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Northwest Bancshares (NWBI)
NASDAQ:NWBI
US Market
NWBI
Northwest Bancshares
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Northwest Bancshares (NWBI) Ratios

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Northwest Bancshares Ratios

NWBI's free cash flow for Q4 2025 was $0.72. For the 2025 fiscal year, NWBI's free cash flow was decreased by $ and operating cash flow was $0.25. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.13 0.13 0.12 0.10 0.11
Quick Ratio
 0.13 0.13 0.12 0.10 0.11
Cash Ratio
 0.02 0.02 0.02 <0.01 0.01
Solvency Ratio
 <0.01 <0.01 <0.01 0.01 0.01
Operating Cash Flow Ratio
 0.01 0.01 0.01 <0.01 0.01
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.64 0.23 0.26
Net Current Asset Value
$ -13.00B$ -13.00B$ -11.37B$ -11.65B$ -11.23B
Leverage Ratios
Debt-to-Assets Ratio
 0.03 0.03 0.03 0.04 0.07
Debt-to-Equity Ratio
 0.24 0.24 0.28 0.41 0.62
Debt-to-Capital Ratio
 0.19 0.19 0.22 0.29 0.38
Long-Term Debt-to-Capital Ratio
 0.19 0.19 0.13 0.14 0.14
Financial Leverage Ratio
 8.87 8.87 9.02 9.29 9.46
Debt Service Coverage Ratio
 0.57 0.56 0.28 0.29 0.20
Interest Coverage Ratio
 0.73 0.73 0.55 1.15 6.18
Debt to Market Cap
 0.25 0.25 0.27 0.40 0.52
Interest Debt Per Share
 4.57 4.57 5.34 6.24 7.48
Net Debt to EBITDA
 1.28 1.29 1.04 2.61 4.36
Profitability Margins
Gross Profit Margin
68.32%68.32%65.77%74.99%89.88%
EBIT Margin
18.79%18.79%17.18%25.01%31.14%
EBITDA Margin
18.98%18.79%20.01%28.51%32.29%
Operating Profit Margin
18.79%18.79%17.18%25.01%31.14%
Pretax Profit Margin
18.79%18.79%17.18%25.01%31.14%
Net Profit Margin
14.37%14.37%13.30%19.28%23.96%
Continuous Operations Profit Margin
14.37%14.37%13.30%19.28%23.96%
Net Income Per EBT
76.48%76.48%77.41%77.08%76.96%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.75%0.75%0.70%0.94%0.95%
Return on Equity (ROE)
7.18%6.67%6.28%8.70%8.96%
Return on Capital Employed (ROCE)
5.84%5.84%6.30%8.64%8.84%
Return on Invested Capital (ROIC)
4.46%4.46%4.44%5.56%5.05%
Return on Tangible Assets
0.77%0.77%0.72%0.96%0.97%
Earnings Yield
6.92%7.16%5.99%8.49%7.51%
Efficiency Ratios
Receivables Turnover
 15.58 15.58 16.27 14.78 15.70
Payables Turnover
 40.59 40.59 37.22 12.81 17.47
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 6.25 6.25 6.07 5.04 3.82
Asset Turnover
 0.05 0.05 0.05 0.05 0.04
Working Capital Turnover Ratio
 -0.07 -0.08 -0.07 -0.06 -0.05
Cash Conversion Cycle
 14.44 14.44 12.63 -3.80 2.35
Days of Sales Outstanding
 23.43 23.43 22.44 24.69 23.25
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 8.99 8.99 9.81 28.49 20.90
Operating Cycle
 23.43 23.43 22.44 24.69 23.25
Cash Flow Ratios
Operating Cash Flow Per Share
 1.05 1.05 1.01 0.73 1.38
Free Cash Flow Per Share
 0.97 0.97 0.99 0.66 1.34
CapEx Per Share
 0.08 0.08 0.02 0.07 0.03
Free Cash Flow to Operating Cash Flow
 0.92 0.92 0.98 0.91 0.98
Dividend Paid and CapEx Coverage Ratio
 1.26 1.26 1.23 0.84 1.66
Capital Expenditure Coverage Ratio
 13.19 13.19 55.31 10.85 40.61
Operating Cash Flow Coverage Ratio
 0.34 0.34 0.29 0.14 0.19
Operating Cash Flow to Sales Ratio
 0.17 0.17 0.17 0.13 0.31
Free Cash Flow Yield
7.81%8.05%7.49%5.31%9.61%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 14.46 13.97 16.70 11.77 13.31
Price-to-Sales (P/S) Ratio
 2.07 2.01 2.22 2.27 3.19
Price-to-Book (P/B) Ratio
 0.96 0.93 1.05 1.02 1.19
Price-to-Free Cash Flow (P/FCF) Ratio
 12.80 12.42 13.36 18.84 10.40
Price-to-Operating Cash Flow Ratio
 11.88 11.48 13.11 17.11 10.14
Price-to-Earnings Growth (PEG) Ratio
 2.54 0.79 -0.66 12.36 -0.96
Price-to-Fair Value
 0.96 0.93 1.05 1.02 1.19
Enterprise Value Multiple
 12.18 11.97 12.13 10.57 14.24
Enterprise Value
 2.03B 1.97B 1.83B 2.11B 2.56B
EV to EBITDA
 12.18 11.97 12.13 10.57 14.24
EV to Sales
 2.31 2.25 2.43 3.01 4.60
EV to Free Cash Flow
 14.30 13.92 14.60 25.01 14.99
EV to Operating Cash Flow
 13.22 12.86 14.34 22.71 14.62
Tangible Book Value Per Share
 9.59 9.59 9.56 9.15 8.66
Shareholders’ Equity Per Share
 12.89 12.89 12.58 12.18 11.72
Tax and Other Ratios
Effective Tax Rate
 0.24 0.24 0.23 0.23 0.23
Revenue Per Share
 5.98 5.98 5.94 5.50 4.38
Net Income Per Share
 0.86 0.86 0.79 1.06 1.05
Tax Burden
 0.76 0.76 0.77 0.77 0.77
Interest Burden
 1.00 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
 0.30 0.30 0.31 0.29 0.35
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 1.22 1.22 1.27 0.69 1.31
Currency in USD