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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 0.29
NWBI's Cash to Debt is ranked lower than
76% of the 983 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.38 vs. NWBI: 0.29 )
Ranked among companies with meaningful Cash to Debt only.
NWBI' s 10-Year Cash to Debt Range
Min: 0.06  Med: 0.38 Max: No Debt
Current: 0.29
Equity to Asset 0.14
NWBI's Equity to Asset is ranked higher than
81% of the 1353 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. NWBI: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
NWBI' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.09 Max: 0.16
Current: 0.14
0.07
0.16
Interest Coverage 1.48
NWBI's Interest Coverage is ranked lower than
52% of the 1269 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.61 vs. NWBI: 1.48 )
Ranked among companies with meaningful Interest Coverage only.
NWBI' s 10-Year Interest Coverage Range
Min: 0.25  Med: 0.38 Max: 1.52
Current: 1.48
0.25
1.52
F-Score: 5
WACC vs ROIC
5.42%
3.74%
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 (%) 29.19
NWBI's Operating margin (%) is ranked lower than
53% of the 1421 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.31 vs. NWBI: 29.19 )
Ranked among companies with meaningful Operating margin (%) only.
NWBI' s 10-Year Operating margin (%) Range
Min: 14.06  Med: 31.04 Max: 40.08
Current: 29.19
14.06
40.08
Net-margin (%) 20.92
NWBI's Net-margin (%) is ranked lower than
53% of the 1421 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.02 vs. NWBI: 20.92 )
Ranked among companies with meaningful Net-margin (%) only.
NWBI' s 10-Year Net-margin (%) Range
Min: 11.58  Med: 21.06 Max: 26.39
Current: 20.92
11.58
26.39
ROE (%) 6.19
NWBI's ROE (%) is ranked lower than
67% of the 1423 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.48 vs. NWBI: 6.19 )
Ranked among companies with meaningful ROE (%) only.
NWBI' s 10-Year ROE (%) Range
Min: 3.38  Med: 8.38 Max: 12.46
Current: 6.19
3.38
12.46
ROA (%) 0.84
NWBI's ROA (%) is ranked lower than
52% of the 1432 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. NWBI: 0.84 )
Ranked among companies with meaningful ROA (%) only.
NWBI' s 10-Year ROA (%) Range
Min: 0.44  Med: 0.80 Max: 0.92
Current: 0.84
0.44
0.92
Revenue Growth (3Y)(%) 2.10
NWBI's Revenue Growth (3Y)(%) is ranked higher than
50% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. NWBI: 2.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NWBI' s 10-Year Revenue Growth (3Y)(%) Range
Min: 2.1  Med: 10.25 Max: 14.1
Current: 2.1
2.1
14.1
EBITDA Growth (3Y)(%) 0.70
NWBI's EBITDA Growth (3Y)(%) is ranked lower than
70% of the 1066 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. NWBI: 0.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NWBI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -11.4  Med: 8.80 Max: 28.8
Current: 0.7
-11.4
28.8
EPS Growth (3Y)(%) 1.50
NWBI's EPS Growth (3Y)(%) is ranked lower than
70% of the 1065 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.70 vs. NWBI: 1.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NWBI' s 10-Year EPS Growth (3Y)(%) Range
Min: -13.3  Med: 9.50 Max: 30.7
Current: 1.5
-13.3
30.7
» NWBI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

NWBI Guru Trades in Q3 2014

Jim Simons 587,754 sh (+19.81%)
Paul Tudor Jones Sold Out
John Keeley 1,166,381 sh (-1.38%)
» More
Q4 2014

NWBI Guru Trades in Q4 2014

RS Investment Management 5,516 sh (New)
Paul Tudor Jones 52,521 sh (New)
Jim Simons 1,062,654 sh (+80.80%)
John Keeley 500,961 sh (-57.05%)
» More
Q1 2015

NWBI Guru Trades in Q1 2015

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

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Ratios

vs
industry
vs
history
P/E(ttm) 17.42
NWBI's P/E(ttm) is ranked lower than
72% of the 1300 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. NWBI: 17.42 )
Ranked among companies with meaningful P/E(ttm) only.
NWBI' s 10-Year P/E(ttm) Range
Min: 12.93  Med: 20.48 Max: 41.29
Current: 17.42
12.93
41.29
Forward P/E 15.95
NWBI's Forward P/E is ranked lower than
85% of the 718 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.82 vs. NWBI: 15.95 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.50
NWBI's PE(NRI) is ranked lower than
72% of the 1288 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. NWBI: 17.50 )
Ranked among companies with meaningful PE(NRI) only.
NWBI' s 10-Year PE(NRI) Range
Min: 12.94  Med: 20.43 Max: 41.16
Current: 17.5
12.94
41.16
P/B 1.15
NWBI's P/B is ranked lower than
57% of the 1381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. NWBI: 1.15 )
Ranked among companies with meaningful P/B only.
NWBI' s 10-Year P/B Range
Min: 0.87  Med: 1.20 Max: 2.41
Current: 1.15
0.87
2.41
P/S 3.69
NWBI's P/S is ranked lower than
68% of the 1426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.88 vs. NWBI: 3.69 )
Ranked among companies with meaningful P/S only.
NWBI' s 10-Year P/S Range
Min: 2.5  Med: 4.04 Max: 10.67
Current: 3.69
2.5
10.67
PFCF 14.28
NWBI's PFCF is ranked lower than
65% of the 858 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.85 vs. NWBI: 14.28 )
Ranked among companies with meaningful PFCF only.
NWBI' s 10-Year PFCF Range
Min: 7.8  Med: 15.02 Max: 163.57
Current: 14.28
7.8
163.57
POCF 12.57
NWBI's POCF is ranked lower than
68% of the 954 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.17 vs. NWBI: 12.57 )
Ranked among companies with meaningful POCF only.
NWBI' s 10-Year POCF Range
Min: 7.1  Med: 12.53 Max: 54.52
Current: 12.57
7.1
54.52
EV-to-EBIT 20.70
NWBI's EV-to-EBIT is ranked lower than
73% of the 1297 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.56 vs. NWBI: 20.70 )
Ranked among companies with meaningful EV-to-EBIT only.
NWBI' s 10-Year EV-to-EBIT Range
Min: 13.1  Med: 20.90 Max: 40.9
Current: 20.7
13.1
40.9
PEG 1.35
NWBI's PEG is ranked lower than
61% of the 612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.99 vs. NWBI: 1.35 )
Ranked among companies with meaningful PEG only.
NWBI' s 10-Year PEG Range
Min: 1.29  Med: 2.72 Max: 15.66
Current: 1.35
1.29
15.66
Shiller P/E 19.64
NWBI's Shiller P/E is ranked lower than
67% of the 784 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.97 vs. NWBI: 19.64 )
Ranked among companies with meaningful Shiller P/E only.
NWBI' s 10-Year Shiller P/E Range
Min: 12.32  Med: 23.73 Max: 36.4
Current: 19.64
12.32
36.4
Days Sales Outstanding 21.56
NWBI's Days Sales Outstanding is ranked higher than
76% of the 793 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.20 vs. NWBI: 21.56 )
Ranked among companies with meaningful Days Sales Outstanding only.
NWBI' s 10-Year Days Sales Outstanding Range
Min: 21.27  Med: 43.04 Max: 54.85
Current: 21.56
21.27
54.85

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.34
NWBI's Dividend Yield is ranked higher than
76% of the 2262 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.73 vs. NWBI: 4.34 )
Ranked among companies with meaningful Dividend Yield only.
NWBI' s 10-Year Dividend Yield Range
Min: 1.64  Med: 3.43 Max: 6.49
Current: 4.34
1.64
6.49
Dividend Payout 0.75
NWBI's Dividend Payout is ranked lower than
88% of the 1321 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. NWBI: 0.75 )
Ranked among companies with meaningful Dividend Payout only.
NWBI' s 10-Year Dividend Payout Range
Min: 0.19  Med: 0.55 Max: 10.89
Current: 0.75
0.19
10.89
Dividend growth (3y) 6.50
NWBI's Dividend growth (3y) is ranked lower than
53% of the 671 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. NWBI: 6.50 )
Ranked among companies with meaningful Dividend growth (3y) only.
NWBI' s 10-Year Dividend growth (3y) Range
Min: -1.7  Med: 11.30 Max: 35.8
Current: 6.5
-1.7
35.8
Yield on cost (5-Year) 5.46
NWBI's Yield on cost (5-Year) is ranked higher than
74% of the 2265 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.15 vs. NWBI: 5.46 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NWBI' s 10-Year Yield on cost (5-Year) Range
Min: 2.06  Med: 4.32 Max: 8.17
Current: 5.46
2.06
8.17
Share Buyback Rate 2.70
NWBI's Share Buyback Rate is ranked higher than
93% of the 1012 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. NWBI: 2.70 )
Ranked among companies with meaningful Share Buyback Rate only.
NWBI' s 10-Year Share Buyback Rate Range
Min: 5.7  Med: -0.20 Max: -2.3
Current: 2.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.35
NWBI's Price/Tangible Book is ranked lower than
63% of the 1349 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. NWBI: 1.35 )
Ranked among companies with meaningful Price/Tangible Book only.
NWBI' s 10-Year Price/Tangible Book Range
Min: 1.09  Med: 2.26 Max: 4.13
Current: 1.35
1.09
4.13
Price/Projected FCF 0.70
NWBI's Price/Projected FCF is ranked lower than
54% of the 806 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. NWBI: 0.70 )
Ranked among companies with meaningful Price/Projected FCF only.
NWBI' s 10-Year Price/Projected FCF Range
Min: 0.1  Med: 1.00 Max: 1.44
Current: 0.7
0.1
1.44
Price/Median PS Value 0.91
NWBI's Price/Median PS Value is ranked higher than
72% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. NWBI: 0.91 )
Ranked among companies with meaningful Price/Median PS Value only.
NWBI' s 10-Year Price/Median PS Value Range
Min: 0.55  Med: 1.03 Max: 2.49
Current: 0.91
0.55
2.49
Price/Graham Number 1.04
NWBI's Price/Graham Number is ranked lower than
69% of the 1192 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. NWBI: 1.04 )
Ranked among companies with meaningful Price/Graham Number only.
NWBI' s 10-Year Price/Graham Number Range
Min: 0.94  Med: 1.41 Max: 2.66
Current: 1.04
0.94
2.66
Earnings Yield (Greenblatt) (%) 4.79
NWBI's Earnings Yield (Greenblatt) (%) is ranked lower than
65% of the 1422 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. NWBI: 4.79 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NWBI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.4  Med: 4.80 Max: 7.7
Current: 4.79
2.4
7.7
Forward Rate of Return (Yacktman) (%) 11.62
NWBI's Forward Rate of Return (Yacktman) (%) is ranked lower than
55% of the 785 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.29 vs. NWBI: 11.62 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
NWBI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -2  Med: 12.00 Max: 19.7
Current: 11.62
-2
19.7

Analyst Estimate

Dec15 Dec16
EPS($) 0.74 0.79
EPS without NRI($) 0.74 0.79

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » 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.
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