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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 : 5/10

vs
industry
vs
history
Cash to Debt 1.29
NWBI's Cash to Debt is ranked lower than
58% of the 1627 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.02 vs. NWBI: 1.29 )
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: No Debt
Current: 1.29
Equity to Asset 0.12
NWBI's Equity to Asset is ranked higher than
68% of the 1649 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 1.30
NWBI's Interest Coverage is ranked lower than
56% of the 1751 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.64 vs. NWBI: 1.30 )
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: 1.3
0.29
1.57
F-Score: 5
M-Score: -2.29
WACC vs ROIC
5.64%
2.25%
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 (%) 15.69
NWBI's Operating margin (%) is ranked lower than
81% of the 1672 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.82 vs. NWBI: 15.69 )
Ranked among companies with meaningful Operating margin (%) only.
NWBI' s Operating margin (%) Range Over the Past 10 Years
Min: 14.06  Med: 27.27 Max: 31.92
Current: 15.69
14.06
31.92
Net-margin (%) 10.94
NWBI's Net-margin (%) is ranked lower than
81% of the 1670 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.17 vs. NWBI: 10.94 )
Ranked among companies with meaningful Net-margin (%) only.
NWBI' s Net-margin (%) Range Over the Past 10 Years
Min: 10.94  Med: 19.55 Max: 23.06
Current: 10.94
10.94
23.06
ROE (%) 3.56
NWBI's ROE (%) is ranked lower than
81% of the 1670 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.38 vs. NWBI: 3.56 )
Ranked among companies with meaningful ROE (%) only.
NWBI' s ROE (%) Range Over the Past 10 Years
Min: 3.38  Med: 5.57 Max: 8.69
Current: 3.56
3.38
8.69
ROA (%) 0.45
NWBI's ROA (%) is ranked lower than
74% of the 1678 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. NWBI: 0.45 )
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: 0.45
0.44
0.84
Revenue Growth (3Y)(%) 0.90
NWBI's Revenue Growth (3Y)(%) is ranked lower than
61% of the 1368 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.20 vs. NWBI: 0.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NWBI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0.9  Med: 10.1 Max: 14.9
Current: 0.9
0.9
14.9
EBITDA Growth (3Y)(%) -0.80
NWBI's EBITDA Growth (3Y)(%) is ranked lower than
70% of the 1251 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. NWBI: -0.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NWBI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -11.2  Med: 8.6 Max: 28.6
Current: -0.8
-11.2
28.6
EPS Growth (3Y)(%) -1.50
NWBI's EPS Growth (3Y)(%) is ranked lower than
73% of the 1227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. NWBI: -1.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NWBI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -13.2  Med: 7.6 Max: 30.7
Current: -1.5
-13.2
30.7
» NWBI's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-01-25)


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

» Details

Guru Trades

Q4 2015

NWBI Guru Trades in Q4 2015

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

Industry: Banks » Savings & Cooperative Banks
Compare:NYSE:PFS, NYSE:AF, NYSE:FBC, NAS:BOFI, NAS:CFFN, NAS:KRNY, NYSE:BHLB, NAS:EBSB, NAS:UBNK, NAS:CASH, NAS:HMST, NAS:WAFD, NAS:FFIC, NAS:DCOM, NAS:HONE, NAS:OCFC, NAS:LOB, NAS:WSBF, NAS:FDEF, NAS:BKMU » 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
P/E(ttm) 44.25
NWBI's P/E(ttm) is ranked lower than
95% of the 2008 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.10 vs. NWBI: 44.25 )
Ranked among companies with meaningful P/E(ttm) only.
NWBI' s P/E(ttm) Range Over the Past 10 Years
Min: 12.96  Med: 20.52 Max: 44.8
Current: 44.25
12.96
44.8
Forward P/E 16.86
NWBI's Forward P/E is ranked lower than
80% of the 561 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.92 vs. NWBI: 16.86 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 44.25
NWBI's PE(NRI) is ranked lower than
94% of the 1604 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.85 vs. NWBI: 44.25 )
Ranked among companies with meaningful PE(NRI) only.
NWBI' s PE(NRI) Range Over the Past 10 Years
Min: 12.95  Med: 20.52 Max: 44.8
Current: 44.25
12.95
44.8
Price/Owner Earnings (ttm) 28.61
NWBI's Price/Owner Earnings (ttm) is ranked lower than
86% of the 909 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.74 vs. NWBI: 28.61 )
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: 19.37 Max: 2021.67
Current: 28.61
8.36
2021.67
P/B 1.64
NWBI's P/B is ranked lower than
76% of the 1990 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. NWBI: 1.64 )
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: 1.64
0.87
2.41
P/S 4.72
NWBI's P/S is ranked lower than
77% of the 2055 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.18 vs. NWBI: 4.72 )
Ranked among companies with meaningful P/S only.
NWBI' s P/S Range Over the Past 10 Years
Min: 2.51  Med: 3.94 Max: 6.53
Current: 4.72
2.51
6.53
PFCF 20.30
NWBI's PFCF is ranked lower than
77% of the 982 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.99 vs. NWBI: 20.30 )
Ranked among companies with meaningful PFCF only.
NWBI' s PFCF Range Over the Past 10 Years
Min: 7.88  Med: 15.47 Max: 165.94
Current: 20.3
7.88
165.94
POCF 16.75
NWBI's POCF is ranked lower than
77% of the 1130 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.66 vs. NWBI: 16.75 )
Ranked among companies with meaningful POCF only.
NWBI' s POCF Range Over the Past 10 Years
Min: 6.88  Med: 12.42 Max: 53.76
Current: 16.75
6.88
53.76
EV-to-EBIT 29.79
NWBI's EV-to-EBIT is ranked lower than
87% of the 1615 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.02 vs. NWBI: 29.79 )
Ranked among companies with meaningful EV-to-EBIT only.
NWBI' s EV-to-EBIT Range Over the Past 10 Years
Min: 13.1  Med: 20.9 Max: 39.2
Current: 29.79
13.1
39.2
EV-to-EBITDA 24.01
NWBI's EV-to-EBITDA is ranked lower than
85% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.08 vs. NWBI: 24.01 )
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: 24.01
11.5
32.7
PEG 16.59
NWBI's PEG is ranked lower than
96% of the 748 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.28 vs. NWBI: 16.59 )
Ranked among companies with meaningful PEG only.
NWBI' s PEG Range Over the Past 10 Years
Min: 1.49  Med: 4.03 Max: 166.74
Current: 16.59
1.49
166.74
Shiller P/E 31.40
NWBI's Shiller P/E is ranked lower than
78% of the 510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.87 vs. NWBI: 31.40 )
Ranked among companies with meaningful Shiller P/E only.
NWBI' s Shiller P/E Range Over the Past 10 Years
Min: 14.05  Med: 24.09 Max: 34.59
Current: 31.4
14.05
34.59

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.29
NWBI's Dividend Yield is ranked higher than
58% of the 2321 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.78 vs. NWBI: 3.29 )
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: 3.29
2.27
6.49
Dividend Payout 1.44
NWBI's Dividend Payout is ranked lower than
90% of the 1305 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. NWBI: 1.44 )
Ranked among companies with meaningful Dividend Payout only.
NWBI' s Dividend Payout Range Over the Past 10 Years
Min: 0.19  Med: 0.64 Max: 9.8
Current: 1.44
0.19
9.8
Dividend Growth (3y) -2.30
NWBI's Dividend Growth (3y) is ranked lower than
79% of the 738 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.90 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: 7.9 Max: 35.8
Current: -2.3
-2.3
35.8
Forward Dividend Yield 3.29
NWBI's Forward Dividend Yield is ranked higher than
55% of the 2260 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.95 vs. NWBI: 3.29 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.26
NWBI's Yield on cost (5-Year) is ranked higher than
60% of the 2628 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.46 vs. NWBI: 4.26 )
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: 2.94  Med: 4.61 Max: 8.4
Current: 4.26
2.94
8.4
3-Year Average Share Buyback Ratio -2.80
NWBI's 3-Year Average Share Buyback Ratio is ranked lower than
54% of the 1057 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. NWBI: -2.80 )
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: -2.8
-2.8
5.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.26
NWBI's Price/Tangible Book is ranked lower than
84% of the 2002 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. NWBI: 2.26 )
Ranked among companies with meaningful Price/Tangible Book only.
NWBI' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.09  Med: 2.26 Max: 4.13
Current: 2.26
1.09
4.13
Price/Projected FCF 0.96
NWBI's Price/Projected FCF is ranked lower than
65% of the 1125 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.77 vs. NWBI: 0.96 )
Ranked among companies with meaningful Price/Projected FCF only.
NWBI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.1  Med: 1.03 Max: 1.86
Current: 0.96
0.1
1.86
Price/Median PS Value 1.20
NWBI's Price/Median PS Value is ranked lower than
66% of the 1898 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. NWBI: 1.20 )
Ranked among companies with meaningful Price/Median PS Value only.
NWBI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.69  Med: 1.05 Max: 2.54
Current: 1.2
0.69
2.54
Price/Graham Number 2.11
NWBI's Price/Graham Number is ranked lower than
95% of the 1743 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.88 vs. NWBI: 2.11 )
Ranked among companies with meaningful Price/Graham Number only.
NWBI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.93  Med: 1.42 Max: 2.69
Current: 2.11
0.93
2.69
Earnings Yield (Greenblatt) (%) 3.31
NWBI's Earnings Yield (Greenblatt) (%) is ranked lower than
64% of the 2188 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.00 vs. NWBI: 3.31 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NWBI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.5  Med: 4.8 Max: 7.7
Current: 3.31
2.5
7.7
Forward Rate of Return (Yacktman) (%) 3.65
NWBI's Forward Rate of Return (Yacktman) (%) is ranked lower than
71% of the 879 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.55 vs. NWBI: 3.65 )
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: 9.2 Max: 19.2
Current: 3.65
1.8
19.2

More Statistics

Revenue (TTM) (Mil) $378.1
EPS (TTM) $ 0.41
Beta0.57
Short Percentage of Float7.95%
52-Week Range $11.78 - 18.44
Shares Outstanding (Mil)101.30

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $)
EPS ($) 0.88 1.08 1.13
EPS w/o NRI ($) 0.88 1.08 1.13
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
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