NWBI

Based on Northwest Bancshares, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Northwest Bancshares do?

Northwest Bancshares is the holding company for Northwest Bank, a state-chartered savings bank. It accepts deposits, extends residential and commercial real estate loans, offers consumer lending products, and provides investment management and trust services across roughly 170 community-banking locations in Pennsylvania, Western New York, Eastern Ohio, and Indiana.

Does NWBI pay dividends?

Yes, Northwest Bancshares pays a regular dividend. This is consistent with its profile as a mature community bank with a long operating history. Investors focused on income may find the dividend relevant, though the bank's overall risk profile should be weighed alongside any yield consideration.

When does NWBI report earnings?

Northwest Bancshares reports earnings quarterly, in line with standard practice for US-listed bank holding companies. For exact release dates and the most recent results, check the investor relations section of the company's official website.

Is NWBI a good stock to buy?

UQS Score rates NWBI as Below Average overall. While the Valuation pillar is Attractive and Quality and Growth are Neutral, the Moat and Risk pillars are both Weak. Whether that profile suits a given investor depends on their tolerance for risk and their view on community bank fundamentals. The full pillar breakdown is available to Pro members.

Is NWBI overvalued?

Based on the UQS Valuation pillar, NWBI is rated Attractive — meaning the stock does not appear to be priced at a premium relative to its fundamentals. However, an attractive valuation alone does not offset the concerns reflected in the Weak Moat and Risk pillars. Full valuation metrics are available in the Pro view.

How does NWBI compare to its competitors?

NWBI competes with regional peers such as Columbia Financial (CLBK), Stellar Bancgroup (STEL), and First Commonwealth Financial (FCF). First Commonwealth is among the most direct geographic competitors, overlapping in Pennsylvania and Ohio. UQS Score compares these institutions across all five quality pillars — see the competitor section for side-by-side ratings.

What is NWBI's market cap bracket?

Northwest Bancshares is classified as a small-cap stock. This places it in a tier where liquidity and analyst coverage can be more limited than large-cap peers, and where the stock may be more sensitive to regional economic conditions and credit cycles.

Who founded Northwest Bancshares?

Northwest Bank traces its origins to 1896, giving the institution a history spanning more than 125 years. Detailed founding history and leadership background are publicly available through the company's official website and investor relations materials.

Is NWBI a long-term quality investment?

As a long-term quality indicator, NWBI's Below Average UQS Score reflects concerns that matter over time — particularly the Weak Moat and Weak Risk ratings. A durable competitive advantage and manageable risk profile are typically key ingredients for long-term compounding. The Attractive Valuation may offer a margin of safety, but does not resolve the structural concerns.

What is the main competitive advantage of Northwest Bancshares?

Northwest Bank's primary competitive positioning rests on its deep community presence across four states and its long-standing customer relationships built over more than a century. However, the UQS Moat pillar rates this advantage as Weak, suggesting the bank faces meaningful competitive pressure from larger regional and national institutions.

What sector does NWBI belong to?

NWBI belongs to the Financial Services sector, specifically the community and regional banking industry. Banks in this segment generate revenue primarily through the spread between deposit costs and loan yields, and are sensitive to interest rate movements and local economic conditions.

Northwest Bancshares, Inc. has average quality metrics, with room for improvement in margins or capital efficiency.

Northwest Bancshares, Inc. shows steady but unspectacular growth, typical for mature companies.

Northwest Bancshares, Inc. has some risk factors including moderate leverage or solvency concerns.

Northwest Bancshares, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.

Northwest Bancshares, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for NWBI.

The UQS (Unified Quality Score) for Northwest Bancshares, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Northwest Bancshares, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Northwest Bancshares, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.