Stock Ratings / Financials / NWBI / options

EFSC (66) WAFD (70) OFG (63) SRCE (56) ⌘ Pro Terminal →

Northwest Bancshares Inc. (NWBI) Options Positioning, Max Pain & Unusual Sweeps

$15.34 +0.79% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $15.33

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.

📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY) →

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

EXT / AFTER-HRS: $15.33 (-0.05%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 3.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY • 56.0% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

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%

Deterministic 5-Pillar Attribution (66/100 Composite)

🔍 WHY NWBI SCORES 66/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (24% of score)

FRED Regime × Technicals: 83% of 52W Range • RSI-14 at 52.4 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning10/20 pts (-10 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$14.67+1.8% Next Q

Q2 (-2Q)

Grade C$14.93+3.7% Next Q

Q3 (-1Q)

Grade C+$15.48-0.9% Next Q

Current

Grade C+$15.34+1.4% Hist 90D α

Trajectory: C (58) → C+ (66)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the NWBI Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 66/100 (C+) score, NWBI faces multiple-compression risk if 17.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

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

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($15.20) or 200D SMA ($14.20) invalidates the momentum regime and cuts Target Base ($15.89) toward Bear Floor ($12.39).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $NWBI• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “NWBI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 66%NO 34%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±4.1%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (NWBI)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for NWBI.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating NWBI & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on NWBI
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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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

What is NWBI's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for NWBI.

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