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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.24
NWBI's Cash to Debt is ranked higher than
59% of the 1615 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.52 vs. NWBI: 0.24 )
NWBI' s 10-Year Cash to Debt Range
Min: 0.06   Max: 1.11
Current: 0.24

0.06
1.11
Equity to Asset 0.14
NWBI's Equity to Asset is ranked higher than
89% of the 2028 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. NWBI: 0.14 )
NWBI' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.16
Current: 0.14

0.07
0.16
Interest Coverage 1.48
NWBI's Interest Coverage is ranked higher than
71% of the 1861 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.28 vs. NWBI: 1.48 )
NWBI' s 10-Year Interest Coverage Range
Min: 0.25   Max: 1.52
Current: 1.48

0.25
1.52
F-Score: 5
Z-Score: 0.29
WACC vs ROIC
6.26%
3.59%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 26.23
NWBI's Operating margin (%) is ranked higher than
70% of the 2053 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.72 vs. NWBI: 26.23 )
NWBI' s 10-Year Operating margin (%) Range
Min: 14.06   Max: 40.08
Current: 26.23

14.06
40.08
Net-margin (%) 19.40
NWBI's Net-margin (%) is ranked higher than
71% of the 2053 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.65 vs. NWBI: 19.40 )
NWBI' s 10-Year Net-margin (%) Range
Min: 11.58   Max: 25.86
Current: 19.4

11.58
25.86
ROE (%) 5.61
NWBI's ROE (%) is ranked higher than
65% of the 2058 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.74 vs. NWBI: 5.61 )
NWBI' s 10-Year ROE (%) Range
Min: 3.38   Max: 12.2
Current: 5.61

3.38
12.2
ROA (%) 0.79
NWBI's ROA (%) is ranked higher than
73% of the 2060 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. NWBI: 0.79 )
NWBI' s 10-Year ROA (%) Range
Min: 0.44   Max: 1.01
Current: 0.79

0.44
1.01
ROC (Joel Greenblatt) (%) 57.69
NWBI's ROC (Joel Greenblatt) (%) is ranked higher than
71% of the 2017 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 80.18 vs. NWBI: 57.69 )
NWBI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 32.56   Max: 317.98
Current: 57.69

32.56
317.98
Revenue Growth (3Y)(%) 2.10
NWBI's Revenue Growth (3Y)(%) is ranked higher than
78% of the 1724 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.50 vs. NWBI: 2.10 )
NWBI' s 10-Year Revenue Growth (3Y)(%) Range
Min: 2.1   Max: 25.5
Current: 2.1

2.1
25.5
EBITDA Growth (3Y)(%) 0.70
NWBI's EBITDA Growth (3Y)(%) is ranked higher than
67% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. NWBI: 0.70 )
NWBI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -11.4   Max: 28.8
Current: 0.7

-11.4
28.8
EPS Growth (3Y)(%) 1.50
NWBI's EPS Growth (3Y)(%) is ranked higher than
68% of the 1550 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. NWBI: 1.50 )
NWBI' s 10-Year EPS Growth (3Y)(%) Range
Min: -13.3   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

Q1 2014

NWBI Guru Trades in Q1 2014

Steven Cohen 16,988 sh (New)
Jim Simons 696,454 sh (+12.29%)
John Keeley 1,473,634 sh (-2.93%)
» More
Q2 2014

NWBI Guru Trades in Q2 2014

Paul Tudor Jones 25,126 sh (New)
John Keeley 1,182,691 sh (-19.74%)
Jim Simons 490,554 sh (-29.56%)
» More
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 (+80.8%)
John Keeley 500,961 sh (-57.05%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Keeley 2014-12-31 Reduce -57.05%0.17%$11.91 - $13.27 $ 11.71-7%500961
John Keeley 2013-06-30 Reduce -46.07%0.36%$11.99 - $13.51 $ 11.71-6%1686029
NWQ Managers 2013-06-30 Sold Out 0.06%$11.99 - $13.51 $ 11.71-6%0
NWQ Managers 2013-03-31 Reduce -44.12%0.04%$12.07 - $12.9 $ 11.71-6%523028
John Keeley 2012-09-30 Add 53.37%0.25%$11.31 - $12.48 $ 11.71-2%2654450
NWQ Managers 2012-03-31 Reduce -37.84%0.05%$12.26 - $12.95 $ 11.71-1%902127
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 17.40
NWBI's P/E(ttm) is ranked higher than
76% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. NWBI: 17.40 )
NWBI' s 10-Year P/E(ttm) Range
Min: 12.93   Max: 41.29
Current: 17.4

12.93
41.29
Forward P/E 16.56
NWBI's Forward P/E is ranked higher than
77% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.42 vs. NWBI: 16.56 )
N/A
PE(NRI) 17.20
NWBI's PE(NRI) is ranked higher than
76% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. NWBI: 17.20 )
NWBI' s 10-Year PE(NRI) Range
Min: 12.94   Max: 41.16
Current: 17.2

12.94
41.16
P/B 1.10
NWBI's P/B is ranked higher than
80% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.32 vs. NWBI: 1.10 )
NWBI' s 10-Year P/B Range
Min: 0.87   Max: 2.47
Current: 1.1

0.87
2.47
P/S 3.40
NWBI's P/S is ranked higher than
75% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.63 vs. NWBI: 3.40 )
NWBI' s 10-Year P/S Range
Min: 2.5   Max: 10.67
Current: 3.4

2.5
10.67
PFCF 13.60
NWBI's PFCF is ranked higher than
84% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. NWBI: 13.60 )
NWBI' s 10-Year PFCF Range
Min: 7.8   Max: 163.57
Current: 13.6

7.8
163.57
POCF 11.94
NWBI's POCF is ranked higher than
83% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 77.89 vs. NWBI: 11.94 )
NWBI' s 10-Year POCF Range
Min: 7.1   Max: 54.52
Current: 11.94

7.1
54.52
EV-to-EBIT 22.26
NWBI's EV-to-EBIT is ranked higher than
71% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.45 vs. NWBI: 22.26 )
NWBI' s 10-Year EV-to-EBIT Range
Min: 13.1   Max: 40.9
Current: 22.26

13.1
40.9
PEG 1.32
NWBI's PEG is ranked higher than
91% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. NWBI: 1.32 )
NWBI' s 10-Year PEG Range
Min: 1.29   Max: 15.66
Current: 1.32

1.29
15.66
Shiller P/E 19.30
NWBI's Shiller P/E is ranked higher than
85% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. NWBI: 19.30 )
NWBI' s 10-Year Shiller P/E Range
Min: 12.32   Max: 38.4
Current: 19.3

12.32
38.4
Days Sales Outstanding 21.26
NWBI's Days Sales Outstanding is ranked higher than
95% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. NWBI: 21.26 )
NWBI' s 10-Year Days Sales Outstanding Range
Min: 21.27   Max: 54.85
Current: 21.26

21.27
54.85

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.50
NWBI's Dividend Yield is ranked higher than
86% of the 1919 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.40 vs. NWBI: 4.50 )
NWBI' s 10-Year Dividend Yield Range
Min: 1.46   Max: 6.49
Current: 4.5

1.46
6.49
Dividend Payout 0.77
NWBI's Dividend Payout is ranked higher than
61% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. NWBI: 0.77 )
NWBI' s 10-Year Dividend Payout Range
Min: 0.28   Max: 1.3
Current: 0.77

0.28
1.3
Dividend growth (3y) 6.50
NWBI's Dividend growth (3y) is ranked higher than
79% of the 1116 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.90 vs. NWBI: 6.50 )
NWBI' s 10-Year Dividend growth (3y) Range
Min: -1.7   Max: 36.4
Current: 6.5

-1.7
36.4
Yield on cost (5-Year) 5.66
NWBI's Yield on cost (5-Year) is ranked higher than
88% of the 1931 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.40 vs. NWBI: 5.66 )
NWBI' s 10-Year Yield on cost (5-Year) Range
Min: 1.84   Max: 8.17
Current: 5.66

1.84
8.17
Share Buyback Rate 2.70
NWBI's Share Buyback Rate is ranked higher than
96% of the 1458 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. NWBI: 2.70 )
NWBI' s 10-Year Share Buyback Rate Range
Min: 12.6   Max: -2.3
Current: 2.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
NWBI's Price/Tangible Book is ranked higher than
77% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.51 vs. NWBI: 1.30 )
NWBI' s 10-Year Price/Tangible Book Range
Min: 1.09   Max: 4.13
Current: 1.3

1.09
4.13
Price/DCF (Projected) 0.60
NWBI's Price/DCF (Projected) is ranked higher than
87% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.55 vs. NWBI: 0.60 )
NWBI' s 10-Year Price/DCF (Projected) Range
Min: 0.64   Max: 1.48
Current: 0.6

0.64
1.48
Price/Median PS Value 0.80
NWBI's Price/Median PS Value is ranked higher than
94% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.24 vs. NWBI: 0.80 )
NWBI' s 10-Year Price/Median PS Value Range
Min: 0.54   Max: 2.44
Current: 0.8

0.54
2.44
Price/Peter Lynch Fair Value 2.30
NWBI's Price/Peter Lynch Fair Value is ranked higher than
90% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. NWBI: 2.30 )
NWBI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.99   Max: 5.99
Current: 2.3

0.99
5.99
Price/Graham Number 1.00
NWBI's Price/Graham Number is ranked higher than
78% of the 2695 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. NWBI: 1.00 )
NWBI' s 10-Year Price/Graham Number Range
Min: 0.87   Max: 2.42
Current: 1

0.87
2.42
Earnings Yield (Greenblatt) 4.50
NWBI's Earnings Yield (Greenblatt) is ranked higher than
61% of the 2041 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. NWBI: 4.50 )
NWBI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.4   Max: 7.7
Current: 4.5

2.4
7.7
Forward Rate of Return (Yacktman) 15.75
NWBI's Forward Rate of Return (Yacktman) is ranked higher than
74% of the 1289 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.40 vs. NWBI: 15.75 )
NWBI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2.6   Max: 19.7
Current: 15.75

-2.6
19.7

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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