Northwest Bancshares, Inc. Financial Ratios — NHS Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	5.21	5.55	5.83	5.59	5.44	4.26	7.94	8.56	8.46	5.18	9.89	8.69	8.87	6.37	7.23
Return on Assets (%)	0.8	0.8	0.84	0.79	0.72	0.53	1	1.11	1.1	0.62	1.09	0.93	0.95	0.7	0.81
Return on Capital (%)	3.02	3.13	3.15	2.95	2.81	2.7	6.62	6.96	6.64	4.08	7.86	6.09	5.86	4.74	5.45
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	27.97	27.88	29.13	26.46	26.91	18.27	31	31.28	30.86	17.77	39.68	32.79	31.96	24.89	24.97
Profit Margin (%)	19.71	19.72	20.9	19.57	18.41	12.73	21.55	24.64	24.15	14.38	30.44	25.23	24.64	19.27	19.33
Net Income to Common Margin (%)	19.71	19.72	20.9	19.57	18.41	12.73	21.55	24.64	24.15	14.38	30.44	25.23	24.64	19.27	19.33
Effective Tax Rate (%)	29.51	29.28	28.24	26.02	31.59	30.36	30.49	21.22	21.74	19.1	23.27	23.04	22.92	22.59	22.59
Dvd Payout Ratio (%)	68.03	89.7	68.92	241.97	87.26	121.12	69.03	66.28	68.98	124.42	64.98	75.91	75.33	101.57	87.22
Sustainable Growth Rate (%)	1.67	0.57	1.81	-7.93	0.69	-0.9	2.46	2.89	2.62	-1.26	3.46	2.09	2.19	-0.1	0.92

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	799	963	985	991	1,086	254	219	346	368	412	392	924	643	445	691
ST Debt	- -	- -	156	163	119	143	108	234	93	138	139	681	399	200	341
LT Debt	799	963	829	828	968	111	111	111	275	274	253	243	244	244	350
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	14.51	14.21	14.66	13.67	12.99	12.16	12.9	13.09	12.9	11.14	10.92	10.57	10.76	11.08	11.27
Long-Term Debt/Equity (%)	69.16	85.35	71.72	77.96	83.18	9.5	9.21	8.84	20.35	17.82	15.95	16.3	15.71	15.3	18.53
Long-Term Debt/Capital (%)	40.88	46.05	38.72	40.34	43.01	7.81	7.79	6.94	16	14.06	12.79	10.07	11.11	11.97	13.57
Long-Term Debt/Total Assets (%)	10.04	12.13	10.51	10.66	10.81	1.16	1.19	1.16	2.62	1.99	1.74	1.72	1.69	1.7	2.09
Total Debt/Equity (%)	69.16	85.35	85.25	93.28	93.39	21.71	18.17	27.48	27.2	26.77	24.74	61.97	41.43	27.85	36.56
Total Debt/Capital (%)	40.88	46.05	46.02	48.26	48.29	17.84	15.38	21.56	21.39	21.11	19.83	38.26	29.29	21.78	26.77
Total Debt/Total Assets (%)	10.04	12.13	12.5	12.75	12.13	2.64	2.34	3.6	3.51	2.98	2.7	6.55	4.46	3.09	4.12
Net Debt to Equity	9.61	45.38	51.37	70.68	79.05	-11.6	11.74	22.01	22.71	-21.09	-56.05	52.63	33.55	9.79	24.2
Net Debt/Capital (%)	8.77	31.21	33.94	41.41	44.15	-13.12	10.5	18.04	18.51	-26.72	-127.51	34.48	25.12	8.92	19.49
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	14.51	14.21	14.66	13.67	12.99	12.16	12.9	13.09	12.9	11.14	10.92	10.57	10.76	11.08	11.27
Long-Term Debt/Equity (%)	69.16	85.35	71.72	77.96	83.18	9.5	9.21	8.84	20.35	17.82	15.95	16.3	15.71	15.3	18.53
Long-Term Debt/Capital (%)	40.88	46.05	38.72	40.34	43.01	7.81	7.79	6.94	16	14.06	12.79	10.07	11.11	11.97	13.57
Long-Term Debt/Total Assets (%)	10.04	12.13	10.51	10.66	10.81	1.16	1.19	1.16	2.62	1.99	1.74	1.72	1.69	1.7	2.09
Total Debt/Equity (%)	69.16	85.35	85.25	93.28	93.39	21.71	18.17	27.48	27.2	26.77	24.74	61.97	41.43	27.85	36.56
Total Debt/Capital (%)	40.88	46.05	46.02	48.26	48.29	17.84	15.38	21.56	21.39	21.11	19.83	38.26	29.29	21.78	26.77
Total Debt/Total Assets (%)	10.04	12.13	12.5	12.75	12.13	2.64	2.34	3.6	3.51	2.98	2.7	6.55	4.46	3.09	4.12
CFO/Total Liabilities	1.74	1.86	1.94	1.35	1.45	1.61	1.86	1.66	1.39	1.14	1.59	1.39	0.72	1	1.03
CFO/CapEx	9.55	6.96	6.72	9.09	8.56	8.91	40.82	26.54	11.69	11.46	11.73	40.61	10.85	55.31	13.19
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	12.81	13.42	15	16.76	16.57	18.25	19.46	17.9	18.2	16.99	16.58	17.33	13.22	11.11	12.7
Days Sales Outstanding	28.5	27.2	24.34	21.78	22.03	20	18.75	20.39	20.05	21.49	22.02	21.06	27.61	32.86	28.74
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,645	1,750
- Cash & Cash Equivalents	688	451	391	240	167	390	78	69	61	736	1,279	139	122	288	234
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	799	963	985	991	1,086	254	219	346	368	412	392	924	643	445	691
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	693	621
Total Capital	1,954	2,092	2,140	2,054	2,249	1,425	1,427	1,603	1,721	1,951	1,975	2,416	2,194	2,042	2,582
Total Debt/Capital (%)	40.88	46.05	46.02	48.26	48.29	17.84	15.38	21.56	21.39	21.11	19.83	38.26	29.29	21.78	26.77
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.64	1.11
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.33	0.95
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.43	4.05
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.53	4.38
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,638	1,633
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	685	504
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.43	4.26
TTM Sales	325	321	318	317	329	390	438	428	457	521	507	530	548	520	652
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	119	127	130	91	113	136	152	139	127	140	205	175	93	128	153
TTM Free Cash Flow to Firm	106	109	111	81	100	120	148	134	117	128	188	171	84	125	142

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.07	11.52
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	693	621
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.37	10.62
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.33	0.95
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.33	12.88
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	15.74	13.08
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	19	14.33
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.12	11.42
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.03	0.93
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.99	0.94
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.2	1.03
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.83	0.82
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.36	1.24
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.31	1.26
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.58	1.38
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.09	1.1
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.15	2.49
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.03	2.53
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.66	2.77
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.53	2.21
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.83	10.58
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.36	10.74
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	14.93	11.77
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.3	9.38
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.59	11.7
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	15.2	12.81
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.49	10.21
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.22	0.99
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.85	1.25
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.71	0.65
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.91	11.98
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	15.02	13.33
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	633	648
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	962	818
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	369	423

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	97	94	94	95	102	102	102	103	107	127	127	127	127	127	146
Diluted Weighted Avg Shares	100	94	91	92	95	101	103	104	106	120	127	127	127	127	136
Basic Weighted Avg Shares	100	94	91	91	94	99	101	102	105	120	126	127	127	127	135
Revenue per Share	3.26	3.42	3.51	3.46	3.49	3.93	4.34	4.2	4.36	4.33	4.01	4.16	4.3	4.1	4.81
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.64	0.68	0.73	0.68	0.64	0.5	0.94	1.03	1.05	0.62	1.22	1.05	1.06	0.79	0.93
Basic EPS from Cont Ops	0.64	0.68	0.73	0.68	0.64	0.5	0.94	1.03	1.05	0.62	1.22	1.05	1.06	0.79	0.93
Diluted EPS, GAAP	0.64	0.67	0.73	0.67	0.64	0.49	0.92	1.02	1.04	0.62	1.21	1.05	1.06	0.79	0.92
Diluted EPS from Cont Ops	0.64	0.67	0.73	0.67	0.64	0.49	0.92	1.02	1.04	0.62	1.21	1.05	1.06	0.79	0.92
Dividend per Share	0.44	0.61	0.51	1.64	0.56	0.61	0.65	0.69	0.73	0.77	0.79	0.8	0.8	0.8	0.81
Cash Flow per Share	1.19	1.35	1.44	0.99	1.2	1.37	1.5	1.36	1.22	1.17	1.62	1.38	0.73	1.01	1.13
Free Cash Flow per Basic Share	1.07	1.16	1.22	0.88	1.06	1.21	1.47	1.31	1.11	1.07	1.49	1.34	0.66	0.99	1.05
Cash & Equivalents per Share	16.38	16.35	14.95	12.17	10.22	11.96	8.5	8.42	8.25	16.82	22.34	10.69	9.17	10.96	12.46
Book Value per Share	11.85	12.05	12.26	11.22	11.42	11.52	11.8	12.17	12.67	12.12	12.51	11.75	12.21	12.53	12.94
Tangible Book Value per Share	10.07	10.15	10.38	9.34	8.76	8.17	8.55	9.01	9.21	8.95	9.4	8.68	9.17	9.52	9.63