NASDAQ$NWBI

Northwest Bancshares Inc · Q2 2023 earnings

Q2 2023 earnings · · Investor relations

Briefing

Announced second quarter 2023 earnings and quarterly dividend.

Northwest Bancshares reported net income of $33.0 million, or $0.26 per diluted share, for the quarter ended June 30, 2023. This represents a slight decrease of $382,000, or 1.1%, compared to the same quarter last year.

  • Net income for the quarter ended June 30, 2023 was $33.0 million, or $0.26 per diluted share.
  • Commercial loans have grown $416.9 million, or 42.2%, over the past year due to new commercial lending verticals.
  • Net interest income increased by $8.3 million, or 8.3%, to $108.5 million for the quarter ended June 30, 2023, from $100.3 million for the quarter ended June 30, 2022.
  • Classified loans decreased by $63.3 million, or 22.8%, to $214.1 million at June 30, 2023 from $277.4 million at June 30, 2022.

Headline financials

Total Revenue

$138M

Previous: $131M+5.8%
EPS (adj)

$0.26

Previous: $0.26+0.0%
Efficiency ratio

62.1%

No prior period
Annualized return on average equity

8.7%

No prior period
Annualized return on average assets

0.9%

No prior period
Free Cash Flow

$33M

Previous: $33.4M-1.1%
Net Income

$33M

Previous: $33.4M-1.1%
Operating Income

$86.6M

Previous: $121M-28.5%
Gross Profit

$124M

Previous: $130M-4.0%
Cash & Equivalents

$128M

Previous: $505M-74.7%
Total Assets

$14.3B

Previous: $14.2B+1.0%
Stock-Based Comp

$1.3M

Previous: $1.42M-8.6%

Revenue & EPS history

Northwest Bancshares · Revenue · Quarterly

$138M

Q2 2023+5.8%vs Q2 2022
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

We expect some additional net interest margin compression could continue for the remainder of the year.

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 Q2 2023

Historical avgQ2 2023

+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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