NASDAQ$NWBI

Northwest Bancshares Inc · Q4 2025 earnings

Q4 2025 earnings · · After market close · Investor relations

Briefing

NWBI reported Q4 2025, revenue of $180M, net income of $45.7M, diluted EPS of $0.31.

For Q4 2025, NWBI reported revenue of $180M, net income of $45.7M, diluted EPS was $0.31, adjusted diluted EPS was $0.33. Management discusses segment performance, capital allocation, and outlook in the earnings release.

  • Revenue $180M.
  • Net income $45.7M.
  • Diluted EPS $0.31.
  • Adjusted diluted EPS $0.33.

Headline financials

Total Revenue

$180M

Previous: $114M+57.6%
EPS (adj)

$0.33

Previous: $0.27+22.2%
Efficiency ratio

63.1%

Previous: 61.8%+2.1%
Annualized return on average equity

9.7%

Previous: 8.2%+18.3%
Annualized return on average assets

1.1%

Previous: 0.9%+20.9%
Tangible common equity to tangible assets

8.6%

Previous: 8.7%-0.1%
Book value per share

$12.94

Previous: $12.52+3.4%
Tangible book value per share

$9.63

Previous: $9.51+1.3%
Nonperforming loans to total loans

0.8%

Previous: 0.6%+48.2%
Nonperforming assets to total assets

0.6%

Previous: 0.5%+18.5%
Allowance for credit losses to total loans

1.1%

Previous: 1.0%+10.6%
Allowance for credit losses to nonperforming loans

139.2%

Previous: 188.2%-26.1%
Net charge-offs to average loans, annualized

0.4%

Previous: 0.9%-54.0%
Annualized return on average tangible common equity

13.1%

Previous: 10.8%+21.2%
Net interest margin (FTE)

3.7%

Previous: 3.4%+7.9%
Net Income

$45.7M

Previous: $32.8M+39.6%
Operating Income

$58.7M

Previous: $42.4M+38.5%

Revenue & EPS history

Northwest Bancshares · Revenue · Quarterly

$180M

Q4 2025+57.6%vs Q4 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

The release discusses NWBI's outlook for upcoming periods, including capital allocation, operating priorities, and market risks.

Tailwinds

  • NWBI cites operational execution and demand trends supporting the outlook.
  • Balance sheet and capital actions aim to fund growth and shareholder returns.

Headwinds

  • Macro, pricing, and input-cost volatility could pressure margins.
  • Segment mix and one-time items may affect quarter-to-quarter comparability.

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 Q4 2025

Historical avgQ4 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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