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Northwest Bancshares (NWBI)
NASDAQ:NWBI
Earnings Data
Report Date
Apr 27, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.3Last Year’s EPS
0.35Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call highlighted a successful transformational year driven by the Penns Woods acquisition, record full-year revenue, solid quarterly earnings improvement, strong loan and deposit growth, margin expansion, SBA business momentum, and improved efficiency with planned cost savings realized ahead of schedule. Headwinds included an elevated one-time charge-off that pushed quarterly net charge-offs higher, a decline in ACL coverage, a rise in total delinquencies, some year-over-year noninterest income weakness due to nonrecurring prior-year gains, and near-term CD repricing risk (43% maturing in Q1 2026). Management provided a constructive 2026 outlook (revenues $710M-$730M, NIM in low 3.70s, low-to-mid single-digit loan growth) and emphasized disciplined, prudent growth and integration execution. Overall, positive operational and financial momentum appears to outweigh the manageable credit and expense-related headwinds.Company Guidance
Record Full-Year Revenue
Reported record full-year revenue of $655 million for 2025, with total fourth-quarter revenue up $11.8 million or 7% quarter-over-quarter.
Successful Acquisition and Integration of Penns Woods
Closed and integrated Penns Woods (closed July 25), adding 20 financial centers, moving Northwest into the top 100 U.S. banks by assets; merger conversion completed on time and on budget with seamless integration at scale.
Earnings Per Share Improvement
GAAP Q4 EPS of $0.31 and adjusted EPS of $0.33, an adjusted increase of $0.04 from the prior quarter (adjusted EPS up ~13.8% from $0.29 to $0.33).
Net Interest Income and Margin Expansion
Net interest income grew $6.2 million or 4.6% quarter-over-quarter; net interest margin increased to 3.69% in Q4 (up 4 basis points quarter-over-quarter), helped by higher loan yields, purchase accounting accretion (~4 bps), and improved securities yields.
Loan Growth and Commercial Momentum
Average loans grew $414 million Q/Q; end-of-period loans rose $66 million in Q4 to $13.0 billion. Average commercial loans increased $162 million or 7.1% Q/Q and $509 million or 26% year-over-year; C&I average loan growth of 26% year-over-year.
Deposit Strength and Lower Cost of Funds
Average total deposits grew $475 million Q/Q; customer nonbrokered average deposits increased $507 million Q/Q. Cost of deposits declined 2 basis points to 1.53% and brokered deposits decreased by $32 million Q/Q.
Securities Portfolio and Liquidity
Purchased $363 million of securities in the quarter while keeping weighted average life at 4.9 years; securities portfolio yield increased 29 basis points to 3.11%, supporting liquidity and earning asset growth.
Expense Discipline and Efficiency Improvement
Adjusted efficiency ratio improved to 59.5% in Q4, improving 10 basis points Q/Q and 9 basis points year-over-year despite a full quarter impact from the acquisition; management expects to realize 100% of merger cost savings by Q1 2026 (ahead of schedule).
SBA Business Build-Out and Rankings
Material growth in SBA lending in 2025, reaching top 50 (later referenced as top 40) originators nationally; management intends to both balance-sheet and sell SBA loans to capture fee income and yield.
Shareholder Returns and Corporate Recognition
Returned more than half of profits via a quarterly dividend of $0.20 per share; maintained 125th consecutive quarter of cash dividend. Recognized by Newsweek as one of America's best regional banks for the third consecutive year.
2026 Financial Guidance
Management provided 2026 guidance targeting loan growth in low- to mid-single digits, deposit growth in low single digits, revenues of $710M-$730M, NIM in the low 3.70% range, noninterest income $125M-$130M, noninterest expense $420M-$430M, and net charge-offs of 20-27 bps.
NWBI Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
NWBI Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 26, 2026 | $12.66 | $12.76 | +0.79% |
Oct 27, 2025 | $12.30 | $11.85 | -3.68% |
Jul 29, 2025 | $11.93 | $11.59 | -2.88% |
Apr 28, 2025 | $11.27 | $11.92 | +5.74% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Northwest Bancshares (NWBI) report earnings?
Northwest Bancshares (NWBI) is schdueled to report earning on Apr 27, 2026, Before Open (Confirmed).
What is Northwest Bancshares (NWBI) earnings time?
Northwest Bancshares (NWBI) earnings time is at Apr 27, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is NWBI EPS forecast?
NWBI EPS forecast for the fiscal quarter 2026 (Q1) is 0.3.