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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 1.52
NWBI's Cash-to-Debt is ranked lower than
56% of the 1610 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.14 vs. NWBI: 1.52 )
Ranked among companies with meaningful Cash-to-Debt only.
NWBI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.39 Max: 1.52
Current: 1.52
0.06
1.52
Equity-to-Asset 0.12
NWBI's Equity-to-Asset is ranked higher than
67% of the 1614 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. NWBI: 0.12 )
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: 0.12
0.07
0.16
Interest Coverage 1.86
NWBI's Interest Coverage is ranked higher than
54% of the 1610 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.66 vs. NWBI: 1.86 )
Ranked among companies with meaningful Interest Coverage only.
NWBI' s Interest Coverage Range Over the Past 10 Years
Min: 0.29  Med: 1.09 Max: 1.86
Current: 1.86
0.29
1.86
Piotroski F-Score: 5
Beneish M-Score: -2.21
WACC vs ROIC
6.25%
3.06%
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 : 6/10

vs
industry
vs
history
Operating Margin % 18.05
NWBI's Operating Margin % is ranked lower than
78% of the 1627 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.10 vs. NWBI: 18.05 )
Ranked among companies with meaningful Operating Margin % only.
NWBI' s Operating Margin % Range Over the Past 10 Years
Min: 14.06  Med: 26.43 Max: 29.19
Current: 18.05
14.06
29.19
Net Margin % 12.57
NWBI's Net Margin % is ranked lower than
78% of the 1625 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.46 vs. NWBI: 12.57 )
Ranked among companies with meaningful Net Margin % only.
NWBI' s Net Margin % Range Over the Past 10 Years
Min: 11.58  Med: 19.03 Max: 21.53
Current: 12.57
11.58
21.53
ROE % 4.26
NWBI's ROE % is ranked lower than
78% of the 1623 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.50 vs. NWBI: 4.26 )
Ranked among companies with meaningful ROE % only.
NWBI' s ROE % Range Over the Past 10 Years
Min: 3.38  Med: 5.5 Max: 8.07
Current: 4.26
3.38
8.07
ROA % 0.54
NWBI's ROA % is ranked lower than
71% of the 1632 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. NWBI: 0.54 )
Ranked among companies with meaningful ROA % only.
NWBI' s ROA % Range Over the Past 10 Years
Min: 0.44  Med: 0.73 Max: 0.84
Current: 0.54
0.44
0.84
3-Year Revenue Growth Rate 3.90
NWBI's 3-Year Revenue Growth Rate is ranked lower than
51% of the 1366 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.20 vs. NWBI: 3.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NWBI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0.9  Med: 9.8 Max: 14.9
Current: 3.9
0.9
14.9
3-Year EBITDA Growth Rate -12.30
NWBI's 3-Year EBITDA Growth Rate is ranked lower than
88% of the 1264 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.20 vs. NWBI: -12.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NWBI' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -12.3  Med: 8.6 Max: 28.6
Current: -12.3
-12.3
28.6
3-Year EPS without NRI Growth Rate -12.40
NWBI's 3-Year EPS without NRI Growth Rate is ranked lower than
84% of the 1244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. NWBI: -12.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NWBI' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -13.2  Med: 7.6 Max: 30.7
Current: -12.4
-13.2
30.7
GuruFocus has detected 6 Warning Signs with Northwest Bancshares Inc $NWBI.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NWBI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

NWBI Guru Trades in Q1 2016

Jeremy Grantham 373,400 sh (+268.97%)
Jim Simons 1,866,300 sh (+15.02%)
» More
Q2 2016

NWBI Guru Trades in Q2 2016

Jeremy Grantham 473,171 sh (+26.72%)
Jim Simons 1,808,800 sh (-3.08%)
» More
Q3 2016

NWBI Guru Trades in Q3 2016

Paul Tudor Jones 30,794 sh (New)
Jim Simons 1,830,600 sh (+1.21%)
Jeremy Grantham 82,876 sh (-82.48%)
» More
Q4 2016

NWBI Guru Trades in Q4 2016

Paul Tudor Jones 47,060 sh (+52.82%)
Jim Simons 1,966,700 sh (+7.43%)
Jeremy Grantham 37,673 sh (-54.54%)
» More
» Details

Insider Trades

Latest Guru Trades with NWBI

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6021
Compare:NYSE:AF, NAS:BOFI, NYSE:PFS, NAS:CFFN, NYSE:FBC, NAS:KRNY, NYSE:BHLB, NAS:EBSB, NAS:OCFC, NAS:LOB, NAS:UBNK, NAS:FFIC, NAS:DCOM, NAS:CASH, NAS:HMST, NAS:WAFD, OTCPK:BBXTB, NAS:WSBF, NAS:BKMU, NAS:FDEF » details
Traded in other countries:NHS.Germany,
Northwest Bancshares Inc through its subsidiary offers personal and business deposit and loan products through its 162 banking locations in Pennsylvania, New York, Ohio and Maryland.

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.

Ratios

vs
industry
vs
history
PE Ratio 37.94
NWBI's PE Ratio is ranked lower than
93% of the 1585 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.23 vs. NWBI: 37.94 )
Ranked among companies with meaningful PE Ratio only.
NWBI' s PE Ratio Range Over the Past 10 Years
Min: 13.52  Med: 20.72 Max: 44.8
Current: 37.94
13.52
44.8
Forward PE Ratio 19.16
NWBI's Forward PE Ratio is ranked lower than
72% of the 390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.21 vs. NWBI: 19.16 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 37.94
NWBI's PE Ratio without NRI is ranked lower than
92% of the 1517 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.53 vs. NWBI: 37.94 )
Ranked among companies with meaningful PE Ratio without NRI only.
NWBI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 13.45  Med: 20.72 Max: 44.8
Current: 37.94
13.45
44.8
Price-to-Owner-Earnings 23.59
NWBI's Price-to-Owner-Earnings is ranked lower than
76% of the 868 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.84 vs. NWBI: 23.59 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
NWBI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 8.36  Med: 19.72 Max: 2021.67
Current: 23.59
8.36
2021.67
PB Ratio 1.61
NWBI's PB Ratio is ranked lower than
70% of the 1683 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. NWBI: 1.61 )
Ranked among companies with meaningful PB Ratio only.
NWBI' s PB Ratio Range Over the Past 10 Years
Min: 0.87  Med: 1.16 Max: 2.41
Current: 1.61
0.87
2.41
PS Ratio 4.74
NWBI's PS Ratio is ranked lower than
70% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.44 vs. NWBI: 4.74 )
Ranked among companies with meaningful PS Ratio only.
NWBI' s PS Ratio Range Over the Past 10 Years
Min: 2.51  Med: 3.94 Max: 6.53
Current: 4.74
2.51
6.53
Price-to-Free-Cash-Flow 26.79
NWBI's Price-to-Free-Cash-Flow is ranked lower than
77% of the 868 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.80 vs. NWBI: 26.79 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
NWBI' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 7.01  Med: 14.61 Max: 165.94
Current: 26.79
7.01
165.94
Price-to-Operating-Cash-Flow 22.70
NWBI's Price-to-Operating-Cash-Flow is ranked lower than
76% of the 933 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.53 vs. NWBI: 22.70 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
NWBI' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 6.88  Med: 12.58 Max: 53.76
Current: 22.7
6.88
53.76
EV-to-EBIT 24.66
NWBI's EV-to-EBIT is ranked lower than
78% of the 1281 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.38 vs. NWBI: 24.66 )
Ranked among companies with meaningful EV-to-EBIT only.
NWBI' s EV-to-EBIT Range Over the Past 10 Years
Min: 13.1  Med: 21.15 Max: 39.2
Current: 24.66
13.1
39.2
EV-to-EBITDA 21.16
NWBI's EV-to-EBITDA is ranked lower than
76% of the 1295 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.35 vs. NWBI: 21.16 )
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 Max: 32.7
Current: 21.16
11.5
32.7
Shiller PE Ratio 31.46
NWBI's Shiller PE Ratio is ranked lower than
73% of the 489 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.50 vs. NWBI: 31.46 )
Ranked among companies with meaningful Shiller PE Ratio only.
NWBI' s Shiller PE Ratio Range Over the Past 10 Years
Min: 14.05  Med: 23.93 Max: 33.23
Current: 31.46
14.05
33.23

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.28
NWBI's Dividend Yield % is ranked higher than
63% of the 2302 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.67 vs. NWBI: 3.28 )
Ranked among companies with meaningful Dividend Yield % only.
NWBI' s Dividend Yield % Range Over the Past 10 Years
Min: 2.27  Med: 3.56 Max: 6.49
Current: 3.28
2.27
6.49
Dividend Payout Ratio 1.44
NWBI's Dividend Payout Ratio is ranked lower than
89% of the 1292 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. NWBI: 1.44 )
Ranked among companies with meaningful Dividend Payout Ratio only.
NWBI' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.52  Med: 0.86 Max: 1.3
Current: 1.44
0.52
1.3
3-Year Dividend Growth Rate 16.40
NWBI's 3-Year Dividend Growth Rate is ranked higher than
71% of the 766 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.70 vs. NWBI: 16.40 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
NWBI' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -2.3  Med: 14.7 Max: 35.8
Current: 16.4
-2.3
35.8
Forward Dividend Yield % 3.44
NWBI's Forward Dividend Yield % is ranked higher than
62% of the 2243 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.84 vs. NWBI: 3.44 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.24
NWBI's 5-Year Yield-on-Cost % is ranked higher than
63% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.34 vs. NWBI: 4.24 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
NWBI' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.92  Med: 4.59 Max: 8.36
Current: 4.24
2.92
8.36
3-Year Average Share Buyback Ratio -2.60
NWBI's 3-Year Average Share Buyback Ratio is ranked lower than
52% of the 1063 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.10 vs. NWBI: -2.60 )
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: -2.8  Med: -0.3 Max: 5.4
Current: -2.6
-2.8
5.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.28
NWBI's Price-to-Tangible-Book is ranked lower than
81% of the 1680 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.23 vs. NWBI: 2.28 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
NWBI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.09  Med: 2.29 Max: 3.78
Current: 2.28
1.09
3.78
Price-to-Intrinsic-Value-Projected-FCF 1.02
NWBI's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
64% of the 911 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. NWBI: 1.02 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
NWBI' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.65  Med: 0.93 Max: 1.3
Current: 1.02
0.65
1.3
Price-to-Median-PS-Value 1.21
NWBI's Price-to-Median-PS-Value is ranked lower than
51% of the 1545 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. NWBI: 1.21 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
NWBI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.69  Med: 1.1 Max: 2.54
Current: 1.21
0.69
2.54
Price-to-Graham-Number 1.96
NWBI's Price-to-Graham-Number is ranked lower than
93% of the 1465 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.95 vs. NWBI: 1.96 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NWBI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.95  Med: 1.47 Max: 2.43
Current: 1.96
0.95
2.43
Earnings Yield (Greenblatt) % 4.10
NWBI's Earnings Yield (Greenblatt) % is ranked lower than
59% of the 1696 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.70 vs. NWBI: 4.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
NWBI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.5  Med: 4.7 Max: 7.7
Current: 4.1
2.5
7.7
Forward Rate of Return (Yacktman) % 1.88
NWBI's Forward Rate of Return (Yacktman) % is ranked lower than
76% of the 893 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.05 vs. NWBI: 1.88 )
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: 1.7  Med: 11.1 Max: 19.2
Current: 1.88
1.7
19.2

More Statistics

Revenue (TTM) (Mil) $395.2
EPS (TTM) $ 0.49
Beta0.62
Short Percentage of Float7.84%
52-Week Range $12.23 - 19.10
Shares Outstanding (Mil)101.70

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 0.97 1.07
EPS without NRI ($) 0.97 1.07
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for NWBI

Headlines

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More From Other Websites
Northwest Bank nixes potential branch sites in Amherst and Depew Feb 08 2017
ETFs with exposure to Northwest Bancshares, Inc. (Pennsylvania) : February 2, 2017 Feb 02 2017
Northwest Bancshares, Inc. (Pennsylvania) :NWBI-US: Earnings Analysis: Q4, 2016 By the Numbers :... Jan 26 2017
Northwest Bancshares posts 4Q profit Jan 23 2017
Northwest Bancshares posts 4Q profit Jan 23 2017
NORTHWEST BANCSHARES, INC. Files SEC form 8-K, Results of Operations and Financial Condition Jan 23 2017
Northwest Bancshares, Inc. Announces Record Fourth Quarter 2016 Earnings and Quarterly Dividend... Jan 23 2017
ETFs with exposure to Northwest Bancshares, Inc. (Pennsylvania) : January 17, 2017 Jan 17 2017
Northwest Bancshares, Inc. (Pennsylvania) breached its 50 day moving average in a Bearish Manner :... Jan 13 2017
NORTHWEST BANCSHARES, INC. Files SEC form 8-K, Other Events Jan 12 2017
Northwest selling 3 Baltimore branches, exits Maryland Jan 11 2017
Shore United Bank Expands Maryland Operations with Acquisition of Three Branches in the Greater... Jan 10 2017
Northwest Bancshares, Inc. (Pennsylvania) : NWBI-US: Dividend Analysis : November 03rd, 2016 (record... Dec 30 2016
Northwest Bank wants to open two more branches in Erie County Dec 23 2016
Northwest Bancshares downgraded by Sandler O'Neill Dec 19 2016
ETFs with exposure to Northwest Bancshares, Inc. (Pennsylvania) : December 13, 2016 Dec 13 2016
Hedge Funds Are Betting On Northwest Bancshares, Inc. (NWBI) Dec 12 2016
ETFs with exposure to Northwest Bancshares, Inc. (Pennsylvania) : November 30, 2016 Nov 30 2016
Here is What Hedge Funds Think About Childrens Place Inc (PLCE) Nov 30 2016
ETFs with exposure to Northwest Bancshares, Inc. (Pennsylvania) : November 18, 2016 Nov 18 2016

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