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STOCKS

Northwest Bancshares (NWBI)

NASDAQ:NWBI

NWBI

Northwest Bancshares

RESEARCH TOOLSreports

Northwest Bancshares (NWBI) Ratios

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221 Followers

Northwest Bancshares Ratios

NWBI's free cash flow for Q3 2025 was $0.60. For the 2025 fiscal year, NWBI's free cash flow was decreased by $ and operating cash flow was $0.02. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	0.12	0.10	2.11	20.25
Quick Ratio	0.00	0.12	0.10	2.38	29.52
Cash Ratio	0.00	0.02	<0.01	0.21	9.08
Solvency Ratio	<0.01	<0.01	0.01	0.01	0.01
Operating Cash Flow Ratio	0.00	0.01	<0.01	0.27	1.46
Short-Term Operating Cash Flow Coverage	0.00	0.64	0.23	0.27	1.48
Net Current Asset Value	$ -142.77M	$ -11.37B	$ -11.65B	$ -11.23B	$ -10.06B
Leverage Ratios
Debt-to-Assets Ratio	0.00	0.03	0.04	0.06	0.03
Debt-to-Equity Ratio	0.00	0.28	0.41	0.60	0.25
Debt-to-Capital Ratio	0.00	0.22	0.29	0.38	0.20
Long-Term Debt-to-Capital Ratio	0.00	0.13	0.14	0.14	0.14
Financial Leverage Ratio	8.87	9.02	9.29	9.46	9.16
Debt Service Coverage Ratio	0.32	0.28	0.29	0.20	0.97
Interest Coverage Ratio	0.48	0.55	1.15	6.18	7.38
Debt to Market Cap	0.00	0.27	0.40	0.51	0.22
Interest Debt Per Share	1.53	5.34	6.24	7.36	3.32
Net Debt to EBITDA	-2.16	1.04	2.61	4.22	-4.27
Profitability Margins
Gross Profit Margin	56.68%	65.77%	74.99%	100.00%	100.00%
EBIT Margin	13.89%	17.18%	25.01%	32.79%	39.68%
EBITDA Margin	14.46%	20.01%	28.51%	34.01%	40.99%
Operating Profit Margin	14.23%	17.18%	25.01%	32.79%	39.68%
Pretax Profit Margin	21.71%	17.18%	25.01%	32.79%	39.68%
Net Profit Margin	16.81%	13.30%	19.28%	25.23%	30.44%
Continuous Operations Profit Margin	10.71%	13.30%	19.28%	25.23%	30.44%
Net Income Per EBT	77.41%	77.41%	77.08%	76.96%	76.73%
EBT Per EBIT	152.57%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.75%	0.70%	0.94%	0.95%	1.06%
Return on Equity (ROE)	7.18%	6.28%	8.70%	8.96%	9.75%
Return on Capital Employed (ROCE)	0.64%	6.30%	8.64%	1.29%	1.40%
Return on Invested Capital (ROIC)	0.54%	4.44%	5.56%	3.32%	2.70%
Return on Tangible Assets	0.77%	0.72%	0.96%	0.97%	1.09%
Earnings Yield	6.67%	5.99%	8.49%	7.58%	8.64%
Efficiency Ratios
Receivables Turnover	0.06	16.27	14.78	0.00	0.00
Payables Turnover	0.00	37.22	12.81	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	5.34	6.07	5.04	3.63	3.24
Asset Turnover	0.04	0.05	0.05	0.04	0.03
Working Capital Turnover Ratio	1.34	-0.07	-0.06	0.31	0.21
Cash Conversion Cycle	6.29K	12.63	-3.80	0.00	0.00
Days of Sales Outstanding	6.29K	22.44	24.69	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	9.81	28.49	0.00	0.00
Operating Cycle	6.29K	22.44	24.69	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	0.48	1.01	0.73	1.39	1.63
Free Cash Flow Per Share	0.42	0.99	0.66	1.36	1.49
CapEx Per Share	0.06	0.02	0.07	0.03	0.14
Free Cash Flow to Operating Cash Flow	0.87	0.98	0.91	0.98	0.91
Dividend Paid and CapEx Coverage Ratio	0.61	1.23	0.84	1.66	1.74
Capital Expenditure Coverage Ratio	7.53	55.31	10.85	40.61	11.73
Operating Cash Flow Coverage Ratio	0.00	0.29	0.14	0.19	0.52
Operating Cash Flow to Sales Ratio	0.09	0.17	0.13	0.33	0.41
Free Cash Flow Yield	3.24%	7.49%	5.31%	9.70%	10.52%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	14.99	16.70	11.77	13.20	11.58
Price-to-Sales (P/S) Ratio	2.51	2.22	2.27	3.33	3.52
Price-to-Book (P/B) Ratio	1.00	1.05	1.02	1.18	1.13
Price-to-Free Cash Flow (P/FCF) Ratio	30.89	13.36	18.84	10.31	9.51
Price-to-Operating Cash Flow Ratio	26.90	13.11	17.11	10.05	8.70
Price-to-Earnings Growth (PEG) Ratio	2.64	-0.66	12.36	-0.95	0.12
Price-to-Fair Value	1.00	1.05	1.02	1.18	1.13
Enterprise Value Multiple	15.20	12.13	10.57	14.02	4.33
Enterprise Value	1.65B	1.83B	2.11B	2.52B	899.19M
EV to EBITDA	15.20	12.13	10.57	14.02	4.33
EV to Sales	2.20	2.43	3.01	4.77	1.77
EV to Free Cash Flow	27.05	14.60	25.01	14.75	4.78
EV to Operating Cash Flow	23.46	14.34	22.71	14.39	4.38
Tangible Book Value Per Share	9.59	9.56	9.15	8.73	9.43
Shareholders’ Equity Per Share	12.89	12.58	12.18	11.82	12.55
Tax and Other Ratios
Effective Tax Rate	0.23	0.23	0.23	0.23	0.23
Revenue Per Share	5.11	5.94	5.50	4.20	4.02
Net Income Per Share	0.86	0.79	1.06	1.06	1.22
Tax Burden	0.77	0.77	0.77	0.77	0.77
Interest Burden	1.56	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.24	0.30	0.29	0.39	0.42
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	0.62	1.27	0.69	1.31	1.33

Currency in USD