Northwest Bancshares, Inc.(NWBI)Stock Analysis
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Pending next ranking run
This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
NWBI Stock Analysis & AI Quality Score
AI stock analysis and institutional research for Northwest Bancshares, Inc. (NWBI), a Financials sector company. NWBI is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), Northwest Bancshares, Inc. reports quarterly revenue of $175.1M, net income of $50.5M, an operating margin of 38.1%. Top institutional holders of NWBI by reported 13-F value include BlackRock,, DIMENSIONAL FUND ADVISORS, STATE STREET, based on the most recent SEC filings. NWBI trades on the Nasdaq exchange and files with the SEC under CIK 1471265. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate NWBI daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Northwest Bancshares, Inc. directly from SEC EDGAR.
Revenue
Q1 2026
$175.1M
Net Income
Q1 2026
$50.5M
Free Cash Flow
Q1 2026
$69.6M
Operating Margin
Q1 2026
38.1%
ROIC
Q1 2026
3.5%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
-5.7% YoYEPS (Diluted)
-12.4% YoYTotal Assets
+18.8% YoYTotal Debt
Op. Cash Flow
-12.5% YoY| Metric | FY 2025 | FY 2022 | FY 2021 | FY 2020 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|
| Net Income | $126.0M -5.7% | $133.7M -13.4% | $154.3M +106.2% | $74.9M | — | — |
| EPS (Diluted) | $0.92 -12.4% | $1.05 -13.2% | $1.21 +95.2% | $0.62 +26.5% | $0.49 -23.4% | $0.64 |
| Total Assets | $16.77B +18.8% | $14.11B -2.7% | $14.50B +5.0% | $13.81B +43.5% | $9.62B +7.5% | $8.95B |
| Total Debt | — | $681.2M +389.7% | $139.1M -50.9% | $283.0M | — | — |
| Operating Cash Flow | $153.4M -12.5% | $175.4M -14.6% | $205.5M +46.3% | $140.4M +3.5% | $135.7M +19.9% | $113.2M |
AI Insight: NWBI Financial Trends
Net income hit a multi-quarter high of $51M in Q1 2026 while equity steadily expanded to $1,904M, but a debt spike to $368M in Q3 2025 warrants scrutiny.
• Net income recovered sharply from $3M in Q3 2025 to $46M in Q4 2025 and $51M in Q1 2026, the highest in the observed period.
• Equity grew consistently from $1,557M in Q2 2024 to $1,904M in Q1 2026, a cumulative increase of $347M.
• Total debt fell from $242M in Q2 2024 to $197M in Q1 2025, then surged to $368M in Q3 2025 before data gaps obscure the trend.
• Operating cash flow is highly volatile, swinging from $108M in Q1 2025 to -$2M in Q2 2025 and only $6M in Q4 2025.
⚠ Total debt jumped $171M in Q3 2025 alone — the largest single-quarter increase observed; source and duration of this borrowing needs clarification.
⚠ Operating cash flow turned negative in Q2 2025 and was near zero in Q4 2025 despite solid net income — divergence signals earnings quality risk.
⚠ Debt figures are missing for Q4 2025 and Q1 2026; full leverage picture cannot be confirmed at the most recent period.
AI Insight: NWBI Ratio Trends
NWBI's Q1 2026 ROIC hit 14.0%, the highest in the dataset, signaling a meaningful profitability recovery after Q3 2025's one-off collapse.
• ROIC rebounded sharply from 0.6% in Q3 2025 to 14.0% in Q1 2026, the strongest reading across all periods shown.
• ROA improved from 0.1% in Q3 2025 to 1.2% in Q1 2026, matching the prior peak set in Q1 2025.
• D/E ratio declined from 0.16 in Q2 2024 to 0.12 by Q1–Q2 2025, indicating modest but steady deleveraging.
⚠ Q3 2025 saw ROE, ROA, and ROIC collapse to near zero (0.7%, 0.1%, 0.6%) — the nature of that one-off warrants scrutiny.
⚠ D/E spiked to 0.20 in Q3 2025 alongside the profitability drop, suggesting stress; subsequent quarters lack D/E data to confirm resolution.
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Available Research
13F Pro tracks comprehensive data for Northwest Bancshares, Inc. including:
Top Institutional Holders of NWBI
BlackRock, Inc.
$264.9M20,873,826 shDIMENSIONAL FUND ADVISORS LP
$114.7M9,035,232 shSTATE STREET CORP
$113.0M8,908,027 shVANGUARD PORTFOLIO MANAGEMENT LLC
$112.4M8,856,791 shVANGUARD CAPITAL MANAGEMENT LLC
$82.5M6,500,864 shFIRST TRUST ADVISORS LP
$53.8M4,238,376 shGEODE CAPITAL MANAGEMENT, LLC
$47.8M3,769,535 shVICTORY CAPITAL MANAGEMENT INC
$28.6M2,254,399 shCHARLES SCHWAB INVESTMENT MANAGEMENT INC
$24.4M1,924,904 shBank of New York Mellon Corp
$19.7M1,548,758 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $264.9M | 20,873,826 |
| DIMENSIONAL FUND ADVISORS LP | $114.7M | 9,035,232 |
| STATE STREET CORP | $113.0M | 8,908,027 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $112.4M | 8,856,791 |
| VANGUARD CAPITAL MANAGEMENT LLC | $82.5M | 6,500,864 |
| FIRST TRUST ADVISORS LP | $53.8M | 4,238,376 |
| GEODE CAPITAL MANAGEMENT, LLC | $47.8M | 3,769,535 |
| VICTORY CAPITAL MANAGEMENT INC | $28.6M | 2,254,399 |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $24.4M | 1,924,904 |
| Bank of New York Mellon Corp | $19.7M | 1,548,758 |
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Popular Research
Is NWBI a good stock to buy?
13F Pro's AI-powered analysis of Northwest Bancshares, Inc. (NWBI) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for NWBI are available on the NWBI stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own NWBI?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling NWBI. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Northwest Bancshares, Inc.'s investment landscape.