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Compared to Estimates, Northwest Bancshares (NWBI) Q3 Earnings: A Look at Key Metrics

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For the quarter ended September 2025, Northwest Bancshares (NWBI - Free Report) reported revenue of $168.17 million, up 20.9% over the same period last year. EPS came in at $0.29, compared to $0.26 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $167.1 million, representing a surprise of +0.64%. The company has not delivered EPS surprise, with the consensus EPS estimate being $0.29.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Northwest Bancshares performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Efficiency Ratio: 79.4% compared to the 65% average estimate based on three analysts.
  • Net interest margin: 3.7% compared to the 3.5% average estimate based on three analysts.
  • Net charge-offs to average loans, annualized: 0.3% compared to the 0.3% average estimate based on two analysts.
  • Average Balance - Total interest-earning assets: $14.87 billion compared to the $14.76 billion average estimate based on two analysts.
  • Total noninterest income/(loss): $32.2 million compared to the $32.47 million average estimate based on three analysts.
  • Net Interest Income (FTE): $136.94 million versus $135.5 million estimated by two analysts on average.
  • Mortgage banking income: $1 million versus $1.1 million estimated by two analysts on average.

View all Key Company Metrics for Northwest Bancshares here>>>

Shares of Northwest Bancshares have returned +0.4% over the past month versus the Zacks S&P 500 composite's +2.5% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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