Northwest Bancshares Inc (NWBI) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Northwest Bancshares Inc stock (NWBI) is currently trading at $12.51. Northwest Bancshares Inc PE ratio is 13.53. Northwest Bancshares Inc PS ratio (Price-to-Sales) is 3.04. Analyst consensus price target for NWBI is $13.86. WallStSmart rates NWBI as Moderate Buy.
- NWBI PE ratio analysis and historical PE chart
- NWBI PS ratio (Price-to-Sales) history and trend
- NWBI intrinsic value — DCF, Graham Number, EPV models
- NWBI stock price prediction 2025 2026 2027 2028 2029 2030
- NWBI fair value vs current price
- NWBI insider transactions and insider buying
- Is NWBI undervalued or overvalued?
- Northwest Bancshares Inc financial analysis — revenue, earnings, cash flow
- NWBI Piotroski F-Score and Altman Z-Score
- NWBI analyst price target and Smart Rating
Northwest Bancshares Inc
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NWBI Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Northwest Bancshares Inc (NWBI)
NWBI trades at a significant discount to its Graham intrinsic value of $27.31, offering a 52% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Northwest Bancshares Inc (NWBI) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Northwest Bancshares Inc (NWBI) Key Strengths (5)
Keeps $40 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Keeps $21 of every $100 in revenue as net profit
Strong revenue growth at 25.10% annually
69.35% held by institutions, strong professional interest
Supporting Valuation Data
Northwest Bancshares Inc (NWBI) Areas to Watch (5)
Low profitability relative to shareholder equity
Paying a premium for growth, expensive relative to earnings expansion
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 3.04x sales
Solid earnings growth at 14.30%
Northwest Bancshares Inc (NWBI) Detailed Analysis Report
Overall Assessment
This company scores 71/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.2/10) while 5 fall into concern territory (avg 4.8/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Profit Margin. Valuation metrics including Price/Book (0.94) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 39.90%, Profit Margin at 21.00%. Growth metrics are encouraging with Revenue Growth at 25.10%.
The Bear Case
The primary concerns are Return on Equity, PEG Ratio, Market Cap. Some valuation metrics including PEG Ratio (2.29), Price/Sales (3.04) suggest expensive pricing. Growth concerns include EPS Growth at 14.30%, which may limit upside. Profitability pressure is visible in Return on Equity at 7.23%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 7.23% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 25.10% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Book makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
NWBI Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
NWBI's Price-to-Sales ratio of 3.04x trades at a deep discount to its historical average of 6.16x (3th percentile). The current valuation is 74% below its historical high of 11.49x set in Nov 2006, and 3% above its historical low of 2.96x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Northwest Bancshares Inc (NWBI) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Northwest Bancshares Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 599M with 25% growth year-over-year. Profit margins are strong at 21.0%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 25% YoY, reaching 599M. This pace significantly outperforms most BANKS - REGIONAL peers.
Profit margin of 21.0% and operating margin of 39.9% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Growth sustainability: can Northwest Bancshares Inc maintain 25%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 6.4%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Northwest Bancshares Inc.
Bottom Line
Northwest Bancshares Inc offers an attractive blend of growth (25% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Northwest Bancshares Inc(NWBI)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Northwest Bancshares, Inc. is a Northwest Bank holding company offering a variety of personal and business banking solutions. The company is headquartered in Warren, Pennsylvania.