Northwest Bancshares Inc (NWBI) Fair Value & Analysis
Financial Services · US · Market cap $2.2B · ISIN US6673401039
What is Northwest Bancshares Inc really worth?
Northwest Bancshares Inc
NWBI · US
Below-average quality, and trading another 65% above our fair value of $9.39.
Strengths
Risks
For context
Fair value as of: Sep 3, 2026
From 6 valuation models · updated yesterday
Share price −3.1% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case ($11.74). The favourable scenario is already priced in.
- Solid but not exceptional quality (47/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 3, 2026.
How to read this chart
60‑month range $8.21 – $16.01 · fair‑value band $7.05 – $11.74 · the $15.51 price screens above the $9.39 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 3, 2026.
Analysis
Northwest Bancshares Inc (NWBI) currently trades at $15.51, while our model-based Fair Value estimate is $9.39, implying the stock looks roughly 65.1% overvalued today. The Quality Score stands at 47/100 (below-average quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of $11.20 per share, and 0 of the 6 models we run sit above the $15.51 price. Bear case: the Asset-Based group reads lowest at $8.66, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Northwest Bancshares Inc generated revenue of $622M at a net margin of 21.4%. Revenue grew 15.1% year over year. It earns a return on equity of 7.5%. Net debt stands at $213M. Fundamentals as of Sep 3, 2026
Our scenario range runs from $7.05 (bear case) to $11.74 (bull case); at $15.51, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 44% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at −39%, NWBI screens richer than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly $0.0815 per share, which is 0.9 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Multiples ($11.20) versus Asset-Based ($8.66). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Sep 3, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 39 · Market factors (momentum, volatility) 77
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Northwest Bancshares, Inc. operates as the bank holding company for Northwest Bank, a state-chartered savings bank that provides personal and commercial banking solutions in Pennsylvania, New York, Ohio, and Indiana in the United States.
Full company description
Northwest Bancshares, Inc. operates as the bank holding company for Northwest Bank, a state-chartered savings bank that provides personal and commercial banking solutions in Pennsylvania, New York, Ohio, and Indiana in the United States. The company accepts various deposits, including checking, savings, money market deposit, term certificate, and individual retirement accounts. It also offers loan products comprising one-to-four-family residential real estate loans, shorter-term consumer loans, and loans collateralized by multi-family residential and commercial real estate, as well as commercial business loans; residential mortgage loans; home equity loans and lines of credit; commercial real estate loans; commercial loans and financing solutions; and other consumer loans, including auto refinance loans, indirect automobile and recreational loans, unsecured personal loans, credit card loans, and loans secured by investment accounts. In addition, the company offers investment and cash management; estate and trust services; digital and online banking; certificates of deposit; credit cards; student and small business loans; private banking, planning, and investments; retirement plans; liquidity management for commercial checking and savings; treasury and wealth management; insurance; employee benefit plans; and financial planning services. It serves individuals, businesses, and charitable institutions. Northwest Bancshares, Inc. was founded in 1896 and is headquartered in Columbus, Ohio.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Northwest Bancshares Inc reported revenue of $877M in FY2025 versus $534M in FY2021, a compound +13.2%/yr. Reported net income was $126M in FY2025, compounding −4.9%/yr from FY2021.
of which total revenue +7.8 % · buybacks/dilution −3.6 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
NWBI screens 65% overvalued. Compare with DBS Group →
Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Northwest Bancshares, Inc. Announces Redemption of Subordinated Notes
- Northwest Bancshares (NWBI) is a Great Momentum Stock: Should You Buy?
- Northwest Bank Celebrates Grand Opening of First Financial Center in Central Ohio
- Northwest Bancshares Inc (NWBI) (Q2 2026) Earnings Call Highlights: Record Net Income and ...
Peer Group
Banks - Regional · 1071 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Insider activity: 66/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Sep 3, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | −46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.78 | €5.66 | −17% |
| HDFC Bank Limited HDB | $23.17 | $24.12 | +4% |
| BNP Paribas SA BNP | €102.56 | €144.64 | +41% |
| UniCredit S.p.A UCG | €84.71 | €77.62 | −8% |
| Mizuho Financial Group MFG | $10.74 | $9.69 | −10% |
| ICICI Bank Limited ICICIBANK | ₹1,443 | ₹835.21 | −42% |
| Oversea-Chinese Banking Corporation O39 | 31.07 SGD | 19.80 SGD | −36% |
| CaixaBank, S.A CABK | €13.52 | €8.85 | −35% |
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