NWBI - NASDAQ
Northwest Bancshares, Inc.
$13.80
-1.2%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.
At a Glance
Live SnapshotNorthwest Bancshares, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Steady FCF growth indicates consistent cash generation improvement. On a positive trajectory.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
Northwest Bancshares, Inc. Cash Flow Statement
NWBI • NASDAQ
| Northwest Bancshares, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
126M | 100.3M | 135M | 133.7M | 154.3M | 74.9M | 110.4M | 105.5M | 94.5M | 49.7M | 60.5M | 62M | 66.6M | 63.4M | 64.2M | 57.5M | 32.7M | 48.2M | 49.1M | 51.5M | |
136K | 21.3M | 24.5M | 6.4M | 6.6M | 4.7M | 3.8M | 8.1M | 14.3M | 15.4M | 9M | 9.9M | 9M | 9.5M | 7.8M | 14.8M | 15.3M | 18.4M | 10.2M | 9.5M | |
-6.4M | 2.8M | -4.9M | -5.5M | 12.3M | -8.1M | 2.8M | -2.8M | 11.3M | 2.7M | 6.3M | 8.6M | 1.3M | 3.2M | 7.7M | 431K | -8.8M | -6.5M | 0.0 | 0.0 | |
6.1M | 6.1M | 4.6M | 4.1M | 4.7M | 4.2M | 6.8M | 7M | 4.9M | 10.9M | 5.6M | 5.7M | 5.1M | 4.6M | 6.7M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
46.2M | -8.8M | 29.8M | 50.7M | 1.3M | 33.8M | 15.7M | 28.6M | 12.2M | 27.4M | 12.9M | 18.1M | 33.4M | 16.5M | 49.7M | -8.2M | 77.1M | 9.3M | 15M | 9.4M | |
(40.6M) | (27.8M) | (48M) | (39.4M) | (33.6M) | (29.8M) | (29.3M) | (25.8M) | (32.3M) | (9.7M) | (16.7M) | (26M) | (22.9M) | (14.3M) | (23.9M) | (19.7M) | (20.8M) | (22.5M) | (0.0) | (0.0) | |
-18.6M | 6M | -96M | -14M | 26.2M | 30.9M | -12.1M | -7.6M | 14.6M | 29.6M | 19M | -13.6M | 14.9M | 29.9M | -17.4M | 5.8M | -37.7M | 2M | -10.7M | -6.6M | |
153.4M | 127.7M | 92.9M | 175.4M | 205.5M | 140.4M | 127.5M | 138.9M | 151.8M | 135.7M | 113.2M | 90.6M | 130.2M | 127.1M | 118.7M | 70.3M | 78.6M | 71.4M | 63.6M | 63.8M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-11.6M | -2.3M | -8.6M | -4.3M | -17.5M | -12.3M | -10.9M | -5.2M | -3.7M | -15.2M | -13.2M | -10M | -19.4M | -18.3M | -12.4M | -15.9M | -20.6M | -15.7M | -6.2M | -6.2M | |
(30.9M) | (0.0) | (0.0) | (0.0) | (28.2M) | (261.7M) | -28.8M | (0.0) | (0.0) | (1.1B) | -61.1M | -2.8M | (0.0) | -4.1M | (0.0) | (0.0) | (8.7M) | (0.0) | -25.2M | -2.6M | |
-495.7M | -437.5M | -23.5M | -315.1M | -1.4B | -995.1M | -200.2M | -228.2M | -241.9M | -238.7M | -60M | -50M | -235M | -508.6M | -237.1M | -782.6M | -222.9M | -489.6M | -49.1M | -483.4M | |
292.1M | 423M | 270.2M | 330.4M | 580.5M | 399.6M | 278.2M | 222.5M | 256.8M | 292.3M | 353.8M | 187.6M | 304.8M | 417.5M | 423.4M | 538.8M | 320.2M | 432.5M | 458.6M | 259.5M | |
57.1M | 191.8M | -477.9M | -928.5M | 539.8M | -214.5M | -338.9M | -271M | 0.0 | 10M | -308.3M | -192.8M | 0.0 | -160.1M | 0.0 | 0.0 | -153.1M | 0.0 | -255.1M | 265.1M | |
-127.4M | (175M) | -239.7M | -917.4M | -233M | -560.6M | -300.6M | -281.9M | -104M | (1.2B) | -88.8M | -68M | -76.2M | -273.4M | (111.5M) | -528.4M | -67.8M | -431.1M | (123M) | (32.4M) | |
FINANCING ACTIVITIES | ||||||||||||||||||||
930K | 2.5M | 630K | 0.0 | -23.9M | -9.3M | 0.0 | 0.0 | 7M | -1.8M | -7.8M | -5.3M | -4.5M | -52M | -172.7M | -23.6M | 647M | -3.3M | -40M | -7.2M | |
-147.9M | -198.6M | -282.3M | 532M | -20.7M | -192.4M | 11.9M | 126.2M | -34.7M | -856.6M | 15.6M | 6.5M | 21.6M | 32.1M | -63.4M | -6M | -175.6M | 729.2M | -65.8M | -125.8M | |
-109.9M | -101.9M | -101.7M | -101.5M | -100.3M | -93.1M | -76.2M | -69.9M | -65.2M | -60.2M | -52.8M | -149.9M | -45.9M | -56.9M | -43.6M | -43.3M | -15.8M | -15.8M | -15.7M | -13.7M | |
(0.0) | (0.0) | (0.0) | (0.0) | -23.9M | -9.3M | -21.7M | (0.0) | (0.0) | -1.8M | -7.8M | -5.3M | -4.5M | -52M | -172.7M | -23.6M | -11.7M | -3.3M | -40.8M | -8.1M | |
176.1M | 161.4M | 513M | -828.4M | 715.3M | 1.4B | 229.4M | 77.9M | -260M | -145.3M | -52.6M | -25M | -85.1M | -13.4M | 18.7M | 142.3M | 561.4M | -501.1M | 11.2M | 52.8M | |
-80.8M | -136.5M | 129.7M | -397.9M | 570.5M | 1.1B | 165.2M | 134.1M | -359.9M | -1.1B | -97.7M | -173.8M | -113.9M | -90.2M | -261M | 69.4M | 1B | 209M | -110.3M | -93.9M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-54.7M | 166.1M | -17.1M | -1.1B | 543M | 675.4M | -7.9M | -8.9M | -312.2M | 222.5M | -73.3M | -151.2M | -59.8M | -236.6M | -30.8M | -388.7M | 1B | -150.7M | 76.3M | 2.2M | |
288.4M | 122.3M | 139.4M | 1.3B | 736.3M | 60.8M | 68.8M | 77.7M | 389.9M | 167.4M | 240.7M | 391.9M | 451.7M | 688.3M | 719.1M | 1.1B | 79.9M | 230.6M | 154.3M | 152.1M | |
233.6M | 288.4M | 122.3M | 139.4M | 1.3B | 736.3M | 60.8M | 68.8M | 77.7M | 389.9M | 167.4M | 240.7M | 391.9M | 451.7M | 688.3M | 719.1M | 1.1B | 79.9M | 230.6M | 154.3M | |
141.8M | 125.4M | 84.3M | 171.1M | 187.9M | 128.2M | 116.6M | 133.7M | 148.1M | 120.5M | 100M | 80.6M | 110.8M | 108.8M | 106.3M | 54.4M | 58M | 55.7M | 57.4M | 57.5M |
SEC Filings
NWBI - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 26, 2026 | May 20, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 27, 2026 | April 27, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 09, 2026 | May 20, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 25, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 26, 2026 | January 26, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 10, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 27, 2025 | October 27, 2025 | 2025 | |
10-Q 10-Q 2025 Q2 Q2 | August 05, 2025 | June 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | July 29, 2025 | July 29, 2025 | 2025 |
Related Guides
Continue your NWBI research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.