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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#3221
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$1.8B
Louis J. Torchio
Northwest Bancshares, Inc. operates as a state-chartered savings bank that provides personal and business banking solutions. As of December 31, 2021, it operated 170 community-banking locations in Pennsylvania, Western New York, Eastern Ohio, and Indiana. The company also offers investment management and trust services.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = NWBI ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$NWBI Northwest Bancshares, Inc. | 42 | 30 | 22 | 46 | 16.7x | 12.9x | 6.1% | 0.7% | 0.0% | 21.0% | 16.2% | 16.7% | 6.6% | 783.0x | $1.8B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
Northwest Bancshares, Inc. (NWBI) receives a "Reduce" rating with a composite score of 42.3/100. It ranks #3221 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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In-line with peers — no strong momentum signal
Expensive relative to fundamentals — limited margin of safety
Weak fundamentals — higher risk of value trap
Low volatility — smoother ride and historically better risk-adjusted returns
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for NWBI.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 30 | 32 | -2NEUTRAL |
| MOMENTUM | 46 | 46 | 0NEUTRAL |
| VALUATION | 22 | 5 | +17ALPHA |
| INVESTMENT | 35 | 62 | -27DRAG |
| STABILITY | 71 | 80 | -9DRAG |
| SHORT INT | 31 | 21 | +10ALPHA |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 0.8% vs WACC 7.6% (spread -6.8%)
GM 0% vs sector 78%, OM 21% vs sector 18%
Capital turnover 0.58x
Rev growth 17%, 10yr history
Interest coverage 0.5x, Net debt/EBITDA 96.4x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate Northwest Bancshares, Inc. (NWBI) as a Reduce with a composite score of 42.3/100 at a current price of $12.64. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
Northwest Bancshares, Inc. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 42.3/100 places it at rank #3221 in our full universe.
No Moat
High
Poor
Fair Value
Stable competitive position in a defensive sector.
Leverage of 783% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
Northwest Bancshares, Inc. represents a reduce based on multi-factor quantitative performance.
Northwest Bancshares, Inc. receives a Reduce rating from our analysis, with a composite score of 42.3/100 and 2 out of 5 stars, ranking #3221 out of 7,333 stocks. NWBI's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
NWBI's quality score of 30/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 6.1% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 16.2% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
NWBI registers a value score of just 22/100, suggesting the stock trades at a significant premium to its fundamental metrics. Key valuation metrics include a P/E ratio of 16.66x, an EV/EBITDA of 12.86x, a P/B ratio of 1.02x. High-premium valuations like this require strong future execution to avoid multiple compression, and downside risk is elevated if growth disappoints.
Northwest Bancshares, Inc.'s investment score of 35/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 16.7% vs. a sector average of 10.7% and a return on assets of 0.7% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
NWBI is currently showing below-average momentum at 46/100, which may indicate weakening institutional interest or negative sentiment shifts. Revenue growth stands at 16.7% year-over-year, while a beta of 0.63 reflects its sensitivity to broader market moves. Investors should note that declining momentum can precede further price weakness, though contrarian opportunities sometimes emerge at these levels.
NWBI shows good financial stability with a score of 71/100. Key stability metrics include a beta of 0.63 and a debt-to-equity ratio of 783.00x (sector avg: 0.5x). This suggests manageable leverage and moderate price volatility, making it appropriate for investors seeking a balance between growth potential and capital preservation.
Northwest Bancshares, Inc.'s short interest score of 31/100 reveals significant bearish positioning, suggesting institutional investors are actively betting against the stock. Specific risk factors include elevated leverage (D/E: 783.00x), small-cap liquidity risk. At $1.8B (small-cap), NWBI carries meaningful risk and is best suited for investors with high risk tolerance who have thoroughly evaluated the bear thesis.
Northwest Bancshares, Inc. offers an attractive dividend yield of 6.6%, placing it among the higher-yielding stocks in its peer group. This compares to a sector average dividend yield of 2.0%. A yield this high can provide meaningful income, but investors should verify the payout is sustainable by examining the payout ratio, free cash flow coverage, and any history of dividend cuts.
Northwest Bancshares, Inc. is a small-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #3221 of 7,333 overall (56th percentile). Key comparisons include ROE of 6.1% trailing the 9.0% sector median and operating margins of 21.0% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While NWBI currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
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Improvement in Value (22) would have the largest impact on the composite score.
EV/EBITDA 66% ABOVE SECTOR MEDIAN
ROE 32% BELOW SECTOR MEDIAN
Gross Margin 100% BELOW SECTOR MEDIAN
As February 2026 begins, the U.S. stock market shows a robust start with major indices like the Dow Jones Industrial Average and S&P 500 posting significant gains. In this environment of renewed optimism, identifying stocks that may be trading below their estimated value can offer intriguing opportunities for investors looking to capitalize on potential growth amid favorable market conditions.
As February 2026 unfolds, the U.S. stock market has kicked off the month on a high note, with major indices like the Dow Jones Industrial Average and S&P 500 experiencing significant gains. Amidst this optimistic start, investors are keen to identify stocks that may be trading below their estimated value, particularly as economic indicators suggest potential shifts in trade dynamics and manufacturing activity. In such an environment, discerning investors often look for stocks with strong...
As February 2026 begins, the U.S. stock market is experiencing a strong start with major indices like the Dow Jones and S&P 500 posting significant gains, reflecting renewed investor optimism amid economic developments such as trade agreements and manufacturing growth. In this environment of rising indices, identifying stocks that might be trading below their estimated value can offer potential opportunities for investors seeking to capitalize on market inefficiencies.
Northwest Bancshares, Inc. and Penns Woods Bancorp, Inc. have received regulatory and shareholder approval for their merger, which is expected to be completed in late July 2025.
Although U.S. stocks closed mixed on Wednesday, there were a few notable insider trades. When insiders purchase shares, it indicates their confidence in the company's prospects or that they view the stock as a bargain. Either way, this signals an opportunity to go long on the stock. Insider purchases should not be taken as the only indicator for making an investment or trading decision. At best, it can lend conviction to a buying decision. Below is a look at a few recent notable insider purchases. For more, check out Benzinga's insider transactions platform. Northwest Bancshares The Trade: Northwest Bancshares, Inc. (NASDAQ: NWBI) EVP, Chief Information Officer Scott J Watson acquired a total of 5,000 shares an ...
Above 50MA
37.18%
Net New Highs
+51081