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Northwest Bancshares Inc. (NWBI) — RQD Stock Rating Cockpit

$15.34 +0.79% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Northwest Bancshares Inc. (NWBI) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $2.25B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+3.6% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NWBI)Realized 20D OHLCV Swing Band: ±4.1%

RSI-14 MOMENTUMNEUTRAL RANGE

52.430 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE83% OF RANGE

L: $11$15.34H: $16

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 25 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on NWBI

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (60)

6.7% ROIC with 42.0% gross margin and 6.31% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (68)

25/40 institutional & smart-money positioning score with 16/20 macro alignment.

Bull Case: Why Buyers Like NWBI

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (NWBI Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

NWBI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +10.92%📐 HORIZONTAL RANGE

2026-10-30O $15.45H $15.53L $15.20C $15.34VOL 1.00M

RES: $15.83SUP: $14.46SMA50: $15.20SMA200: $14.20

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NWBI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NWBI Butterfly Map → + Track NWBI →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

10.9%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on NWBI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NWBI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for NWBI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NWBI)

Financials Rank #281 of 1096 ⚔️ EFSC vs NWBI Full Matrix →

1. Head-to-Head Financials Peer Comparison (NWBI vs. EFSC, WAFD, OFG, SRCE)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Northwest Bancshares Inc. (NWBI) ranks #281 by composite RQD confidence (66/100, grade C+) and #413 by equity capitalization ($2.25B). Within this direct 5-issuer industry benchmark cohort, WAFD leads on earnings valuation at 9.7x trailing P/E, while OFG leads on capital efficiency and profitability with 14.8% ROIC and — gross margin. WAFD currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with NWBI at 66/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
NWBI ACTIVE Northwest Bancshares Inc.	C+	66/100	17.8x	—	6.7%	+0.79%	$2.25B	Benchmark Subject
EFSC Enterprise Financial Services Corporation	C+	66/100	11.2x	—	9.9%	+0.08%	$2.26B	/efsc-vs-nwbi →
WAFD WaFd Inc.	B-	70/100	9.7x	—	7.5%	+1.16%	$2.19B	/wafd-vs-nwbi →
OFG OFG Bancorp	C	63/100	10.5x	—	14.8%	+0.26%	$2.15B	/ofg-vs-nwbi →
SRCE 1st Source Corporation	D+	56/100	—	—	—	+0.97%	$2.13B	/srce-vs-nwbi →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001471265

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Northwest Bancshares Inc. (NWBI) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $126.0M, operating cash flow of $153.4M, and free cash flow of $141.8M (+13.1% YoY). On the balance sheet, NWBI closed FY2025 with $16.77B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$126.0M	$153.4M	$141.8M	$16.77B	—
FY2024 (FY)	2024-12-31	$0	$100.3M	$127.7M	$125.4M	$14.41B	—
FY2023 (FY)	2023-12-31	$0	$135.0M	$92.9M	$92.9M	—	—

3. NWBI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NWBI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Northwest Bancshares Inc. (NASDAQ: NWBI) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $15.34 (+0.79% 1D, market cap $2.25B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, NWBI ranks #281 in composite RQD confidence.

How does NWBI compare to EFSC and WAFD in the Financials sector?

Within the Financials sector (Major Banks), NWBI carries a Roarable C+ (66/100 RQD), trailing P/E of 17.8x, gross margin of —, and ROIC of 6.7%. By comparison, EFSC (Enterprise Financial Services Corporation) holds a C+ grade (66/100 RQD, P/E 11.2x, ROIC 9.9%, cap $2.26B) and WAFD (WaFd Inc.) posts a B- grade (70/100 RQD, P/E 9.7x, ROIC 7.5%, cap $2.19B). Among the 5-stock peer group, WAFD leads on earnings multiple (9.7x) while OFG leads on capital efficiency (14.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for NWBI?

Per NWBI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001471265), Northwest Bancshares Inc. generated $0 in revenue, $126.0M in net income, and $141.8M in free cash flow against $16.77B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is NWBI trading relative to its 50-day, 200-day, and 52-week technical levels?

NWBI last traded at $15.34 (+0.79% on volume of 1,128,775 shares), positioning the stock +0.92% above its 50-day simple moving average ($15.20) and +8.03% above its 200-day simple moving average ($14.20). Across its 52-week range of $11.25 to $16.16, NWBI sits at the 83.3% percentile with a 14-day RSI of 52.4 (NEUTRAL RANGE) and an implied next-earnings move of ±4.1% ($14.71 to $15.97).

NWBI Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell NWBI stock right now?

Northwest Bancshares Inc. (NWBI) currently earns a Roarable Rating of C+ (Hold — HOLD) with 66/100 RQD Confidence. Solid steady margins (7% return on capital), mixed timing at 18x P/E—hold if owned, no rush to chase.

What is NWBI's 12-month price target and RQD AI Jury consensus?

NWBI's 12-month base price target is $15.89 (range $12.39 to $18.75), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: NWBI RQD Cockpit NWBI 12M Forecast NWBI Earnings & Move NWBI Dividends & DRIP NWBI Insiders & 13F NWBI Whale Options NWBI Profit Sankey NWBI News & Why