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Upturn AI SWOT - About
NWBI 
Northwest Bancshares Inc (NWBI)
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Upturn Advisory Summary
04/01/2025: NWBI (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -3.21% | Avg. Invested days 35 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.54B USD | Price to earnings Ratio 15.25 | 1Y Target Price 13.88 |
Price to earnings Ratio 15.25 | 1Y Target Price 13.88 | ||
Volume (30-day avg) 714298 | Beta 0.61 | 52 Weeks Range 9.94 - 15.19 | Updated Date 04/1/2025 |
52 Weeks Range 9.94 - 15.19 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 6.66% | Basic EPS (TTM) 0.79 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.13% | Operating Margin (TTM) 35.39% |
Management Effectiveness
Return on Assets (TTM) 0.7% | Return on Equity (TTM) 6.37% |
Valuation
Trailing PE 15.25 | Forward PE 13.4 | Enterprise Value 1737044608 | Price to Sales(TTM) 3.08 |
Enterprise Value 1737044608 | Price to Sales(TTM) 3.08 | ||
Enterprise Value to Revenue 3.79 | Enterprise Value to EBITDA - | Shares Outstanding 127515000 | Shares Floating 126165750 |
Shares Outstanding 127515000 | Shares Floating 126165750 | ||
Percent Insiders 1.05 | Percent Institutions 70.77 |
Analyst Ratings
Rating 2.83 | Target Price 14.38 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 5 | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Northwest Bancshares Inc
Company Overview
History and Background
Northwest Bancshares, Inc. is the holding company for Northwest Bank. Founded in 1896, it has grown through organic expansion and acquisitions, providing financial services to communities across Pennsylvania, New York, Ohio, and Indiana.
Core Business Areas
- Community Banking: Provides traditional banking services including deposit accounts, loans, and other financial products to individuals, small businesses, and commercial clients.
- Wealth Management: Offers wealth management services including investment management, financial planning, and trust services.
- Insurance Services: Offers insurance brokerage services.
Leadership and Structure
Northwest Bancshares is led by its Board of Directors and Executive Management team. The organizational structure is typical of a bank holding company with regional divisions overseen by senior management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. Market share data not publicly available at a granular level. Competitors: PNC, KeyCorp, M&T Bank.
- Residential Mortgages: Loans for purchasing or refinancing homes. Market share data not publicly available at a granular level. Competitors: JPMorgan Chase, Wells Fargo, US Bank.
- Deposit Accounts: Checking, savings, and money market accounts. Market share data not publicly available at a granular level. Competitors: Bank of America, Citibank, local credit unions.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to economic cycles, regulatory changes, and technological advancements. Increased focus on digital banking and cybersecurity.
Positioning
Northwest Bancshares Inc. is a regional bank focused on community banking and wealth management, emphasizing customer service and local market knowledge. They compete with larger national banks and smaller community banks.
Total Addressable Market (TAM)
The TAM for banking services in Northwest's operating region is in the billions, encompassing loans, deposits, and wealth management. Northwest's position within this TAM is dependent on its market share within specific geographic areas and product categories.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Established customer relationships
- Diversified product offerings
- Conservative lending practices
- Experienced management team
Weaknesses
- Limited brand recognition compared to national banks
- Geographic concentration
- Dependence on interest rate spreads
- Smaller scale relative to major competitors
- Potential technology adoption lags
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Acquisitions of smaller banks
- Growing wealth management business
- Leveraging technology to improve efficiency
Threats
- Economic downturn
- Increased competition from online lenders
- Rising interest rates
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- PNC
- KEY
- MTB
- USB
Competitive Landscape
Northwest Bancshares' advantages include its strong regional presence and customer relationships. Disadvantages include its smaller scale and limited brand recognition compared to national banks.
Major Acquisitions
Lorain National Bank
- Year: 2015
- Acquisition Price (USD millions): 61
- Strategic Rationale: Expanded Northwest's presence into Northeast Ohio.
Growth Trajectory and Initiatives
Historical Growth: Northwest Bancshares has grown through a combination of organic growth and acquisitions, with growth rates varying depending on economic conditions and acquisition activity.
Future Projections: Future growth projections would rely on analyst estimates which are subject to change. Factors influencing growth include interest rate environment, loan demand, and expansion strategies.
Recent Initiatives: Recent initiatives might include investments in digital banking platforms, expansion into new markets, and cost-cutting measures.
Summary
Northwest Bancshares is a regional bank with a strong community focus, operating across several states. It benefits from established customer relationships and diversified product offerings but faces challenges due to its smaller size compared to national competitors and exposure to economic fluctuations. Strategic initiatives such as digital transformation and targeted acquisitions are vital for sustained growth. While the bank offers competitive products it must ensure adoption rates of new technologies keep up to the rate of change, so it does not lag competitors. Additionally, they should be aware of increasing cybersecurity threats that all financial institutions face.
Similar Companies
- WSFS
- FCNCA
- PBHC
- FFWM
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- FDIC Data
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Data is based on publicly available information and is subject to change. Market share data is estimated based on available resources and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Northwest Bancshares Inc
Exchange NASDAQ | Headquaters Columbus, OH, United States | ||
IPO Launch date 1994-11-08 | President, CEO & Director Mr. Louis J. Torchio | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1884 | Website https://www.northwest.bank |
Full time employees 1884 | Website https://www.northwest.bank | ||
Northwest Bancshares, Inc. operates as the bank holding company for Northwest Bank, a state-chartered savings bank that provides personal and business banking solutions 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; home equity loans and lines of credit; commercial real estate loans; commercial loans; and other consumer loans, including automobile loans, sales finance loans, unsecured personal loans, credit card loans, and loans secured by investment accounts, as well as investment management and trust services. Northwest Bancshares, Inc. was founded in 1896 and is headquartered in Columbus, Ohio.
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