Daniel Tamayo

Daniel Cardenas

Matt Breese

Matthew Breese

Brian Faran

Dan Cardenas

David Bishop

Manuel Navas

Timothy Switzer

Tim Switzer

Brian Firraldi

Frank Schiraldi

- Northwest Bancshares (NWBI) reported its first quarter as a combined entity following the **Penns Woods Bancorp merger** in late July, achieving **record revenue of $168.1 million** and expanding its balance sheet to **$16.4 billion in total assets**, **$13.7 billion in deposits**, and **$12.9 billion in loans** for Q3 2025.  **[0001471265_2208038_1]** **[0001471265_2208038_3]** 
- The company's **adjusted EPS for Q3 2025 was $0.29 per share**, with the net interest margin improving to **3.65%**.  **[0001471265_2208038_3]** 
- Credit quality remains managed tightly, with an allowance coverage ratio of **1.22%** and annualized net charge-offs of **29 basis points** for the quarter, and no direct or indirect exposure to recent high-profile credit issues.  **[0001471265_2208038_2]** **[0001471265_2208038_5]** 
- Strategic growth initiatives include the groundbreaking of a new de novo financial center in the Columbus market, with plans for additional new centers in high-growth Columbus and Indianapolis markets over the next 12-18 months, and continued progress in commercial banking transformation.  **[0001471265_2208038_1]** 
- For Q4 2025, NWBI expects to maintain its net interest margin at **mid-360s**, with non-interest income between **$32 million and $33 million**, and non-interest expense in the range of **$102 million to $104 million**.  **[0001471265_2208038_6]**

Northwest Bancshares Reports Q3 2025 Results and Provides Q4 2025 Outlook

- Northwest Bancshares reported **record total revenue of $168.1 million** for Q3 2025, marking a **20.8% year-over-year growth** and an **11.8% quarter-over-quarter increase**.  **[0001471265_2206692:7]** **[0001471265_2206692:8]** 
- The company's Net Interest Margin (NIM) expanded by **9 basis points quarter-over-quarter to 3.65%** in Q3 2025, benefiting from higher average loan yields and purchase accounting accretion.  **[0001471265_2206692:7]** **[0001471265_2206692:12]** 
- Diluted Earnings Per Share (GAAP) for Q3 2025 was **$0.02**, while adjusted diluted EPS (non-GAAP) was **$0.29**.  **[0001471265_2206692:7]** **[0001471265_2206692:8]** **[0001471265_2206692:17]** 
- The merger with Penns Woods was successfully completed on **July 25, 2025**, contributing to **$16.4 billion in total assets**, **$12.9 billion in total loans**, and **$13.7 billion in total deposits** at quarter-end, with Q3 2025 reflecting approximately two-thirds of combined company results.  **[0001471265_2206692:7]** **[0001471265_2206692:9]** 
- For Q4 2025, the company anticipates Net Interest Margin to maintain a **mid 360s bps level**, noninterest income to be in the range of **$32 million to $33 million**, and noninterest expense to be between **$102 million and $104 million**.  **[0001471265_2206692:16]**

Northwest Bancshares Reports Record Q3 2025 Revenue and Successful Acquisition Integration

- Northwest Bancshares Inc. (NWBI) reported its first quarter as a combined entity following the Penns Woods Bancorp merger, with Q3 2025 total assets reaching **$16.4 billion**, deposits at **$13.7 billion**, and loans at **$12.9 billion**.  **[0001471265_2210332_1]** 
- The company achieved a record **$168 million** in revenue for Q3 2025, marking over 20% year-over-year growth, and an improved net interest margin of **3.65%**.  **[0001471265_2210332_1]** 
- Q3 2025 GAAP EPS was **$0.02 per share**, while adjusted EPS stood at **$0.29 per share**.  **[0001471265_2210332_3]**  A quarterly dividend of **$0.20 per share** was declared.  **[0001471265_2210332_2]** 
- For Q4 2025, NWBI expects non-interest income between **$32 million-$33 million** and non-interest expense between **$102 million-$104 million**.  **[0001471265_2210332_6]**  Full merger cost savings are projected to be realized by **Q2 2026**.  **[0001471265_2210332_6]** 
- Strategic growth initiatives include the opening of new financial centers in the high-growth Columbus and Indianapolis markets.  **[0001471265_2210332_1]**

Northwest Bancshares Inc. Reports Q3 2025 Results, First Quarter Post-Merger

- Northwest Bancshares Inc. (NWBI) reported its first quarter as a combined entity following the Penns Woods Bancorp merger, which closed in late July 2025, with deal synergies and financial impacts meeting or exceeding expectations.  **[0001471265_2210172_1]** 
- For Q3 2025, the company achieved a **record revenue of $168.1 million** and an adjusted EPS of **$0.29 per share**.  **[0001471265_2210172_1]** **[0001471265_2210172_3]**  Total assets reached **$16.4 billion**, deposits **$13.7 billion**, and loans **$12.9 billion**.  **[0001471265_2210172_1]** 
- The net interest margin (NIM) improved by **nine basis points quarter-over-quarter to 3.65%**, and the adjusted efficiency ratio improved to **59.6%**.  **[0001471265_2210172_1]** **[0001471265_2210172_3]** 
- The company is strategically expanding with new de novo financial centers planned in high-growth Columbus and Indianapolis markets, and continues its commercial banking transformation, becoming a **top 50 SBA lender nationally** by volume.  **[0001471265_2210172_1]** 
- Credit quality remains tightly managed, with legacy Northwest classified loans decreasing by **$74 million** and annualized net charge-offs at **29 basis points** for the quarter, in line with expectations.  **[0001471265_2210172_2]** **[0001471265_2210172_5]** **[0001471265_2210172_6]**  A quarterly dividend of **$0.20 per share** was declared.  **[0001471265_2210172_2]**

Northwest Bancshares Inc. Reports Record Q3 2025 Revenue and Strong Merger Integration

- Northwest Bancshares, Inc. reported **GAAP net income of $3 million**, or **$0.02 per diluted share**, for the third quarter of 2025, which is a **$31 million decrease** compared to both the prior quarter and the same quarter last year.  **[1471265_0001471265-25-000156_a2025-09x30nwbi8ker.htm:0]** **[1471265_0001471265-25-000156_a2025-09x30nwbi8ker.htm:1]** 
- The company achieved **record total revenue of $168 million** in Q3 2025, representing **21% growth** over the prior year quarter.  **[1471265_0001471265-25-000156_a2025-09x30nwbi8ker.htm:0]** **[1471265_0001471265-25-000156_a2025-09x30nwbi8ker.htm:1]** 
- **Adjusted net income (non-GAAP)** for Q3 2025 was **$41 million**, or **$0.29 per diluted share**, largely influenced by the **acquisition of Penns Woods Bancorp, Inc.**.  **[1471265_0001471265-25-000156_a2025-09x30nwbi8ker.htm:1]**  This acquisition, completed on July 25, 2025, added **$2.2 billion of total assets** and **$1.6 billion in deposits**, but also led to a **$20.6 million Day 1 initial provision for credit losses** and **$31 million in merger and restructuring expenses**.  **[1471265_0001471265-25-000156_a2025-09x30nwbi8ker.htm:1]** **[1471265_0001471265-25-000156_a2025-09x30nwbi8ker.htm:3]** **[1471265_0001471265-25-000156_a2025-09x30nwbi8ker.htm:6]** 
- The Board of Directors declared a **quarterly cash dividend of $0.20 per share**, payable on November 18, 2025.  **[1471265_0001471265-25-000156_a2025-09x30nwbi8ker.htm:1]**

Northwest Bancshares Announces Q3 2025 Results, Impacted by Acquisition

- Northwest Bancshares, Inc. reported **net income of $3 million**, or **$0.02 per diluted share**, for the quarter ended September 30, 2025, a decrease from **$34 million**, or **$0.26 per diluted share**, in both the prior quarter and the same quarter last year.  **[1471265_20251027NE07633:0]** **[1471265_20251027NE07633:11]** 
- The company achieved **record total revenue of $168 million** for the quarter, representing **21% growth** over the prior year quarter, and year-to-date diluted EPS grew **15%** to **$0.61**.  **[1471265_20251027NE07633:0]** **[1471265_20251027NE07633:12]** 
- The third quarter results reflect the impact of the Penns Woods Bancorp, Inc. acquisition, completed on **July 25, 2025**, which added **$2.2 billion of total assets** and **$1.6 billion in deposits**.  **[1471265_20251027NE07633:0]** 
- The acquisition contributed to a **$17 million increase in net interest income** and a **$20.6 million Day 1 initial provision for credit losses**.  **[1471265_20251027NE07633:0]** **[1471265_20251027NE07633:2]** 
- The Board of Directors declared a quarterly cash dividend of **$0.20 per share**, payable on November 18, 2025.  **[1471265_20251027NE07633:0]**

Northwest Bancshares, Inc. Announces Q3 2025 Results and Penns Woods Acquisition Impact

- Northpointe Bancshares reported **net income of $20.1 million** or **$0.57 per diluted share** for the third quarter of 2025, with revenue reaching **$101.8 million**.  **[1471265_192bbeac80b1401cb0f6fc78b254a5a0]** 
- The company's Mortgage Purchase Program demonstrated substantial growth, funding **$9.8 billion in total loans** during Q3 2025 and increasing loan balances by **$1.7 billion year-over-year**.  **[1471265_192bbeac80b1401cb0f6fc78b254a5a0]** 
- Operational metrics improved, with **return on average equity rising to 14.23%** and stronger net interest income, alongside a **decrease in delinquent loans**.  **[1471265_192bbeac80b1401cb0f6fc78b254a5a0]**