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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 0.70
NWBI's Cash-to-Debt is ranked lower than
53% of the 1613 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.09 vs. NWBI: 0.70 )
Ranked among companies with meaningful Cash-to-Debt only.
NWBI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.38 Max: No Debt
Current: 0.7
Equity-to-Asset 0.13
NWBI's Equity-to-Asset is ranked higher than
68% of the 1580 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
Debt-to-Equity 0.19
NWBI's Debt-to-Equity is ranked higher than
80% of the 1244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.63 vs. NWBI: 0.19 )
Ranked among companies with meaningful Debt-to-Equity only.
NWBI' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.19  Med: 0.93 Max: 1.92
Current: 0.19
0.19
1.92
Interest Coverage 4.49
NWBI's Interest Coverage is ranked higher than
58% of the 1539 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.74 vs. NWBI: 4.49 )
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: 4.49
Current: 4.49
0.29
4.49
Beneish M-Score: -2.23
WACC vs ROIC
5.48%
6.93%
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 : 5/10

vs
industry
vs
history
Operating Margin % 29.45
NWBI's Operating Margin % is ranked lower than
80% of the 1618 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.66 vs. NWBI: 29.45 )
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: 29.45
Current: 29.45
14.06
29.45
Net Margin % 20.28
NWBI's Net Margin % is ranked lower than
81% of the 1619 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.82 vs. NWBI: 20.28 )
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: 20.28
11.58
21.53
ROE % 7.45
NWBI's ROE % is ranked lower than
79% of the 1619 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.56 vs. NWBI: 7.45 )
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: 7.45
3.38
8.07
ROA % 0.92
NWBI's ROA % is ranked lower than
73% of the 1624 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.91 vs. NWBI: 0.92 )
Ranked among companies with meaningful ROA % only.
NWBI' s ROA % Range Over the Past 10 Years
Min: 0.44  Med: 0.73 Max: 0.92
Current: 0.92
0.44
0.92
3-Year Revenue Growth Rate 3.90
NWBI's 3-Year Revenue Growth Rate is ranked lower than
52% of the 1364 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 -8.10
NWBI's 3-Year EBITDA Growth Rate is ranked lower than
84% of the 1281 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.90 vs. NWBI: -8.10 )
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: -11.2  Med: 8.6 Max: 28.6
Current: -8.1
-11.2
28.6
3-Year EPS without NRI Growth Rate -12.40
NWBI's 3-Year EPS without NRI Growth Rate is ranked lower than
87% of the 1241 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 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 3 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 30-Y Financials

Financials (Next Earnings Date: 2017-10-24 Est.)


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

» Details

Guru Trades

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
Q1 2017

NWBI Guru Trades in Q1 2017

Jim Simons 2,068,400 sh (+5.17%)
Jeremy Grantham Sold Out
Paul Tudor Jones 21,300 sh (-54.74%)
» More
Q2 2017

NWBI Guru Trades in Q2 2017

Jim Simons 2,644,554 sh (+27.86%)
Paul Tudor Jones Sold Out
» 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    NAICS: 522120    SIC: 6021
Compare:NYSE:PFS, NAS:BOFI, NYSE:FBC, NAS:CFFN, NYSE:AF, NAS:KRNY, NAS:EBSB, NAS:UBNK, NAS:LOB, NAS:OCFC, NAS:FFIC, NAS:DCOM, NAS:CASH, NAS:HMST, NAS:HONE, NAS:WSBF, NAS:WAFD, NAS:FDEF, NAS:UCFC, NAS:BKMU » details
Traded in other countries:NHS.Germany,
Headquarter Location:USA
Northwest Bancshares Inc is a stock savings bank and community-oriented financial institution. It operates banks in Pennsylvania, New York, Ohio and Maryland offering personal and business deposit and loan products.

Northwest Bancshares is a stockholding company for Northwest Bank. Northwest Bank is a stock savings bank and community-oriented financial institution offering personal and banking business solutions, investment managements, and trust services and insurance products. It also offers consumer finance loans through a wholly owned subsidiary. The bank's loan portfolio segment consists of personal banking and business banking loans. Personal banking includes residential mortgages, home equity loans, and other consumer loans. Business banking loans consist of commercial real estate loans and commercial loans. Net interest income is the company's primary contributor to revenue.

Top Ranked Articles about Northwest Bancshares Inc

Northwest Bank Completes Sale of Maryland Offices

Ratios

vs
industry
vs
history
PE Ratio 19.49
NWBI's PE Ratio is ranked lower than
91% of the 1505 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.59 vs. NWBI: 19.49 )
Ranked among companies with meaningful PE Ratio only.
NWBI' s PE Ratio Range Over the Past 10 Years
Min: 13.92  Med: 20.93 Max: 44.8
Current: 19.49
13.92
44.8
Forward PE Ratio 17.39
NWBI's Forward PE Ratio is ranked lower than
62% of the 382 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.05 vs. NWBI: 17.39 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 19.49
NWBI's PE Ratio without NRI is ranked lower than
91% of the 1504 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.62 vs. NWBI: 19.49 )
Ranked among companies with meaningful PE Ratio without NRI only.
NWBI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 14.05  Med: 20.93 Max: 44.8
Current: 19.49
14.05
44.8
Price-to-Owner-Earnings 13.96
NWBI's Price-to-Owner-Earnings is ranked lower than
68% of the 881 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.23 vs. NWBI: 13.96 )
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: 20 Max: 2021.67
Current: 13.96
8.36
2021.67
PB Ratio 1.40
NWBI's PB Ratio is ranked lower than
59% of the 1581 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. NWBI: 1.40 )
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: 1.4
0.87
2.41
PS Ratio 3.97
NWBI's PS Ratio is ranked lower than
59% of the 1567 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.43 vs. NWBI: 3.97 )
Ranked among companies with meaningful PS Ratio only.
NWBI' s PS Ratio Range Over the Past 10 Years
Min: 2.51  Med: 3.93 Max: 6.57
Current: 3.97
2.51
6.57
Price-to-Free-Cash-Flow 10.16
NWBI's Price-to-Free-Cash-Flow is ranked higher than
52% of the 856 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.60 vs. NWBI: 10.16 )
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: 7.88  Med: 14.57 Max: 163.57
Current: 10.16
7.88
163.57
Price-to-Operating-Cash-Flow 9.61
NWBI's Price-to-Operating-Cash-Flow is ranked higher than
52% of the 931 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.46 vs. NWBI: 9.61 )
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: 7.44  Med: 12.44 Max: 53.76
Current: 9.61
7.44
53.76
EV-to-EBIT 13.80
NWBI's EV-to-EBIT is ranked lower than
71% of the 1241 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.20 vs. NWBI: 13.80 )
Ranked among companies with meaningful EV-to-EBIT only.
NWBI' s EV-to-EBIT Range Over the Past 10 Years
Min: 12.9  Med: 21.3 Max: 39.2
Current: 13.8
12.9
39.2
EV-to-EBITDA 12.14
NWBI's EV-to-EBITDA is ranked lower than
65% of the 1244 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.98 vs. NWBI: 12.14 )
Ranked among companies with meaningful EV-to-EBITDA only.
NWBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 11.3  Med: 19 Max: 32.7
Current: 12.14
11.3
32.7
EV-to-Revenue 4.14
NWBI's EV-to-Revenue is ranked higher than
56% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.86 vs. NWBI: 4.14 )
Ranked among companies with meaningful EV-to-Revenue only.
NWBI' s EV-to-Revenue Range Over the Past 10 Years
Min: 3.5  Med: 5.6 Max: 8.6
Current: 4.14
3.5
8.6
Shiller PE Ratio 26.61
NWBI's Shiller PE Ratio is ranked lower than
63% of the 501 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.54 vs. NWBI: 26.61 )
Ranked among companies with meaningful Shiller PE Ratio only.
NWBI' s Shiller PE Ratio Range Over the Past 10 Years
Min: 13.73  Med: 24.41 Max: 34.86
Current: 26.61
13.73
34.86

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.81
NWBI's Dividend Yield % is ranked higher than
72% of the 2354 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.88 vs. NWBI: 3.81 )
Ranked among companies with meaningful Dividend Yield % only.
NWBI' s Dividend Yield % Range Over the Past 10 Years
Min: 2.27  Med: 3.67 Max: 6.49
Current: 3.81
2.27
6.49
Dividend Payout Ratio 0.72
NWBI's Dividend Payout Ratio is ranked higher than
53% of the 1340 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.32 vs. NWBI: 0.72 )
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: 0.72
0.52
1.3
3-Year Dividend Growth Rate 16.40
NWBI's 3-Year Dividend Growth Rate is ranked higher than
74% of the 794 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 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: 36.4
Current: 16.4
-2.3
36.4
Forward Dividend Yield % 3.87
NWBI's Forward Dividend Yield % is ranked higher than
74% of the 2231 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.85 vs. NWBI: 3.87 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.87
NWBI's 5-Year Yield-on-Cost % is ranked higher than
71% of the 2778 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.98 vs. NWBI: 4.87 )
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: 4.73 Max: 8.36
Current: 4.87
2.92
8.36
3-Year Average Share Buyback Ratio -2.60
NWBI's 3-Year Average Share Buyback Ratio is ranked lower than
54% of the 1065 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 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: -0.4 Max: 5.4
Current: -2.6
-2.8
5.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.96
NWBI's Price-to-Tangible-Book is ranked lower than
74% of the 1573 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.29 vs. NWBI: 1.96 )
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: 2.05 Max: 4.13
Current: 1.96
1.09
4.13
Price-to-Intrinsic-Value-Projected-FCF 0.87
NWBI's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
53% of the 896 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.79 vs. NWBI: 0.87 )
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: 0.62  Med: 0.94 Max: 2.04
Current: 0.87
0.62
2.04
Price-to-Median-PS-Value 1.00
NWBI's Price-to-Median-PS-Value is ranked higher than
69% of the 1527 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. NWBI: 1.00 )
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: 0.7  Med: 1.07 Max: 3.81
Current: 1
0.7
3.81
Price-to-Graham-Number 1.30
NWBI's Price-to-Graham-Number is ranked lower than
90% of the 1414 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.95 vs. NWBI: 1.30 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NWBI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.72  Med: 1.4 Max: 2.69
Current: 1.3
0.72
2.69
Earnings Yield (Greenblatt) % 7.19
NWBI's Earnings Yield (Greenblatt) % is ranked lower than
55% of the 1625 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.91 vs. NWBI: 7.19 )
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: 7.8
Current: 7.19
2.5
7.8
Forward Rate of Return (Yacktman) % 4.40
NWBI's Forward Rate of Return (Yacktman) % is ranked lower than
73% of the 934 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.21 vs. NWBI: 4.40 )
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: 1.9  Med: 10.75 Max: 19.2
Current: 4.4
1.9
19.2

More Statistics

Revenue (TTM) (Mil) $431.02
EPS (TTM) $ 0.85
Beta0.65
Short Percentage of Float6.67%
52-Week Range $14.95 - 19.10
Shares Outstanding (Mil)102.49

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 443 437
EPS ($) 0.90 0.95
EPS without NRI ($) 0.90 0.95
EPS Growth Rate
(Future 3Y To 5Y Estimate)
10.00%
Dividends per Share ($) 0.64 0.68
» More Articles for NWBI

Headlines

Articles On GuruFocus.com
Northwest Bank Completes Sale of Maryland Offices May 22 2017 
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
Is It Too Late To Buy Northwest Bancshares Inc (NWBI)? Sep 19 2017
See what the IHS Markit Score report has to say about Northwest Bancshares Inc. Sep 15 2017
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Northwest Bancshares, Inc. (Pennsylvania) : NWBI-US: Dividend Analysis : August 03rd, 2017 (record... Aug 31 2017
ETFs with exposure to Northwest Bancshares, Inc. (Pennsylvania) : August 28, 2017 Aug 28 2017
Northwest Bancshares, Inc. (Pennsylvania) :NWBI-US: Earnings Analysis: Q2, 2017 By the Numbers :... Aug 21 2017
Northwest Bancshares, Inc. (Pennsylvania) breached its 50 day moving average in a Bearish Manner :... Aug 11 2017
Northwest Bancshares, Inc. (Pennsylvania) breached its 50 day moving average in a Bullish Manner :... Jul 25 2017
Northwest Bancshares, Inc. Announces Second Quarter 2017 Earnings and Quarterly Dividend Jul 24 2017
Northwest Bancshares, Inc. (Pennsylvania) – Value Analysis (NASDAQ:NWBI) : July 5, 2017 Jul 05 2017
Northwest Bancshares, Inc. (Pennsylvania) breached its 50 day moving average in a Bullish Manner :... Jun 12 2017
ETFs with exposure to Northwest Bancshares, Inc. (Pennsylvania) : June 6, 2017 Jun 06 2017
Northwest Bank Completes Sale of Maryland Offices May 22 2017
Northwest Bancshares, Inc. (Pennsylvania) :NWBI-US: Earnings Analysis: Q1, 2017 By the Numbers : May... May 18 2017
Northwest Bancshares, Inc. (Pennsylvania) : NWBI-US: Dividend Analysis : May 04th, 2017 (record... May 02 2017

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