Earnings summaries and quarterly performance for Northwest Bancshares.
Executive leadership at Northwest Bancshares.
Louis J. Torchio
Detailed
President and Chief Executive Officer
CEO
CA
Carey A. Barnum
Detailed
Chief Auditor
DT
Devin T. Cygnar
Detailed
Chief Marketing and Communications Officer
DM
Douglas M. Schosser
Detailed
Chief Financial Officer
GJ
Gregory J. Betchkal
Detailed
Chief Risk Officer
JM
Jacques M. DesMarteau
Detailed
Chief Commercial Banking Officer
JM
James M. Colestro
Detailed
Chief Retail Lending Officer
KP
Kyle P. Kane
Detailed
Chief People Officer
RK
Richard K. Laws
Detailed
Chief Legal Counsel and Corporate Secretary
SJ
Scott J. Watson
Detailed
Chief Information Officer
TK
Thomas K. Creal IV
Detailed
Chief Credit Officer
UT
Urich T. Bowers
Detailed
Chief Consumer Banking and Strategy Officer
Board of directors at Northwest Bancshares.
AL
Amber L. Williams
Detailed
Director
DM
David M. Tullio
Detailed
Director
DJ
Deborah J. Chadsey
Detailed
Director
JP
John P. Meegan
Detailed
Director
MA
Mark A. Paup
Detailed
Director
PA
Pablo A. Vegas
Detailed
Director
RA
Richard A. Grafmyre
Detailed
Director
RM
Robert M. Campana
Detailed
Director
TB
Timothy B. Fannin
Detailed
Chairman of the Board
TM
Timothy M. Hunter
Detailed
Vice Chairman of the Board
WR
Wilbur R. Davis
Detailed
Director
Research analysts who have asked questions during Northwest Bancshares earnings calls.
MB
Matthew Breese
Stephens Inc.
8 questions for NWBI
Also covers: CAC, CBU, CNOB +13 more
Daniel Tamayo
Raymond James Financial, Inc.
6 questions for NWBI
Also covers: ASB, CNOB, FBIZ +13 more
MN
Manuel Navas
D.A. Davidson & Co.
4 questions for NWBI
Also covers: ABCB, BFST, BPOP +20 more
TS
Tim Switzer
Keefe, Bruyette & Woods (KBW)
4 questions for NWBI
Also covers: CASH, CIVB, CNOB +12 more
DC
Daniel Cardenas
Janney Montgomery Scott LLC
3 questions for NWBI
Also covers: CAC, CIVB, FCF +4 more
BF
Brian Faran
Truist Securities
2 questions for NWBI
DC
Dan Cardenas
Janney Montgomery Scott
2 questions for NWBI
Also covers: FCF, ORRF, PEBO
David Bishop
Hovde Group
2 questions for NWBI
Also covers: AUB, BHLB, BKU +12 more
Jeff Rulis
D.A. Davidson & Co.
2 questions for NWBI
Also covers: ALRS, BANR, BMRC +17 more
TD
Tim DeLacey
Raymond James
2 questions for NWBI
Timothy Switzer
KBW
2 questions for NWBI
Also covers: CASH, CIVB, CNOB +14 more
BF
Brian Firraldi
Piper Sandler & Co.
1 question for NWBI
FS
Frank Schiraldi
Piper Sandler
1 question for NWBI
Also covers: BPOP, CASH, CBU +14 more
KG
Kyle Gehrman
Hovde Group
1 question for NWBI
Kyle Gierman
Hovde Group
1 question for NWBI
Also covers: FULT, ORRF, UCB
Recent press releases and 8-K filings for NWBI.
Northwest Bancshares Reports Strong Q4 2025 Results and Provides 2026 Outlook
NWBI
Earnings
Guidance Update
M&A
- Northwest Bancshares (NWBI) reported GAAP EPS of $0.31 per share and adjusted EPS of $0.33 per share for Q4 2025, with net interest margin improving to 3.69% and total revenue increasing 7% quarter-over-quarter.
- For the full year 2025, the company achieved record revenue of $655 million and double-digit EPS growth, following the successful acquisition and integration of Penns Woods, which positioned NWBI among the top 100 U.S. banks by assets.
- NWBI provided a 2026 outlook expecting revenues between $710 million-$730 million, net interest margin in the low 3.70s, and non-interest expense in the $420 million-$430 million range.
- The company projects low-to-mid single-digit loan growth and low single-digit deposit growth for 2026, with 100% of merger cost savings from the Penns Woods acquisition anticipated by Q1 2026, ahead of schedule.
- Management is currently focused on organic growth and successful integration of the recent acquisition, indicating no imminent plans for further whole bank M&A in the near term.
Jan 27, 2026, 2:00 PM
Northwest Bancshares Reports Strong Q4 and Full-Year 2025 Results, Provides 2026 Outlook
NWBI
Earnings
Guidance Update
M&A
- Northwest Bancshares reported diluted EPS of $0.31 and adjusted diluted EPS of $0.33 for Q4 2025, contributing to full-year 2025 diluted EPS of $0.92 and adjusted diluted EPS of $1.26.
- The company achieved record total revenue of $655 million for the full year 2025, a 25.3% increase year-over-year, with Q4 2025 revenue reaching $180.0 million. The net interest margin (NIM) for Q4 2025 was 3.69%, up 4 basis points QoQ.
- As of December 31, 2025, total assets stood at $16.8 billion, total loans at $13.0 billion, and total deposits at $13.9 billion, with average total deposits growing $475 million QoQ.
- Credit quality metrics included an allowance for credit losses (ACL) coverage of 1.15% and quarterly annualized net charge-offs of 40 bps in Q4 2025. Total loan delinquency increased from 1.10% to 1.50% QoQ, while 90-day plus delinquency declined to 0.51% QoQ.
- For fiscal year 2026, Northwest Bancshares projects revenue between $710 million and $730 million, a net interest margin in the low 370s bps, and loan growth in the low to mid single digits.
Jan 27, 2026, 2:00 PM
Northwest Bancshares Inc. Reports Q4 2025 Results and Provides 2026 Outlook
NWBI
Earnings
Guidance Update
M&A
- Northwest Bancshares Inc. reported Q4 2025 GAAP EPS of $0.31 per share and adjusted EPS of $0.33 per share, with net interest margin improving to 3.69% and total revenue increasing 7% quarter over quarter.
- The company successfully acquired and integrated Penns Woods, becoming one of the top 100 banks in the U.S. by assets, and expanded its financial center network.
- NWBI strengthened its commercial banking business, achieving 26% year-over-year average C&I loan growth and becoming a top 50 SBA originator in 2025.
- For 2026, the company projects revenues between $710 million and $730 million, net interest margin in the low 3.70s, and loan growth in the low-to-mid single digits.
- In 2025, NWBI returned over half of its profits to shareholders, paying a quarterly dividend of $0.20 per share for the 125th consecutive quarter.
Jan 27, 2026, 2:00 PM
Northwest Bancshares Inc. Reports Q4 2025 Results and Provides 2026 Guidance
NWBI
Earnings
Guidance Update
M&A
- Northwest Bancshares Inc. (NWBI) reported Q4 2025 GAAP EPS of $0.31 per share and adjusted EPS of $0.33 per share, with net interest margin improving to 3.69% and total revenue increasing 7% quarter-over-quarter.
- The company successfully integrated the Penns Woods acquisition, becoming a top 100 bank by assets, and anticipates achieving 100% of merger cost savings in Q1 2026, ahead of schedule.
- For the full year 2026, NWBI projects revenues between $710 million and $730 million, a net interest margin in the low 3.70s, and low-to-mid single-digit loan growth.
- NWBI returned over half of its profits to shareholders through a quarterly dividend of $0.20 per share, marking its 125th consecutive cash dividend.
- Management's primary focus for 2026 is organic growth, with no imminent plans for whole bank M&A as they prioritize successful integration and strong results from the recent acquisition.
Jan 27, 2026, 2:00 PM
Northwest Bancshares, Inc. Announces Fourth Quarter and Full Year 2025 Results
NWBI
Earnings
Dividends
Revenue Acceleration/Inflection
- Northwest Bancshares, Inc. reported net income of $46 million, or $0.31 per diluted share, for the fourth quarter of 2025, with adjusted net income of $49 million, or $0.33 per diluted share.
- The company achieved record quarterly total revenue of $180 million, a 17% growth from the prior year, contributing to a full-year 2025 record revenue of $655 million and year-to-date EPS of $0.92 per diluted share, a 16% growth from the prior year.
- Net interest margin expanded to 3.69% in Q4 2025, up from 3.65% in the prior quarter, driven by an increase in net interest income to $142,166 thousand.
- The Board of Directors declared a quarterly cash dividend of $0.20 per share, representing an annualized dividend yield of approximately 6.7% as of December 31, 2025.
Jan 26, 2026, 9:06 PM
Northwest Bancshares, Inc. Announces Fourth Quarter and Full Year 2025 Results
NWBI
Earnings
Dividends
M&A
- Northwest Bancshares, Inc. reported net income of $46 million, or $0.31 per diluted share, for the quarter ended December 31, 2025, with adjusted net income (non-GAAP) of $49 million, or $0.33 per diluted share.
- The company achieved record quarterly total revenue of $180 million and record full-year 2025 revenue of $655 million.
- The net interest margin expanded to 3.69% for the quarter ended December 31, 2025.
- A quarterly cash dividend of $0.20 per share was declared, payable on February 18, 2026.
- All quarterly results were impacted by a full quarter of the acquisition of Penns Woods Bancorp, Inc., which closed in late July 2025.
Jan 26, 2026, 9:05 PM
Northwest Bancshares Reports Q3 2025 Results and Provides Q4 2025 Outlook
NWBI
Earnings
Guidance Update
M&A
- 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.
- The company's adjusted EPS for Q3 2025 was $0.29 per share, with the net interest margin improving to 3.65%.
- 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.
- 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.
- 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.
Oct 28, 2025, 1:00 PM
Northwest Bancshares Reports Record Q3 2025 Revenue and Successful Acquisition Integration
NWBI
Earnings
M&A
Guidance Update
- 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.
- 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.
- Diluted Earnings Per Share (GAAP) for Q3 2025 was $0.02, while adjusted diluted EPS (non-GAAP) was $0.29.
- 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.
- 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.
Oct 28, 2025, 1:00 PM
Northwest Bancshares Inc. Reports Q3 2025 Results, First Quarter Post-Merger
NWBI
Earnings
M&A
Guidance Update
- 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.
- 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%.
- Q3 2025 GAAP EPS was $0.02 per share, while adjusted EPS stood at $0.29 per share. A quarterly dividend of $0.20 per share was declared.
- For Q4 2025, NWBI expects non-interest income between $32 million-$33 million and non-interest expense between $102 million-$104 million. Full merger cost savings are projected to be realized by Q2 2026.
- Strategic growth initiatives include the opening of new financial centers in the high-growth Columbus and Indianapolis markets.
Oct 28, 2025, 1:00 PM
Northwest Bancshares Inc. Reports Record Q3 2025 Revenue and Strong Merger Integration
NWBI
Earnings
M&A
Guidance Update
- 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.
- For Q3 2025, the company achieved a record revenue of $168.1 million and an adjusted EPS of $0.29 per share. Total assets reached $16.4 billion, deposits $13.7 billion, and loans $12.9 billion.
- 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%.
- 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.
- 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. A quarterly dividend of $0.20 per share was declared.
Oct 28, 2025, 1:00 PM
Quarterly earnings call transcripts for Northwest Bancshares.
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