US · NWBI
Northwest Bancshares, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Columbus, OH 43219
- Website
- northwest.bank
Price · as of 2025-12-31
$13.94
Market cap 1.82B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $28.96 | +107.75% |
| Intrinsic Value(DCF) | $12.43 | -10.83% |
| Graham-Dodd Method(GD) | $2.91 | -79.1% |
| Graham Formula(GF) | $20.29 | +45.58% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $5.62 | $25.01 | $10.18 | $6.50 | $3.14 |
| 2012 | $5.87 | $22.60 | $11.06 | $4.45 | $2.13 |
| 2013 | $7.14 | $24.13 | $11.68 | $6.90 | $2.88 |
| 2014 | $6.57 | $19.55 | $10.37 | $0.00 | $4.47 |
| 2015 | $7.68 | $21.22 | $10.88 | $4.37 | $7.18 |
| 2016 | $10.51 | $27.14 | $10.69 | $2.10 | $9.41 |
| 2017 | $10.76 | $26.04 | $11.64 | $3.90 | $15.47 |
| 2018 | $11.46 | $24.42 | $11.83 | $4.20 | $8.21 |
| 2019 | $9.65 | $26.08 | $12.21 | $3.97 | $19.24 |
| 2020 | $11.19 | $30.16 | $8.88 | $1.11 | $10.66 |
| 2021 | $10.84 | $35.40 | $15.69 | $3.73 | $3.86 |
| 2022 | $10.46 | $21.27 | $11.87 | $2.02 | $12.96 |
| 2023 | $10.25 | $23.83 | $11.64 | $2.51 | $34.37 |
| 2024 | $11.39 | $24.91 | $11.81 | $1.49 | $12.32 |
| 2025 | $12.63 | $28.96 | $12.30 | $2.91 | $20.29 |
AI valuation
Our deep-learning model estimates Northwest Bancshares, Inc.'s (NWBI) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $28.96
- Current price
- $13.94
- AI upside
- +107.75%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$12.43
-10.83% upside
Graham-Dodd
$2.91
-79.1% upside
Graham Formula
$20.29
+45.58% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| NWBI | Northwest Bancshares, Inc… | $13.94 | 1.82B | +108% | -11% | -79% | +46% | 14.70 | 0.98 | 2.11 | 2.91 | 89.35 | 1.32 | 68.32% | 18.79% | 14.37% | 7.23% | 21.71% | 0.81% | 0.24 | 0.73 | 0.13 | 0.13 | 1.29 | 1646.00% | 1630.00% | -7470.00% | 1.71% | 0.00 | 5.46% | 5.93% | 87.20% | 5.93% | 2.91 | 15.11 | 0.55 | -0.65 |
| CCB | Coastal Financial Corpora… | $74.19 | 1.12B | +38% | +1,719% | -36% | -7% | 24.05 | 2.30 | 1.71 | 18.84 | — | 2.32 | 52.79% | 9.26% | 7.11% | 10.11% | 16.96% | 1.06% | 0.12 | 0.51 | 0.90 | 0.90 | 0.39 | -646.00% | 1467.00% | -10060.00% | -0.13% | 0.00 | -0.54% | 0.00% | 0.00% | 0.00% | 18.84 | -773.38 | 1.75 | 0.32 |
| CHCO | City Holding Company | $119.97 | 1.73B | -49% | -7% | -15% | +2% | 13.31 | 2.15 | 4.43 | 12.57 | 100.02 | 2.66 | 79.01% | 41.46% | 33.28% | 16.94% | 11.99% | 1.98% | 0.64 | 1.92 | 0.03 | 0.03 | 2.43 | 1331.00% | 562.00% | 169.00% | 7.56% | 0.04 | 11.99% | 0.00% | 0.00% | 0.00% | 13.24 | 16.39 | 5.49 | -0.03 |
| FCF | First Commonwealth Financ… | $17.53 | 1.82B | +87% | -19% | -46% | +53% | 10.88 | 1.10 | 2.22 | 3.33 | — | 1.52 | 64.16% | 25.47% | 20.38% | 10.49% | 20.39% | 1.24% | 0.24 | 0.80 | 0.13 | 0.13 | 1.14 | -974.00% | 1166.00% | -1150.00% | 7.35% | 0.01 | 16.30% | 3.39% | 36.90% | 31.80% | 3.44 | 5.38 | 0.88 | -0.56 |
| LKFN | Lakeland Financial Corpor… | $58.09 | 1.48B | +23% | -29% | -14% | -57% | 14.54 | 1.97 | 3.56 | 11.86 | 138.94 | 1.98 | 60.99% | 29.78% | 24.51% | 14.29% | 23.02% | 1.51% | 0.24 | 0.82 | 0.03 | 0.03 | 0.97 | 1047.00% | -193.00% | -4163.00% | 3.64% | 0.01 | 12.20% | 0.00% | 0.00% | 0.00% | 12.31 | 28.22 | 3.67 | -0.61 |
| NIC | Nicolet Bankshares, Inc. | $152.76 | 2.26B | -29% | -4% | -41% | -6% | 15.51 | 1.86 | 4.23 | 9.69 | 72.18 | 2.67 | 69.47% | 33.83% | 27.27% | 12.40% | 27.63% | 1.68% | 0.11 | 1.14 | 0.95 | 0.95 | -2.81 | 2149.00% | 639.00% | 2748.00% | 6.39% | 0.02 | 27.40% | 0.80% | 12.40% | 10.48% | 9.69 | 12.13 | 3.28 | 0.36 |
| OFG | OFG Bancorp | $40.08 | 1.73B | -17% | -11% | -17% | +40% | 9.22 | 1.36 | 2.19 | 5.02 | 149.93 | 1.46 | 71.24% | 30.84% | 23.78% | 15.51% | -144.61% | 1.71% | 0.42 | 1.54 | 0.12 | 0.11 | -1.61 | 615.00% | 484.00% | -543.00% | 10.55% | 0.02 | -123.70% | 2.74% | 25.30% | 23.00% | 5.38 | 7.17 | 1.66 | -0.56 |
| STBA | S&T Bancorp, Inc. | $41.81 | 1.6B | -9% | -13% | -40% | -28% | 12.34 | 1.13 | 2.91 | 11.44 | 466.07 | 1.52 | 69.43% | 29.54% | 23.61% | 9.44% | 12.62% | 1.37% | 0.18 | 1.01 | 0.03 | 0.00 | 1.58 | 265.00% | 63.00% | -2437.00% | 7.78% | 0.03 | 12.11% | 3.19% | 39.40% | 5.38% | 11.44 | 14.91 | 3.38 | -0.39 |
| STEL | Stellar Bancorp, Inc. | $37.66 | 1.93B | +27% | -9% | -14% | -80% | 19.06 | 1.18 | 3.29 | -2.28 | — | 1.78 | 69.31% | 21.43% | 17.25% | 6.28% | -20.51% | 0.95% | 0.02 | 0.74 | 0.02 | 0.42 | -2.97 | -744.00% | -467.00% | -2419.00% | 4.95% | 0.02 | -19.34% | 0.00% | 0.00% | 0.00% | -2.28 | -3.01 | -0.49 | -0.30 |
| SYBT | Stock Yards Bancorp, Inc. | $64.14 | 1.89B | -39% | +44% | -46% | +50% | 13.54 | 1.76 | 3.36 | 5.83 | 61.26 | 2.18 | 69.18% | 31.56% | 24.83% | 13.90% | 48.01% | 1.52% | 0.02 | 1.07 | 0.15 | 0.16 | -4.82 | 2211.00% | 1269.00% | -7091.00% | 2.04% | 0.01 | 13.25% | 1.95% | 26.50% | 69.23% | 5.83 | 26.84 | 1.84 | -0.26 |
| TCBK | TriCo Bancshares | $47.78 | 1.55B | +36% | -16% | +5% | -23% | 12.91 | 1.18 | 2.94 | -1.18 | 186.62 | 1.54 | 75.85% | 31.73% | 22.79% | 9.54% | 29.90% | 1.25% | 0.08 | 1.41 | 0.44 | 0.44 | -0.27 | 692.00% | 178.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 7.70% | -1.27 | — | -0.40 | 0.03 |
About Northwest Bancshares, Inc.
Northwest Bancshares, Inc. operates as the holding company for Northwest Bank, a state-chartered savings bank that provides personal and business banking solutions. The company accepts various deposits, including checking, savings, money market deposit, term certificate, and individual retirement accounts. It also offers loan products comprising one-to-four-family residential real estate loans and loans collateralized by multi-family residential and commercial real estate; commercial business loans; and consumer loans, including automobile loans, sales finance loans, unsecured personal loans, credit card loans, and loans secured by deposit accounts. The company also offers investment management and trust services. As of December 31, 2021, it operated 170 community-banking locations in Pennsylvania, Western New York, Eastern Ohio, and Indiana. Northwest Bancshares, Inc. was founded in 1896 and is headquartered in Columbus, Ohio.
- CEO
- Louis J. Torchio
- Employees
- 2K
- Beta
- 0.66
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($12.43 ÷ $13.94) − 1 = -10.83% (DCF, example).