NWBINorthwest Bancshares, Inc.(NWBI)Stock Analysis

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13F Pro Quality Score

Not in ranked universe

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% YoY
$126.0MFY 2025
FY20 $74.9MFY21 $154.3MFY22 $133.7MFY25 $126.0M

EPS (Diluted)

-12.4% YoY
$0.92FY 2025
FY20 $0.62FY21 $1.21FY22 $1.05FY25 $0.92

Total Assets

+18.8% YoY
$16.77BFY 2025
FY20 $13.81BFY21 $14.50BFY22 $14.11BFY25 $16.77B

Total Debt

FY 2025
FY20 $283.0MFY21 $139.1MFY22 $681.2MFY25

Op. Cash Flow

-12.5% YoY
$153.4MFY 2025
FY20 $140.4MFY21 $205.5MFY22 $175.4MFY25 $153.4M

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:

SEC EDGAR filings (10-K, 10-Q, 8-K)
XBRL financial facts (revenue, EPS, margins)
Insider transactions (Form 4)
Institutional 13F holdings
Quality rankings (32 signals)
AI analyst debates & daily meetings
Historical financial trends
Peer comparison & sector analysis

Top Institutional Holders of NWBI

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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.