
0.65
1.81
Price/Median PS Value 1.00
NWBI's Price/Median PS Value is ranked higher than
51% of the 1548 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.01 vs. NWBI: 1.00 )
Ranked among companies with meaningful Price/Median PS Value only.
NWBI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.56  Med: 1.08 Max: 2.53
Current: 1
0.56
2.53
Price/Graham Number 1.25
NWBI's Price/Graham Number is ranked lower than
82% of the 1461 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. NWBI: 1.25 )
Ranked among companies with meaningful Price/Graham Number only.
NWBI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.95  Med: 1.43 Max: 2.43
Current: 1.25
0.95
2.43
Earnings Yield (Greenblatt) (%) 3.78
NWBI's Earnings Yield (Greenblatt) (%) is ranked lower than
72% of the 1644 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. NWBI: 3.78 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NWBI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.5  Med: 4.80 Max: 7.7
Current: 3.78
2.5
7.7
Forward Rate of Return (Yacktman) (%) 10.04
NWBI's Forward Rate of Return (Yacktman) (%) is ranked lower than
57% of the 843 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.13 vs. NWBI: 10.04 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
NWBI' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 1.8  Med: 9.20 Max: 19.2
Current: 10.04
1.8
19.2

More Statistics

Revenue(Mil) $345
EPS $ 0.64
Beta0.51
Short Percentage of Float9.97%
52-Week Range $11.78 - 14.19
Shares Outstanding(Mil)101.78

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 0.77 0.84
EPS without NRI($) 0.77 0.84

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NYSE:NYCB, NAS:PBCT, NAS:ISBC, NAS:WAFD, NAS:CFFN, NYSE:AF » details
Traded in other countries:NHS.Germany,
Northwest Bancshares Inc. was incorporated in September 2009 in Maryland. The Company is a community-oriented financial institution offering traditional deposit and loan products and investment management and trust services. Through a wholly-owned subsidiary, Northwest Consumer Discount Company, it also offers consumer finance loans. Its main business consists of attracting deposits from the general public and the business community and making loans secured by various types of collateral, including real estate and other consumer assets in the markets in which it operate. Attracting and maintaining deposits is affected by a number of factors, including interest rates paid on competing investments offered by other financial and non-financial institutions, account maturities, fee structures, and levels of personal income and savings. Sources of funds for lending activities include deposits, borrowings, repayments on loans, cash flows from investment securities and income provided from operations. The Company's earnings depend mainly on its level of net interest income, which is the difference between interest earned on its interest-earning assets, consisting mainly of loans and investment securities, and the interest paid on interest-bearing liabilities, consisting mainly of deposits, borrowed funds, and trust-preferred securities. The Company competes with commercial banks, savings institutions, mortgage brokerage firms, credit unions, finance companies, mutual funds, insurance companies, and brokerage and investment banking firms operating locally and elsewhere. It compete with commercial banks, savings institutions, mortgage brokerage firms, credit unions, finance companies, mutual funds, insurance companies, and brokerage and investment banking firms operating locally and elsewhere. The Company's bank, Northwest Savings Bank, is subject to extensive regulation by the Department of Banking and Securities of the Commonwealth of Pennsylvania, as its chartering agency, and by the Federal Deposit Insurance Corporation, as the insurer of its deposit accounts.
» More Articles for NWBI

Headlines

Articles On GuruFocus.com
Bank And Thrift Mergers To Continue Nov 07 2014 
Small Cap Dividend Stocks (Predictability > 3.5) Oct 15 2014 
Stocks at Historical Low P/S Ratios Sep 29 2011 
Dividends of LyondellBasell, Interactive Brokers, Northwest Bancshares and Johnson Controls Apr 25 2011 

More From Other Websites
18 First Niagara branches to be acquired by Northwest Apr 29 2016
[$$] KeyCorp Agrees to Sell 18 Branches to Northwest Bank Apr 28 2016
NORTHWEST BANCSHARES, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement,... Apr 28 2016
Northwest Bancshares, Inc. to Acquire $1.7 Billion in Deposits and 18 First Niagara Branches in... Apr 28 2016
KeyCorp, Department of Justice, and Federal Reserve Board Agree on First Niagara Branch Divestitures Apr 28 2016
Northwest Bancshares, Inc. to Acquire $1.7 Billion in Deposits and 18 First Niagara Branches in... Apr 28 2016
NORTHWEST BANCSHARES, INC. Files SEC form 8-K, Results of Operations and Financial Condition Apr 25 2016
Northwest Bancshares, Inc. Announces First Quarter 2016 Earnings and Quarterly Dividend Apr 22 2016
Northwest Bancshares posts 1Q profit Apr 22 2016
Northwest Bancshares posts 1Q profit Apr 22 2016
Northwest Bancshares, Inc. Announces First Quarter 2016 Earnings and Quarterly Dividend Apr 22 2016
NORTHWEST BANCSHARES, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders,... Apr 21 2016
Northwest Bancshares, Inc. (Pennsylvania) :NWBI-US: Earnings Analysis: 2015 By the Numbers Apr 01 2016
NORTHWEST BANCSHARES, INC. Financials Mar 08 2016
NORTHWEST BANCSHARES, INC. Files SEC form 10-K, Annual Report Feb 29 2016
Northwest Bancshares, Inc. (Pennsylvania) Earnings Analysis: Q4, 2015 By the Numbers Jan 27 2016
Net income at Northwest Bancshares dips during 4Q Jan 26 2016
NORTHWEST BANCSHARES, INC. Files SEC form 8-K, Results of Operations and Financial Condition Jan 26 2016
Northwest Bancshares posts 4Q profit Jan 25 2016
Northwest Bancshares posts 4Q profit Jan 25 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK