Northwest Stock Financials

The current Net Income Per Employee is estimated to increase to about 69 K, while Revenue Per Employee is projected to decrease to roughly 205.3 K.
  
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With this module, you can analyze Northwest financials for your investing period. You should be able to track the changes in Northwest Bancshares individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.

Revenues

485.17 Million

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Understanding current and past Northwest Bancshares Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Northwest Bancshares' financial statements are interrelated, with each one affecting the others. For example, an increase in Northwest Bancshares' assets may result in an increase in income on the income statement.
The fundamental analysis of Northwest Bancshares is a critical element in measuring its lifeblood. The essential information of the day-to-day investment outlook for Northwest Bancshares includes many different criteria found on its balance sheet. For example, investors should never minimize Northwest Bancshares' ability to pay suppliers or employees on time, making sure interest payments are not accumulating or correctly timing where and how to re-invest extra cash. Any individual investor needs to monitor Northwest Bancshares' cash flow, debt, and profitability to effectively and accurately make more informed decisions on whether to invest in Northwest Bancshares.

Northwest Bancshares Cash

Chance Of Financial Distress
Less than 35
Northwest Bancshares has less than 35 (%) percent chance of experiencing financial distress in the next two years of operations. The calculation of odds of distress for Northwest Bancshares stock is tightly coupled with the Probability of Bankruptcy. It complements the equity performance score by supplying investors with insight into company financials without requiring them to know too much about all of the complex accounting and financial indicators surrounding the entity. More Info
The data published in Northwest Bancshares' official financial statements usually reflect Northwest Bancshares' business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of Northwest Bancshares. For example, before you start analyzing numbers published by Northwest accountants, it's critical to develop an understanding of what Northwest Bancshares' liquidity, profitability, and earnings quality are in the context of the Financial Services space in which it operates.
Please note, the presentation of Northwest Bancshares' financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Northwest Bancshares' management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in Northwest Bancshares' accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Northwest Bancshares. Please utilize our Beneish M Score to check the likelihood of Northwest Bancshares' management to manipulate its earnings.

Northwest Bancshares Company Summary

Northwest Bancshares, Inc. operates as the holding company for Northwest Bank, a state-chartered savings bank that provides personal and business banking solutions. Northwest Bancshares, Inc. was founded in 1896 and is headquartered in Columbus, Ohio. Northwest Bancshares operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 2268 people.
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
CIK Number0001471265
RegionNorth America
Business Address3 Easton Oval,
SectorFinancial Services
IndustryBanks—Regional
BenchmarkDOW
Websitewww.northwest.com
Phone814 726 2140
CurrencyUSD - US Dollar
You should never invest in Northwest Bancshares without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Northwest Stock, because this is throwing your money away. Analyzing the key information contained in Northwest Bancshares' financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

Northwest Bancshares Key Financial Ratios

Generally speaking, Northwest Bancshares' financial ratios allow both analysts and investors to convert raw data from Northwest Bancshares' financial statements into concise, actionable information that can be used to evaluate the performance of Northwest Bancshares over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that Northwest Bancshares reports annually and quarterly.

Northwest Bancshares Key Balance Sheet Accounts

201720182019202020212022 (projected)
Accumulated Other Comprehensive Income(27.99 M)(32.08 M)(39.7 M)(36.94 M)(33.25 M)(35.87 M)
Total Assets9.36 B9.61 B10.49 B13.81 B14.5 B11.7 B
Cash and Equivalents77.71 M68.79 M60.85 M736.28 M1.28 B1.38 B
Cash and Equivalents USD389.87 M77.71 M68.79 M60.85 M54.76 M56.2 M
Total Debt290.99 M260.28 M388.9 M412.69 M371.42 M509.77 M
Total Debt USD290.99 M260.28 M388.9 M412.69 M371.42 M509.77 M
Deposit Liabilities7.88 B7.83 B7.89 B8.59 B9.88 B9.1 B
Shareholders Equity1.21 B1.26 B1.35 B1.54 B1.58 B1.36 B
Shareholders Equity USD1.17 B1.21 B1.26 B1.35 B1.56 B1.51 B
Goodwill and Intangible Assets339.85 M333.09 M327.24 M369.18 M424.56 M369.53 M
Investments8.35 B8.57 B8.84 B9.6 B11.04 B10.31 B
Total Liabilities8.16 B8.35 B9.14 B12.27 B12.92 B10.34 B
Property Plant and Equipment Net166.07 M157.61 M145.89 M148.36 M133.52 M136.76 M
Accumulated Retained Earnings Deficit478.8 M508.06 M550.37 M583.41 M670.92 M658.69 M

Northwest Bancshares Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket. The other reason investors look at the income statement is to determine what Northwest Bancshares' earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201720182019202020212022 (projected)
Consolidated Income49.67 M94.47 M105.49 M110.43 M127 M109.35 M
Earning Before Interest and Taxes EBIT71.31 M135.91 M133.91 M141.11 M162.28 M143.82 M
Earning Before Interest and Taxes USD71.31 M135.91 M133.91 M141.11 M162.28 M143.82 M
Gross Profit379.15 M421.51 M410.01 M437.21 M502.8 M463.4 M
Net Income94.47 M105.49 M110.43 M74.85 M154.32 M166.51 M
Net Income Common Stock49.67 M94.47 M105.49 M110.43 M127 M109.35 M
Net Income Common Stock USD49.67 M94.47 M105.49 M110.43 M127 M109.35 M
Operating Expenses270.86 M285.6 M276.1 M296.1 M340.52 M317.44 M
Operating Income108.29 M135.91 M133.91 M141.11 M162.28 M145.96 M
Revenues469.34 M467.48 M516.79 M566.33 M561.4 M485.17 M
Revenues USD379.15 M421.51 M410.01 M437.21 M502.8 M463.4 M
Selling General and Administrative Expense235.2 M256.49 M252.13 M267.67 M307.83 M285.75 M
Weighted Average Shares101.02 M102.07 M104.88 M120.24 M126.18 M109.65 M
Weighted Average Shares Diluted102.56 M103.57 M105.84 M120.24 M127.01 M110.42 M
Income Tax Expense21.65 M41.44 M28.42 M30.68 M35.28 M34.48 M

Northwest Bancshares Key Cash Accounts

Cash flow analysis captures how much money flows into and out of Northwest Bancshares. It measures of how well Northwest is doing because it can show the actual money that comes into and out of the company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money Northwest Bancshares brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money Northwest had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what Northwest Bancshares has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
201720182019202020212022 (projected)
Capital Expenditure(15.23 M)(3.72 M)(5.23 M)(10.9 M)(12.53 M)(13.52 M)
Depreciation Amortization and Accretion15.42 M14.29 M8.12 M3.82 M3.44 M3.53 M
Net Cash Flow or Change in Cash and Cash Equivalents222.46 M(312.16 M)(8.92 M)(7.94 M)(9.13 M)(9.86 M)
Issuance Purchase of Equity Shares9.1 M7 M8.19 M9.73 M11.19 M12.07 M
Issuance Repayment of Debt Securities(856.77 M)(30.71 M)128.62 M13.19 M11.87 M12.8 M
Payment of Dividends and Other Cash Distributions(60.16 M)(65.21 M)(69.92 M)(76.17 M)(68.56 M)(73.97 M)
Net Cash Flow from Financing(359.92 M)134.08 M165.19 M1.1 B570.49 M615.53 M
Net Cash Flow from Investing(108.3 M)(281.91 M)(300.59 M)(560.58 M)(232.97 M)(239.1 M)
Net Cash Flow Investment Acquisitions and Disposals61.79 M(105.19 M)(280.02 M)(264.16 M)(303.79 M)(311.78 M)
Net Cash Flow from Operations156.06 M138.91 M127.46 M140.44 M205.46 M162.74 M
Share Based Compensation10.92 M4.89 M7.02 M6.84 M7.87 M7.6 M

Northwest Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Northwest Bancshares's current stock value. Our valuation model uses many indicators to compare Northwest Bancshares value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Northwest Bancshares competition to find correlations between indicators driving Northwest Bancshares's intrinsic value. More Info.
Northwest Bancshares is considered to be number one stock in profit margin category among related companies. It is considered to be number one stock in shares owned by insiders category among related companies making about  0.19  of Shares Owned by Insiders per Profit Margin. The ratio of Profit Margin to Shares Owned by Insiders for Northwest Bancshares is roughly  5.30 . Northwest Bancshares Profit Margin is most likely to increase in the upcoming years. The last year's value of Profit Margin was reported at 27.49. Comparative valuation analysis is a catch-all model that can be used if you cannot value Northwest Bancshares by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Northwest Bancshares' Stock . Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Northwest Bancshares' earnings, one of the primary drivers of an investment's value.
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Check out Stocks Correlation. Note that the Northwest Bancshares information on this page should be used as a complementary analysis to other Northwest Bancshares' statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try Money Flow Index module to determine momentum by analyzing Money Flow Index and other technical indicators.

Other Tools for Northwest Stock

When running Northwest Bancshares price analysis, check to measure Northwest Bancshares' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Northwest Bancshares is operating at the current time. Most of Northwest Bancshares' value examination focuses on studying past and present price action to predict the probability of Northwest Bancshares' future price movements. You can analyze the entity against its peers and financial market as a whole to determine factors that move Northwest Bancshares' price. Additionally, you may evaluate how the addition of Northwest Bancshares to your portfolios can decrease your overall portfolio volatility.
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