NASDAQ$NWBI

Northwest Bancshares Inc · Q1 2025 earnings

Q1 2025 earnings · · After market close · Investor relations

Briefing

Northwest Bancshares reported Q1 2025, revenue of $127.8M, net income of $43.5M, diluted EPS of $0.34.

For Q1 2025, Northwest Bancshares reported Revenue was $127.8M, net income was $43.5M, diluted EPS was $0.34. Management discusses operating trends, liquidity, and sector risks in the quarterly filing.

  • Q1 2025 revenue $127.8M.
  • Net income $43.5M.
  • Diluted EPS $0.34.

Headline financials

Total Revenue

$156M

Previous: $131M+19.0%
EPS (adj)

$0.34

Previous: $0.23+47.8%
Efficiency ratio

58.7%

Previous: 68.6%-14.4%
Annualized return on average equity

10.9%

Previous: 7.6%+44.0%
Annualized return on average assets

1.2%

Previous: 0.8%+50.6%
Tangible common equity to tangible assets

8.8%

Previous: 8.3%+7.1%
Book value per share

$12.75

Previous: $12.20+4.5%
Tangible book value per share

$9.75

Previous: $9.17+6.3%
Nonperforming loans to total loans

0.5%

Previous: 0.8%-37.6%
Nonperforming assets to total assets

0.5%

Previous: 0.7%-22.4%
Allowance for credit losses to total loans

1.1%

Previous: 1.1%+0.0%
Allowance for credit losses to nonperforming loans

206.9%

Previous: 128.1%+61.5%
Net charge-offs to average loans, annualized

0.1%

Previous: 0.2%-50.0%
Capital Expenditures

-$1.82M

No prior period
Net Income

$43.5M

Previous: $29.2M+49.0%
Operating Income

$56.5M

Previous: $67.7M-16.5%

Revenue & EPS history

Northwest Bancshares · Revenue · Quarterly

$156M

Q1 2025+19%vs Q1 2024
Beat estimate in 12 of 15 quarters(80%)
ActualEstimate

Revenue by segment

Northwest Bancshares · $109M total across 6 segments · Q2 2020

  • Loans receivable
    $103M
  • Mortgage-backed securities
    $4.04M
  • Tax-free investment securities
    $564K
  • Taxable investment securities
    $439K
  • FHLB stock dividends
    $309K
  • Interest-earning deposits
    $185K

Forward guidance

Regional banks discuss net interest income, credit quality, and capital returns rather than long-range EPS targets in the 10-Q.

Tailwinds

  • Net interest income supported by balance-sheet mix.
  • Deposit stability and liquidity buffers.
  • Capital return capacity when earnings allow.

Headwinds

  • Net interest margin pressure from rate cuts.
  • Commercial real estate and consumer credit risk.
  • Regulatory capital and funding cost volatility.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2025

Historical avgQ1 2025

+0.4%

Avg return

Earnings day

+0.4%

Avg return

5 days after

+1.3%

Avg return

30 days after

50%

34 / 68 earnings

Positive

+6.3%

Q1 2020

Best reaction

-3.7%

Q3 2025

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+5.0%+3.3%+4.4%
Q4 2025+0.7%+1.7%+2.0%
Q3 2025-3.7%-6.4%-3.8%
Q1 2025+5.7%+6.5%+4.2%
Q4 2024+0.1%-1.7%-4.6%
Q3 2024-0.1%-1.3%+9.8%
Q2 2024+3.2%+7.1%-0.8%
Q1 2024-1.2%-2.8%+1.2%
Q4 2023+6.1%+7.0%-4.1%
Q3 2023+5.5%+6.2%+12.5%
Q2 2023+1.5%+5.5%-6.0%
Q1 2023-2.3%+2.0%-6.1%
Q4 2022-0.4%+0.7%+0.5%
Q3 2022+4.7%+8.1%+9.5%
Q2 2022+4.2%+10.0%+10.0%
Q1 2022-3.1%-4.4%-4.4%
Q4 2021+2.2%-1.8%-2.1%
Q3 2021+1.2%-2.1%+0.1%
Q2 2021-3.4%-1.1%-3.0%
Q1 2021+0.4%-0.7%-1.8%
Q4 2020-3.3%-8.0%+4.4%
Q3 2020-0.7%+0.9%+17.0%
Q2 2020-1.9%-0.8%+0.7%
Q1 2020+6.3%-1.1%+3.9%
Q4 2019-2.8%-2.7%-7.9%
Q3 2019+4.9%+2.7%+0.1%
Q2 2019-2.5%-2.0%-7.7%
Q1 2019+0.8%+0.3%+1.0%
Q4 2018-1.5%-2.7%+2.1%
Q3 2018-0.6%-1.7%+6.7%
Q2 2018+1.5%+0.8%+3.2%
Q1 2018+1.2%+2.1%+2.8%
Q4 2017+0.9%-0.1%-1.0%
Q3 2017-0.8%-2.3%-7.1%
Q2 2017+5.0%+3.9%+1.2%
Q1 2017-0.8%-4.7%-9.9%
Q4 2016+0.6%-1.5%+4.5%
Q3 2016+0.3%-0.4%+17.1%
Q2 2016-0.6%-1.1%+1.5%
Q1 2016+0.9%
Q4 2015+2.0%
Q3 2015+0.0%
Q2 2015-1.4%
Q1 2015+3.5%
Q4 2014+0.3%
Q3 2014-0.6%
Q2 2014-3.4%
Q1 2014-1.5%
Q4 2013-0.6%
Q3 2013+3.1%
Q2 2013-1.1%
Q1 2013+1.1%
Q4 2012+1.1%
Q3 2012+1.2%
Q2 2012+2.4%
Q1 2012+1.8%
Q3 2009-1.7%
Q4 2010-1.7%
Q4 2009-1.7%
Q2 2009-1.7%
Q1 2009-1.7%
Q4 2011-1.7%
Q3 2010-2.9%
Q3 2011-2.9%
Q2 2010+0.1%
Q2 2011+0.1%
Q1 2010-0.1%
Q1 2011-0.1%

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