Northwest Bancshares Inc. Common Stock (NWBI)

FairStock Score: 59/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a regional bank differently from an industrial company: free cash flow, EV/EBITDA, Altman Z, and the Graham Number do not apply. Northwest Bancshares is a $2.2B-market-cap savings bank holding company operating in Pennsylvania, New York, Ohio, and Indiana. At the close on 2026-10-13, the price was $14.70, or 1.12 times book and 14.13 times earnings on FairStock's calculations. ROE is 8.57%, respectable but not exceptional for a bank, and the 5.44% dividend yield with a 0.69 beta gives it a defensive cast. The recent filed numbers are better: in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $53.5M and diluted EPS $0.36, versus $33.7M and $0.26 in fiscal Q2 2025, the quarter ended 2025-06-30. But consistency is the problem. Fiscal Q3 2025 had only $3.2M of net income and $0.02 EPS; FY2023, FY2024, and FY2025 net income was $135.0M, $100.3M, and $126.0M, with EPS of $1.06, $0.79, and $0.92. FairStock puts the Lynch category at STALWART for 11.0% annual profit growth over five years, but Piotroski is 4/9 and the FairStock score is 59/100. A PEG of 0.36 looks inexpensive, yet a bank's true risk is in CET1, net interest margin, and credit quality, none of which are in this data. So the price seems fair-to-cheap, but the quality is mixed and I would need the missing bank metrics before calling it a clear bargain.

In plain English: Northwest Bancshares is the parent of Northwest Bank, a regional bank serving Pennsylvania, New York, Ohio, and Indiana. It earns money from loans and deposits, pays a 5.44% dividend, and in the quarter ended 2026-06-30 made $53.5 million in profit, up from $33.7 million a year earlier, though profits have been uneven over the past few years. At $14.70, the shares look roughly fair to somewhat cheap compared with the company's book value and earnings, but the available data does not show key bank safety measures like capital ratios or loan quality.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer