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Northwest Bancshares (NWBI) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · Northwest Bancshares (NWBI) Q3 2026 earnings results →
Q3 2026 Revenue up 10% year over year to $185M · 27¢ of every $1 of revenue kept as net profit · operating margin 36.1%
Northwest Bancshares made $185M in Q3 2026 (+10% Y/Y): Net interest income $149M, Noninterest income $35.9M. Operating margin 36.1%, net earnings $50.7M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $184.9M in Q3 2026, up 10% year over year and up 2% from the previous quarter. Net interest income was the largest line at 81% of revenue. Net interest income added $13.0M year over year (up 10%), 78% of the total change.
Operating profit was $66.8M, a 36.1% margin (up 34.1 points year over year). Of the extra revenue versus a year earlier, 379% reached operating profit, above the 2% margin then. Total costs fell 28% while revenue rose 10%. Net earnings were $50.7M, up 1501% year over year. The effective tax rate was 24.1%.
Operating cash flow was $26.7M (down 36% year over year), 53% of net earnings. Non-cash charges added back $3.1M of depreciation and amortization and $1.5M of share-based compensation. Working capital and other items used $28.7M. Capital expenditures of $7.8M left free cash flow of $18.9M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $185M | +10% | 36.1% | $50.7M | $26.7M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Northwest Bancshares
Northwest Bancshares, Inc., a Maryland corporation, was incorporated in 2009 to be the successor corporation to Northwest Bancorp, Inc., the former stock holding company for Northwest Bank, upon completion of the mutual-to-stock conversion of Northwest Bancorp, MHC. The terms “Northwest”, “the Company”, “we”, “us” and “our” refer to Northwest Bancshares, Inc., unless indicated otherwise by the context. The conversion was completed in 2009 when the Company sold 68,878,267 shares of common stock at $10.00 per share in the related offering. Concurrent with the completion of the offering, shares of Northwest Bancorp, Inc. common stock owned by public stockholders were exchanged for shares of Northwest Bancshares, Inc.’s common stock.
In its own words, from its 10-K, filed Feb 25, 2026.
Northwest Bancshares against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +10% against the peers' median +8%. Operating margin: 36.1% against the peers' median 32.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| NWBI Northwest Bancshares | Q3 2026 | $185M | +10% | 36.1% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: Northwest Bancshares 10-Q on SEC EDGAR · CIK 1471265 · National Commercial Banks
Guidance and outlook
13F: who owns NWBI and who is buying
More on NWBI
History
Every quarter: Q3 2026 results