NWBI
Northwest Bancshares·NASDAQ
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NWBI fundamentals
Northwest Bancshares (NWBI) released its earnings on Jan 26, 2026: revenue was 179.94M (YoY +16.65%), beat estimates; EPS was 0.33 (YoY +53.20%), beat estimates.
Revenue / YoY
179.94M
+16.65%
EPS / YoY
0.33
+53.20%
Report date
Jan 26, 2026
NWBI Earnings Call Summary for Q4,2025
- Record Performance: 2025 revenue of $655 million, driven by a $1.2 billion acquisition and 26% C&I loan growth. Q4 EPS of $0.33 (adjusted) reflects strong margin expansion and cost control.
- Strategic Expansion: New financial centers in Indianapolis and Columbus, with SBA originations ranked top 50 nationally. 2026 guidance targets $710-730 million revenue and low 3.70s NIM.
- Credit Strength: Net charge-offs at 25 bps (annualized), classified loans down 22% YoY. Proactive management of CD portfolio to reduce costs as 43% of CDs mature in Q1 2026.
- Cost Efficiency: 100% merger cost savings achieved by Q1 2026, with efficiency ratio improving to 59.5% in Q4.
- SBA Momentum: Top 40 SBA originator with disciplined growth strategy, balancing balance sheet retention and fee income generation.
EPS
Actual | 0.07 | 0.0142 | 0.32 | 0.3211 | 0.32 | 0.24 | 0.27 | 0.24 | 0.22 | 0.26 | 0.29 | 0.3 | 0.28 | 0.27 | 0.31 | 0.24 | 0.23 | 0.27 | 0.26 | 0.2154 | 0.35 | 0.3 | 0.29 | 0.33 | ||||||||
Forecast | 0.168 | 0.068 | 0.25 | 0.265 | 0.2783 | 0.2714 | 0.2171 | 0.2157 | 0.2014 | 0.2183 | 0.2867 | 0.3133 | 0.2667 | 0.26 | 0.2433 | 0.24 | 0.2283 | 0.2217 | 0.2587 | 0.2533 | 0.2433 | 0.28 | 0.2983 | 0.31 | ||||||||
Surprise | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -58.33% | -79.12% | +28.00% | +21.17% | +14.98% | -11.57% | +24.37% | +11.27% | +9.24% | +19.10% | +1.15% | -4.25% | +4.99% | +3.85% | +27.41% | 0.00% | +0.74% | +21.79% | +0.50% | -14.96% | +43.86% | +7.14% | -2.78% | +6.45% |
Revenue
Actual | -- | -- | -- | -- | -- | -- | -- | -- | 115.20M | 133.57M | 140.20M | 135.01M | 132.41M | 125.11M | 127.61M | 123.70M | 116.36M | 130.71M | 139.55M | 144.90M | 136.43M | 138.35M | 139.26M | 135.47M | 131.20M | 137.41M | 139.13M | 154.26M | 156.17M | 150.38M | 168.17M | 179.94M |
Forecast | -- | -- | -- | -- | -- | -- | -- | -- | 115.42M | 126.27M | 136.26M | 139.01M | 135.90M | 131.02M | 126.70M | 127.34M | 123.73M | 122.61M | 136.79M | 141.88M | 142.83M | 136.07M | 134.20M | 133.78M | 132.60M | 132.91M | 140.07M | 141.52M | 142.15M | 148.67M | 165.96M | 174.15M |
Surprise | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.18% | +5.78% | +2.90% | -2.87% | -2.57% | -4.51% | +0.71% | -2.86% | -5.95% | +6.61% | +2.02% | +2.13% | -4.48% | +1.67% | +3.77% | +1.26% | -1.05% | +3.38% | -0.67% | +9.00% | +9.86% | +1.15% | +1.33% | +3.32% |
Earnings Call
You can ask Aime
Did Northwest Bancshares beat or miss consensus estimates last quarter?What is the market's earnings forecast for Northwest Bancshares next quarter?What is Northwest Bancshares's gross profit margin?What factors drove the changes in Northwest Bancshares's revenue and profit?What guidance did Northwest Bancshares's management provide for the next earnings period?What were the key takeaways from Northwest Bancshares’s earnings call?What does Northwest Bancshares do and what are its main business segments?What were the key takeaways from Northwest Bancshares's earnings call?
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