Northwest Bancshares, Inc.

Listed Company

NWBICIK 0001471265NasdaqLarge AcceleratedNational Commercial BanksMarylandFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$126.01M

Total Assets

$16.77B

Equity

$1.89B

Shares Out

146.31M

Op. Cash Flow

$153.41M

+ 13F Filer

Business

Northwest Bancshares, Inc. is a bank holding company that conducts banking operations primarily through its subsidiary, Northwest Bank, providing community-oriented financial services. It offers deposit products, consumer and commercial loans, residential mortgages, home equity loans and lines of credit, investment management, trust services and mortgage servicing and sales. Key business segments include retail community banking, commercial finance and commercial real estate lending, mortgage origination and servicing, treasury and investment activities, and several statutory business trusts and banking subsidiaries. The company distributes services through a network of community banking branches, a mortgage fulfillment center, digital channels and the secondary mortgage market across Pennsylvania, western New York, northeastern Ohio and Indiana.

Summary from filing dated 2025-02-25

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Loans receivable	681	616	544	408	390
Mortgage-backed securities	51	40	33	31	21
Taxable investment securities	4	3	3	3	3
Tax-free investment securities	3	2	2	3	2
FHLB stock dividends	2	2	3	730,000	407,000
Interest-earning deposits	9	6	3	4	1
Total interest income	750	669	588	449	419
Deposits	199	205	105	14	19
Borrowed funds	25	28	47	14	8
Total interest expense	224	234	152	28	—
Net interest income	525	436	436	421	391
Provision for credit losses - loans	57	28	19	18	−12
Provision for credit losses - unfunded commitments	−1	−3	4	10	−4
Net interest income after provision for credit losses	470	411	413	392	407
Gain/(loss) on sale of investments	178,000	−39	−8	−8,000	−176,000
Gain on sale of mortgage servicing rights	0	0	8	0	0
Gain on sale of SBA loans	3	4	2	0	0
Gain on sale of loans	0	0	726,000	0	0
Service charges and fees	65	63	59	55	52
Trust and other financial services income	32	30	27	28	28
Gain on real estate owned, net	622,000	887,000	2	603,000	442,000
Income from bank-owned life insurance	13	6	9	7	6
Mortgage banking income	3	2	2	5	16
Other operating income	12	20	12	15	12
Total noninterest income	129	87	114	111	143
Compensation and employee benefits	238	214	196	188	194
Premises and occupancy costs	31	29	29	30	31
Office operations	14	12	13	13	14
Collections expense	3	2	2	2	2
Processing expenses	58	59	59	52	56
Marketing expenses	9	9	9	9	8
Federal deposit insurance premiums	12	12	9	5	5
Professional services	13	15	18	15	18
Amortization of intangible assets	5	2	3	4	6
Merger, asset disposition and restructuring expense	43	6	7	6	3
Other expenses	11	7	7	5	12
Total noninterest expense	436	369	352	330	349
Income before income taxes	163	130	175	174	201
Federal	28	22	31	31	35
State	9	7	9	9	11
Total provision for income taxes	37	29	40	40	47
Net income	126	100	135	134	154
Basic earnings per share (in dollars per share)	0.93	0.79	1.06	1.05	1.22
Diluted earnings per share (in dollars per share)	0.92	0.79	1.06	1.05	1.21

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and cash equivalents	234	288	122	139	1,279
Marketable securities available-for-sale (amortized cost of $1,710,978 and $1,278,665, respectively)	1,586	1,109	1,043	1,218	1,549
Marketable securities held-to-maturity (fair value of $605,929 and $637,948, respectively)	683	751	815	881	768
Total cash and cash equivalents and marketable securities	2,503	2,148	1,980	2,239	3,596
Loans held-for-sale	22	76	9	10	25
Loans held for investment	13,007	11,180	11,406	10,911	9,991
Allowance for credit losses	−150	−117	−125	−118	−102
Loans receivable, net	12,857	11,063	11,281	10,802	9,914
FHLB stock, at cost	37	21	30	40	14
Accrued interest receivable	56	46	47	36	26
Real estate owned, net	76,000	35,000	104,000	413,000	873,000
Premises and equipment, net	140	124	139	146	157
Bank-owned life insurance	294	253	252	255	256
Goodwill	444	381	381	381	381
Other intangible assets, net	40	3	5	9	13
Other assets	372	292	294	206	144
Total assets	16,767	14,408	14,419	14,113	14,502
Deposits	13,943	12,145	11,980	11,465	12,301
Total borrowed funds	446	200	—	—	—
Subordinated debt	115	115	114	114	124
Junior subordinated debentures	130	130	130	129	129
Advances by borrowers for taxes and insurance	37	42	45	48	45
Accrued interest payable	7	7	14	3	2
Other liabilities	198	173	186	182	179
Total liabilities	14,876	12,811	12,868	12,622	12,918
Preferred stock, $0.01 par value: 50,000,000 authorized, no shares issued	0	0	0	0	0
Common stock, $0.01 par value: 500,000,000 shares authorized, 146,107,964 and 127,508,003 shares issued and outstanding, respectively	1	1	1	1	1
Additional paid-in capital	1,270	1,033	1,025	1,020	1,010
Retained earnings	689	673	675	642	610
Accumulated other comprehensive loss	−71	−111	−149	−171	−38
Total shareholders equity	1,890	1,597	1,551	1,491	1,584
Total liabilities and shareholders equity	16,767	14,408	14,419	14,113	14,502

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Provision for credit losses	56	25	23	28	−16
(Gain)/loss on sale of investments	−178,000	39	8	—	—
Net (gain)/loss on sale of assets	−132,000	−12	2	42,000	−1
Mortgage banking activity	−4	−3	−895,000	−4	−20
Gain on sale of SBA loans	−3	−4	−2	—	—
Net depreciation, amortization and accretion	136,000	21	24	6	7
Increase in other assets	−30	−2	−118	−34	22
Increase in other liabilities	11	8	22	20	8
Net amortization on marketable securities	−511,000	676,000	3	5	8
Noncash compensation expense related to stock benefit plans	6	6	5	4	5
Noncash write-down of real estate owned	325,000	7	100,000	54,000	173,000
Deferred income tax (benefit)/expense	−6	3	−5	—	—
Origination of loans held-for-sale	−196	−268	−199	−363	−753
Proceeds from sale of loans held-for-sale	193	207	204	384	805
Net cash provided by operating activities	153	128	93	175	205
Purchase of marketable securities available-for-sale	−496	−438	−24	−102	−705
Proceeds from maturities and principal reductions of marketable securities held-to-maturity	66	63	66	99	68
Proceeds from maturities and principal reductions of marketable securities available-for-sale	146	84	103	232	449
Proceeds from sale of marketable securities available-for-sale	79	276	101	0	60
Proceeds from bank-owned life insurance	776,000	874,000	13	5	4
Proceeds from sale of mortgage servicing rights	0	0	13	0	0
Loan originations	−4,361	−3,015	−3,964	−4,586	−3,962
Proceeds from loan maturities and principal reductions	4,403	3,196	3,447	4,047	4,490
Net redemptions of FHLB stock	14	9	10	−26	8
Proceeds from sale of real estate owned	896,000	1	3	2	3
Purchases of premises and equipment, net	−12	−2	−9	−4	−18
Acquisitions, net of cash received	31	0	0	0	0
Net cash (used in)/provided by investing activities	−127	175	−240	−917	−233
Net increase in deposits	181	165	515	−837	702
Repayments of long-term borrowings	−35	0	0	−10	−22
Net decrease in short-term borrowings	−113	−199	−282	542	1
Decrease in advances by borrowers for taxes and insurance	−5	−3	−2	3	−648,000
Cash dividends paid on common stock	−110	−102	−102	−101	−100
Proceeds from stock options exercised	930,000	2	630,000	5	14
Net cash (used in)/provided by financing activities	−81	−137	130	−398	570
Net (decrease)/increase in cash and cash equivalents	−55	166	−17	−1,140	543
Interest on deposits and borrowings (including interest credited to deposit accounts of $200,661, $170,754, and $86,316, respectively)	224	240	142	27	27
Income taxes	41	28	48	39	34
Fair value of assets acquired	2,269	0	0	0	0
Northwest Bancshares, Inc. common stock issued	−230	0	0	0	0
Net cash paid	−4	0	0	0	0
Liabilities assumed	2,035	0	0	0	0
Loan foreclosures and repossessions	4	4	4	4	5
Sale of real estate owned financed by the Company	0	0	70,000	175,000	54,000

Filings

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Holdings (13F)

Portfolio as of 2026-01-14 · 297 positions

Reported AUM

$520.15M

Holdings

297

Top sector

$520.15M

Top sectors

Sector	Value	% of portfolio
Uncategorized	$520.15M	100.0%

Top holdings

Issuer	Ticker	Shares	Value	%
SCHWAB STRATEGIC TR	—	1.25M	$73.29M	14.1%
VANGUARD SCOTTSDALE FDS	—	429.5K	$33.54M	6.5%
ISHARES TR	—	37.1K	$16.84M	3.2%
MICROSOFT CORP	—	47.2K	$14.55M	2.8%
APPLE INC	—	73.5K	$12.82M	2.5%
ABBVIE INC	—	57.2K	$9.27M	1.8%
PROCTER AND GAMBLE CO	—	49.4K	$7.55M	1.4%
CISCO SYS INC	—	128.8K	$7.18M	1.4%
LOCKHEED MARTIN CORP	—	16.2K	$7.14M	1.4%
CHECK POINT SOFTWARE TECH LT	—	48.3K	$6.68M	1.3%

Frequently asked questions

What is Northwest Bancshares, Inc.'s CIK number?

Northwest Bancshares, Inc.'s SEC CIK number is 0001471265 (1471265). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find Northwest Bancshares, Inc.'s SEC filings?

All of Northwest Bancshares, Inc.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did Northwest Bancshares, Inc. last report earnings?

Northwest Bancshares, Inc. (NWBI) most recently filed an earnings 8-K with the SEC on Apr 27, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001471265-26-000014). This is Northwest Bancshares, Inc.'s most recent earnings filing of record — not a forecast of its next earnings date.

What is Northwest Bancshares, Inc.'s most recent earnings 8-K?

Northwest Bancshares, Inc.'s latest earnings 8-K (Item 2.02) was filed Apr 27, 2026 under accession 0001471265-26-000014. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

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