Northwest Bancshares (NWBI) appears an attractive pick, as it has been recently upgraded to a Zacks Rank #1 (Strong Buy). This upgrade primarily reflects an upward trend in earnings estimates, which is one of the most powerful forces impacting stock prices.The sole determinant of the Zacks rating is a company's changing earnings picture. The Zacks Consensus Estimate -- the consensus of EPS estimates from the sell-side analysts covering the stock -- for the current and following years is tracked by the syste ...

COLUMBUS, Ohio, Dec. 17, 2024 /PRNewswire/ -- Northwest Bancshares, Inc. ("Northwest") (NASDAQ: NWBI) the bank holding company for Northwest Bank, and Penns Woods Bancorp, Inc. ("Penns Woods") (NASDAQ: PWOD), the multi-bank holding company of Jersey Shore State Bank and Luzerne Bank,  jointly announced today that they have entered into a definitive Agreement and Plan of Merger ("Agreement") whereby Northwest will acquire Penns Woods in an all-stock transaction valued at approximately $270.4 million. Combini ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2024 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number 001-34582 | --- | --- | --- | |----------------------------------------------------|------------------------------------- ...

财务数据和关键指标变化 - 公司在2024年第三季度报告的净收入为3360万美元，每股摊薄收益为0.26美元 [9] - 净利息收益率（NIM）较上季度提高了13个基点，达到3.33% [9][13] - 存款同比增长3.2%，贷款组合基本持平 [9][12] 各条业务线数据和关键指标变化 - 商业和工业贷款较上季度增长2.8%，同比增长25.7% [11] - 住宅抵押贷款较去年下降1.9亿美元，降幅为5.5% [11] - 非利息收入较上季度减少300万美元，主要由于股权投资损失和SBA贷款销售收益下降 [10][14] 各个市场数据和关键指标变化 - 存款成本仅上升2个基点，达到1.78%，在同行中处于最佳水平 [12] - 商业贷款集中度多样化，强有力的承销帮助公司避免了许多商业房地产特有的问题 [17] 公司战略和发展方向和行业竞争 - 公司致力于有机增长和通过收购实现负责任的增长，正在与其他银行领导和投资银行家进行频繁讨论，以为未来机会做好准备 [6][29] - 公司计划在哥伦布和印第安纳波利斯等快速增长市场进行分支扩展，并已招聘商业贷款专员 [30] 管理层对经营环境和未来前景的评论 - 管理层对当前的信贷质量环境表示乐观，预计未来将趋向于长期平均水平 [24] - 公司预计在商业领域，特别是商业和工业贷款方面将继续实现低个位数的贷款增长 [17] 其他重要信息 - 公司宣布将每股派发0.20美元的季度股息，记录日期为2024年11月8日 [7] - 公司在第三季度的效率比率改善至64.8%，反映出成本的减少 [15] 问答环节所有提问和回答 问题: 关于费用收入的指导 - 公司将在2025年全面第四季度结果时提供更多指导，目前预计费用收入将回归到正常水平 [21][22] 问题: 信贷方面的正常化净损失指导上升的原因 - 这是基于对长期正常水平的指导，当前信贷质量环境良好，预计将逐步回归长期平均水平 [24][25] 问题: M&A目标的财务标准和地理位置 - 公司关注其四州市场的机会，目标在10亿到30亿美元的收购规模，确保交易的高增值性 [28][29] 问题: C&I贷款的增长速度 - 公司计划继续增加C&I贷款的比例，尽管没有具体目标，但希望在未来实现更均衡的贷款组合 [43][46] 问题: 信贷质量的分类水平增加是否会导致拨备增加 - 目前不预计长期护理组合的拨备会有显著增加 [57]

Northwest Bancshares (NWBI) reported $139.14 million in revenue for the quarter ended September 2024, representing a year-over-year decline of 0.1%. EPS of $0.26 for the same period compares to $0.31 a year ago. The reported revenue compares to the Zacks Consensus Estimate of $140.8 million, representing a surprise of -1.18%. The company has not delivered EPS surprise, with the consensus EPS estimate being $0.26. While investors scrutinize revenue and earnings changes year-over-year and how they compare wit ...

Northwest Bancshares (NWBI) came out with quarterly earnings of $0.26 per share, in line with the Zacks Consensus Estimate. This compares to earnings of $0.31 per share a year ago. These figures are adjusted for non-recurring items. A quarter ago, it was expected that this holding company for Northwest Savings Bank would post earnings of $0.23 per share when it actually produced earnings of $0.27, delivering a surprise of 17.39%. Over the last four quarters, the company has surpassed consensus EPS estimates ...

财务表现 - 第三季度净收入为3400万美元，每股摊薄收益为0.26美元[1] - 公司第三季度净收入为3361.8万美元[22] - 公司第三季度每股摊薄调整后经营收益为0.26美元[22] 净息差和利息收支 - 净息差扩大13个基点至3.33%，其中包括4个基点来自利息回收[1] - 2024年9月30日季度利息收入总额为1.71亿美元[19] - 2024年9月30日季度利息支出总额为6,008万美元[19] - 2024年9月30日季度净利息收入为1.113亿美元[19] - 2024年前三季度利息收入总额为4.98亿美元[20] - 2024年前三季度利息支出总额为1.77亿美元[20] - 2024年前三季度净利息收入为3.21亿美元[20] 存款和借款 - 平均存款增长1000万美元，资金成本保持稳定[1] - 平均贷款增长0.3%，主要来自商业银行组合的增长[4] - 平均投资下降5.6%，主要由于投资组合重组和现金流再投资[4] - 平均存款增长3.2%，主要来自定期存款的增加[4] - 平均借款大幅下降65.7%，主要由于偿还了大量批发借款[4] - 公司存款总额为12,071,079千美元，较上年末增加0.8%[17] - 公司存款组合中无担保存款占总存款的11.7%[29] - 公司最大的无担保存款客户存款余额为1960万美元，占总存款的0.16%[29] - 公司前10大无担保存款客户的存款余额合计为1.03亿美元，占总存款的0.85%[29] - 公司平均无担保存款账户余额为28.5万美元[29] - 公司存款组合中个人活期无息存款占10.9%，商业活期无息存款占10.5%[30] - 公司存款组合中个人活期计息存款占11.1%，商业活期计息存款占11.0%[30] - 公司存款组合中个人货币市场存款占11.6%，商业货币市场存款占4.6%[30] - 公司存款组合中储蓄存款占17.8%，定期存款占22.5%[30] - 公司平均存款账户余额为1.8万美元[30] - 公司受保存款余额为4.87亿美元[30] 费用管理 - 非利息支出下降200万美元，得益于严格的费用管理[1] - 公司第三季度非利息支出(不含摊销及并购重组费用)占平均资产的年化比率为2.50%[27] 资产质量 - 贷款损失准备金增加386.5%，主要由于商业贷款组合的增长和经济预测变化[8] 盈利能力 - 公司第三季度税前利润为43,493千美元，较上一季度增长632.0%，但较去年同期下降14.2%[13] - 第三季度净利润为33,618千美元，较上一季度增长608.2%，但较去年同期下降14.3%[13,14] - 公司第三季度平均股东权益为15.73亿美元[22] - 公司第三季度平均资产为143.52亿美元[22] - 公司第三季度年化平均股权收益率为8.50%[22] - 公司第三季度年化平均资产收益率为0.93%[22] 资本和流动性 - 公司拥有充足的流动性和资本水平[16] - 公司股东权益为1,591,325千美元，较上年末增加2.6%[17] - 公司每股净资产为12.49美元，每股有形净资产为9.47美元[17] - 公司第三季度有形普通股权益为12.07亿美元[23] - 公司第三季度有形资产为139.70亿美元[23] - 公司第三季度有形普通股权益/有形资产比率为8.64%[23] - 公司股票收盘价为13.38美元，较上一季度上涨7.2%[17] - 公司商誉为380,997千美元，未发生减值[17] - 公司总资产为14,354,325千美元，较上年末增加0.4%[17] - 公司有141家银行网点，员工人数为1,975人[17] 其他 - 连续120个季度派发0.20美元的现金股利[1,3] - 公司第三季度非利息收入为2,783万美元[19] - 公司第三季度非利息支出为9,077万美元[19] - 公司前三季度非利息收入为4,695万美元[20] - 公司前三季度非利息支出为2.73亿美元[20]

Net interest margin expands 13 basis points to 3.33%, inclusive of 4bps from an interest recovery Average deposits grew $10 million while cost of funds remained stable Noninterest expense declines $2 million due to disciplined expense management 120th consecutive quarterly dividend of $0.20 per share declared COLUMBUS, Ohio, Oct. 29, 2024 /PRNewswire/ -- Northwest Bancshares, Inc., (the "Company"), (NasdaqGS: NWBI) announced net income for the quarter ended September 30, 2024 of $34 million, or $0.26 per di ...

Usually when I write a company a ‘hold’, it is because I expect performance to more or less match the broader market for the foreseeable future. A good example of this playing out can be seen by looking at NorthwestCrude Value Insights offers you an investing service and community focused on oil and natural gas. We focus on cash flow and the companies that generate it, leading to value and growth prospects with real potential.Subscribers get to use a 50+ stock model account, in-depth cash flow analyses of E ...

COLUMBUS, Ohio, Oct. 8, 2024 /PRNewswire/ -- Northwest Bancshares, Inc. (NASDAQ: NWBI) will host a conference call to review third-quarter 2024 financial results on Tuesday, October 29 at 9:00 a.m. (EDT). The results are scheduled to be released at approximately 7:30 a.m. (EDT). The live audio webcast and presentation slides will be available on www.northwest.com under Investor Relations, Events & Presentations. Northwest will notify the public that financial results have been issued through its social medi ...