The earnings call presented a largely positive outlook with significant growth achievements, including the successful merger with Penns Woods, revenue increases, and improved net interest margins. However, challenges such as increased noninterest expenses and a rise in classified loans were noted.

Company Guidance

In the Northwest Bancshares Second Quarter 2025 Earnings Call, the company highlighted several key metrics reflecting their robust performance and strategic growth. They reported a GAAP net income of $33.7 million, with earnings per diluted share at $0.26, marking a significant improvement from the previous year's $0.04 per share. Adjusted for one-time merger-related expenses, net income was $38.2 million, with earnings per diluted share of $0.30, representing a 10% increase from the second quarter of 2024. Northwest Bancshares achieved a net interest margin of 3.56%, up from 3.48% in the previous quarter after adjusting for a one-time interest recovery. The company also experienced a 19% increase in average commercial and industrial (C&I) loans year-over-year and maintained a low cost of deposits at 1.55%. Revenue for the quarter reached $150 million, a 53.5% increase from the prior year, despite a slight decrease from the previous quarter. The successful completion of the Penns Woods merger bolstered their balance sheet, contributing to a total asset increase to approximately $17 billion. Looking ahead, Northwest Bancshares expects to achieve full cost savings from the merger by the second quarter of 2026 and maintain a net interest income in the range of $139 million to $141 million in the fourth quarter.

Successful Completion of Penns Woods Merger

The legal close of the Penns Woods merger was completed, marking the largest transaction in the company's history, with the expected cost reductions on target or better than original expectations.

Revenue Growth

Reported $150 million in revenue for the second quarter, representing a 53.5% increase compared to the prior year period.

Improved Earnings Per Share

GAAP net income of $33.7 million and earnings per diluted share of $0.26 compared to $0.04 in the second quarter of 2024. Adjusted earnings per diluted share increased by 10% compared to the year-ago quarter.

Strong Loan and Deposit Growth

19% increase in average C&I loans compared to the same period last year. Deposits increased $66 million quarter-over-quarter.

Net Interest Margin Improvement

Reported net interest margin of 3.56% for Q2 2025, compared favorably to the prior quarter's adjusted margin of 3.48%.

Northwest Bancshares (NWBI) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

NWBI Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 27, 2025	2025 (Q3)	0.31 / -	0.26	―	―	―
Jul 29, 2025	2025 (Q2)	0.28 / 0.30	0.27	11.11% (+0.03)
Apr 28, 2025	2025 (Q1)	0.24 / 0.35	0.23	52.17% (+0.12)
Jan 24, 2025	2024 (Q4)	0.25 / 0.21	0.24	-10.42% (-0.02)
Oct 29, 2024	2024 (Q3)	0.26 / 0.26	0.31	-16.13% (-0.05)
Jul 23, 2024	2024 (Q2)	0.22 / 0.27	0.27	0.00% (0.00)
Apr 22, 2024	2024 (Q1)	0.23 / 0.23	0.28	-17.86% (-0.05)	―	―
Jan 22, 2024	2023 (Q4)	0.24 / 0.24	0.3	-20.00% (-0.06)	―	―
Oct 23, 2023	2023 (Q3)	0.24 / 0.31	0.29	6.90% (+0.02)	―	―
Jul 24, 2023	2023 (Q2)	0.26 / 0.27	0.26	3.85% (+0.01)	―	―

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
Jul 29, 2025	$12.13	$11.78	-2.89%
Apr 28, 2025	$11.46	$12.12	+5.76%
Jan 24, 2025	$12.55	$12.56	+0.08%
Oct 29, 2024	$12.66	$12.64	-0.16%

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 Oct 27, 2025, Before Open (Confirmed).

What is Northwest Bancshares (NWBI) earnings time?

Northwest Bancshares (NWBI) earnings time is at Oct 27, 2025, 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 2025 (Q3) is 0.31.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing