Northwest Bancshares (NWBI) Q3 Earnings: Analyzing Key Metrics Against Estimates
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 28 2025
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Source: NASDAQ.COM
Quarterly Performance: Northwest Bancshares (NWBI) reported a revenue of $168.17 million for Q3 2025, a 20.9% increase year-over-year, with an EPS of $0.29, up from $0.26 in the previous year.
Earnings Surprise: The revenue exceeded the Zacks Consensus Estimate of $167.1 million by 0.64%, while the EPS met the consensus estimate without any surprise.
Investor Insights: Investors are encouraged to analyze key financial metrics year-over-year and against analyst estimates to better project stock price performance.
AI Investment Opportunities: The article suggests that lesser-known AI companies addressing significant global challenges may offer more lucrative investment opportunities than well-known stocks in the sector.
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Analyst Views on NWBI
Wall Street analysts forecast NWBI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for NWBI is 13.00 USD with a low forecast of 13.00 USD and a high forecast of 13.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Analyst Rating
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 12.550
Low
13.00
Averages
13.00
High
13.00
Current: 12.550
Low
13.00
Averages
13.00
High
13.00
About NWBI
Northwest Bancshares, Inc. is a bank holding for Northwest Bank (the Bank). Northwest Bank is a Pennsylvania-chartered savings bank. The Bank is a full-service financial institution which offers a complete line of business and consumer banking products, as well as employee benefits and wealth management services. The Bank operates approximately 151 full-service financial centers and eight drive-up locations across Pennsylvania, New York, Ohio, and Indiana. Its principal lending activities are the origination of loans secured by first mortgages on owner-occupied, one-to-four-family residences, shorter-term consumer loans, and commercial business and commercial real estate loans. It offers other consumer loans, such as direct and indirect automobile loans, sales finance loans, credit card loans, and others. Its principal sources of funds are personal and business deposits, borrowed funds and the principal and interest payments on loans and marketable securities.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Northwest Bancshares Q4 2025 Earnings Call Highlights
- Successful Acquisition Integration: Northwest Bancshares' acquisition of Penns Woods propelled its asset ranking into the top 100 U.S. banks, adding 20 new financial centers and thousands of customers, driving total revenue to $655 million for 2025, showcasing robust market expansion capabilities.
- Loan Growth Momentum: The commercial banking sector achieved a 26% year-over-year growth rate, particularly in SBA lending, positioning Northwest among the top 50 originators in the U.S., highlighting its competitive edge and growth potential in the market.
- Strong Financial Performance: The fourth quarter reported a GAAP EPS of $0.31 and an adjusted EPS of $0.33, with net interest income increasing by 4.6% quarter-over-quarter and net interest margin rising to 3.69%, reflecting effective management in cost control and revenue growth.
- Optimistic Future Outlook: Management anticipates loan growth in 2026 to be in the low to mid-single digits, with revenue targets set between $710 million and $730 million, demonstrating confidence in future market opportunities and a strategic plan for sustained growth.
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Northwest Bancshares Declares Quarterly Dividend
- Quarterly Dividend Announcement: Northwest Bancshares (NWBI) declares a quarterly dividend of $0.20 per share, consistent with previous distributions, indicating the company's ongoing ability to maintain stable cash flows.
- Dividend Yield: The forward yield of 6.25% makes this dividend attractive to income-seeking investors, potentially enhancing its appeal in the market.
- Shareholder Record Date: The dividend will be payable on February 18, with a record date of February 5 and an ex-dividend date also on February 5, ensuring shareholders receive their earnings promptly.
- Market Reaction: Despite the stable dividend, the market has downgraded its rating on Northwest Bancshares, reflecting investor concerns about its future growth potential, which may impact its stock price performance.
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