Northwest Bancshares, Inc. (NWBI)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$15.31-3.35%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · NWBI
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -6.1% |
| Our one-year growth estimate | diamond | -4.2% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 1.9 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
NWBI — earnings in line
Dated 2026-10-26
Results of Operations and Financial Condition On October 26, 2026, Northwest Bancshares, Inc. (the "Company") issued a press release announcing its financial results for the quarter ended September 30, 2026 (the "Press Release"). The Press Release is being furnished as Exhibit 99.1. The Company also made available its third quarter 2026 supplemental earnings presentation on the "Investor Relations" section of its website. The information in the preceding paragraph, as well as Exhibit 99.1 ref…
Why it matters: C&I loans grew 31% year over year in Q3. Similar growth would show that this key growth plan is still on track.
Supportive ifQ4 average C&I loans grow at least 25% year over year.
Worry ifQ4 average C&I loan growth falls below 15% year over year.
Why it matters: Average borrowings rose to $618 million in Q3 as loan and investment growth outpaced deposits. Further growth could point to more costly funding needs.
Worry ifQ4 average borrowings top $618 million. Average deposits grow more slowly than average loans.
Less concerning ifQ4 average borrowings fall below $500 million as deposits grow faster than loans.
Why it matters: The margin fell from 3.75% in Q2 to 3.70% in Q3. A rebound would ease concern about rising funding costs and lower loan yields.
Supportive ifQ4 net interest margin reaches or tops 3.75%.
Worry ifQ4 net interest margin falls below 3.65%.
Why it matters: Classified loans fell by $55 million in Q3, but the bank still has $469 million in this group. Another drop would support its credit quality claims.
Supportive ifQ4 classified loans fall below $469 million and net charge-offs stay at or below 0.15%.
Worry ifQ4 classified loans rise above $524 million or net charge-offs exceed 0.20%.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$72 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $167 loss on $10,000 · 1.7% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $937 loss on $10,000 · 9.4% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: The ratio rose to 58.9% in Q3 from 57.6% in Q2. Keeping it below 59% would support management's cost-control plan.
Supportive ifQ4 efficiency ratio is below 59%.
Worry ifQ4 efficiency ratio reaches 60% or more.