Northwest Bancshares Inc (NWBI) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Northwest Bancshares Inc stock $12.32, price $15.24, that is 19.2% below the price, quality 50 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
- Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free
Northwest Bancshares Inc
NWBI · USOur calculation puts a fair price 19% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $8.11 – $15.84 · fair‑value band $9.24 – $15.40 · the $15.24 price screens above the $12.32 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
Every Wednesday you see whether Northwest Bancshares is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Company profile
Northwest Bancshares, Inc. operates as the bank holding company for Northwest Bank, a state-chartered savings bank that provides personal and commercial banking solutions in Pennsylvania, New York, Ohio, and Indiana in the United States.
Show moreShow less
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, shorter-term consumer loans, and loans collateralized by multi-family residential and commercial real estate, as well as commercial business loans; residential mortgage loans; home equity loans and lines of credit; commercial real estate loans; commercial loans and financing solutions; and other consumer loans, including auto refinance loans, indirect automobile and recreational loans, unsecured personal loans, credit card loans, and loans secured by investment accounts.
In addition, the company offers investment and cash management; estate and trust services; digital and online banking; certificates of deposit; credit cards; student and small business loans; private banking, planning, and investments; retirement plans; liquidity management for commercial checking and savings; treasury and wealth management; insurance; employee benefit plans; and financial planning services.
It serves individuals, businesses, and charitable institutions. Northwest Bancshares, Inc. was founded in 1896 and is headquartered in Columbus, Ohio.
Stock analysis
Northwest Bancshares Inc (NWBI) currently trades at $15.24, while our model-based Fair Value estimate is $12.32, 19% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the Dividend Discount group reads highest at a median of $12.74 per share, and 0 of the 6 models we run sit above the $15.24 price.
Bear case: the Asset-Based group reads lowest at $6.44, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $9.24 (bear) to $15.40 (bull), the price of $15.24 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 50/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Northwest Bancshares Inc reported revenue of $877M in FY2025 versus $534M in FY2021, a compound +13.2%/yr. Reported net income was $126M in FY2025, compounding −4.9%/yr from FY2021.
Key figures
Market cap $2.2B Mid · P/E ratio 14.7 · P/S ratio 3.43 · EPS (TTM) $1.04 · Dividend yield 5.2% · Net margin 23.4% · Return on equity 8.6% · Return on assets (EBIT) 1.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 64 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 41% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −19%, NWBI screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 2 officers or directors bought shares worth $164,683, most recently on Aug 20, 2026. Over the same period, one person sold shares worth $209,331. Buying cluster
- BuyCharles E. KranichDirector1,635 shares at $15.28$24,983Aug 20, 2026
- SaleJames M ColestroChief Retail Lending Officer13,274 shares at $15.77$209,331Jul 30, 2026
- BuyTimothy M HunterDirector2× since Dec 5, 2025: 14,000 shares, avg. $13.46$188,420May 27, 2026
- BuyDouglas M SchosserChief Financial Officer1,500 shares at $13.92$20,880May 1, 2026
- BuyUrich T BowersChief Cons. Banking /Strat Off7,000 shares at $13.98$97,860May 1, 2026
- BuyGregory J. BetchkalChief Risk Officer5,000 shares at $13.93$69,650Apr 30, 2026
- SaleCarey A. BarnumChief Auditor1,351 shares at $13.97$18,873Apr 30, 2026
- BuyLouis J TorchioPresident & CEO, Director3,500 shares at $12.16$42,560Mar 6, 2026
- BuyRobert M CampanaDirector2× since Nov 20, 2025: 3,000 shares, avg. $12.20$36,610Jan 29, 2026
- BuyDavid M TullioDirector1,500 shares at $12.27$18,405Dec 8, 2025
Plus 3 more entries from the last 12 months.
Plus 20 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
NWBI screens overvalued: fair value 19% below the price. Compare with China Merchants Bank Co →
Recent news
- 5 insightful analyst questions from Northwest Bancshares’s Q3 earnings call
- Northwest Bancshares (NWBI) Stock Price Cools After Q3 Results Despite Record Revenue
- Northwest Bancshares outlines 373 bps Q4 2026 NIM outlook while planning five Columbus branches by Q1 2027
- Compared to Estimates, Northwest Bancshares (NWBI) Q3 Earnings: A Look at Key Metrics
Compare Northwest Bancshares Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- EBIT margin by industry
- P/S ratio by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs NWBI |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs NWBI |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs NWBI |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs NWBI |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs NWBI |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs NWBI |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs NWBI |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs NWBI |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs NWBI |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs NWBI |
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is Northwest Bancshares Inc (NWBI) overvalued or undervalued?
What is the fair value of NWBI?
What is the quality score of NWBI?
What is the price target for Northwest Bancshares Inc (NWBI)?
What is the Northwest Bancshares Inc stock forecast for 2026?
What is the revenue of Northwest Bancshares Inc (NWBI)?
Does Northwest Bancshares Inc pay a dividend?
How much is the dividend of Northwest Bancshares Inc (NWBI) and when is the ex-dividend date?
What is the intrinsic value of Northwest Bancshares Inc (NWBI)?
Is Northwest Bancshares Inc stock overvalued or undervalued in 2026?
Is fair value the same as the market price of NWBI?
How much is Northwest Bancshares Inc worth?
What do the bullish and bearish scenarios say about NWBI?
What is the P/E ratio of NWBI?
What is the PEG ratio of NWBI?
How solid is the balance sheet of Northwest Bancshares Inc (NWBI)?
How far is NWBI from its 52-week high?
Which stocks are comparable to Northwest Bancshares Inc?
Is Northwest Bancshares Inc stock attractive at the current price?
How is the fair value of NWBI calculated?
Is it still worth investing in stocks now?
What is the share price of Northwest Bancshares Inc (NWBI)?
What should I pay attention to with Northwest Bancshares Inc right now?
Where does the earnings growth of Northwest Bancshares Inc (NWBI) come from?
Key figures of Northwest Bancshares Inc
How large is the market capitalisation of Northwest Bancshares Inc (NWBI)?
What is the P/S ratio of Northwest Bancshares Inc (NWBI)?
What are the earnings per share of Northwest Bancshares Inc (NWBI)?
What is the dividend yield of Northwest Bancshares Inc (NWBI)?
What is the net margin of Northwest Bancshares Inc (NWBI)?
What is the return on equity of Northwest Bancshares Inc (NWBI)?
What is the EBIT return on assets of Northwest Bancshares Inc (NWBI)?
What is the operating margin of Northwest Bancshares Inc (NWBI)?
How fast is revenue growing at Northwest Bancshares Inc (NWBI)?
How fast are earnings growing at Northwest Bancshares Inc (NWBI)?
How much free cash flow does Northwest Bancshares Inc (NWBI) generate?
How much net debt does Northwest Bancshares Inc (NWBI) carry?
Watch Northwest Bancshares Inc in the live analysis
One click puts Northwest Bancshares Inc on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.