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Northwest Bancshares cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$18.9M in Q3 2026 · $118M over twelve months

Operating cash flow$26.7M
Capital spending−$7.8M
Free cash flow+$18.9M
Cash / net income0.5×

Analysis

In Q3 2026, Northwest Bancshares generated $26.7M of operating cash flow and spent $7.8M on capital projects, leaving free cash flow of $18.9M. That is $19.4M less than in Q3 2025 ($38.3M).

Over the twelve months to Sep 30, 2026, operating cash flow was $138M; the largest uses were other investing ($940M), dividends ($118M), capital spending ($20.2M); besides operations, cash came from other financing ($577M), net borrowing (+) / repaid (−) ($304M); the cash balance fell by $55.5M.

Operating cash flow was $26.7M against net income of $50.7M — 0.5× profit, less cash than reported earnings, worth checking against working capital. The largest differences: prepaid and other assets −$32.2M, other liabilities −$12.5M, depreciation & amortization +$3.1M.

Free cash flow

Northwest Bancshares: free cash flow by quarterNorthwest Bancshares: free cash flow by quarter−$77.2MQ4 2024$106MQ1 2025−$6.0MQ2 2025$38.3MQ3 2025$3.7MQ4 2025$69.6MQ1 2026$26.1MQ2 2026$18.9MQ3 2026
Operating cash flow less capital spending.
Northwest Bancshares: operating cash flow against capital spendingNorthwest Bancshares: operating cash flow against capital spendingOperating cash flowCapital spending−$77.0M$232KQ4 2024$108M$1.8MQ1 2025−$2.3M$3.6MQ2 2025$41.9M$3.6MQ3 2025$6.2M$2.5MQ4 2025$73.9M$4.3MQ1 2026$31.7M$5.6MQ2 2026$26.7M$7.8MQ3 2026
Latest (Q3 2026): Operating cash flow $26.7M, Capital spending $7.8M.

Capital allocation, year by year

Northwest Bancshares: where the cash came from (up) and went (down), by fiscal yearNorthwest Bancshares: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $205MFY2021: Net borrowing −$20.7MFY2021: Shares issued $14.0MFY2021: Asset sales $28.5MFY2021: Capital spending −$17.5MFY2021: Buybacks −$23.9MFY2021: Dividends −$100M$248MFY2021FY2022: Operating cash flow $175MFY2022: Net borrowing $532MFY2022: Shares issued $5.2MFY2022: Asset sales $305KFY2022: Capital spending −$4.3MFY2022: Dividends −$101M$713MFY2022FY2023: Operating cash flow $92.9MFY2023: Net borrowing −$282MFY2023: Shares issued $630KFY2023: Capital spending −$8.6MFY2023: Dividends −$102M$93.5MFY2023FY2024: Operating cash flow $128MFY2024: Net borrowing −$199MFY2024: Shares issued $2.5MFY2024: Capital spending −$2.3MFY2024: Dividends −$102M$130MFY2024FY2025: Operating cash flow $153MFY2025: Net borrowing −$148MFY2025: Shares issued $930KFY2025: Capital spending −$11.6MFY2025: Acquisitions $30.9MFY2025: Dividends −$110M$185MFY2025
Over these 5 years operating cash flow totalled $755M; the largest uses were net borrowing ($649M) and dividends ($515M). Cash-flow statements as filed.

Where the cash came from and went

Northwest Bancshares: sources (+) and uses (−) of cash, Q3 2026Northwest Bancshares: sources (+) and uses (−) of cash, Q3 2026Other investing−$162MOther financing$86.1MNet borrowing (+) / repaid (−)$59.9MDividends−$29.6MOperating cash flow$26.7MCash drawn (+) / kept (−)$25.2MCapital spending−$7.8MShares issued$1.5M
Northwest Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026Northwest Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$940MOther financing$577MNet borrowing (+) / repaid (−)$304MOperating cash flow$138MDividends−$118MCash drawn (+) / kept (−)$55.5MCapital spending−$20.2MShares issued$2.7M

From profit to cash

Northwest Bancshares: net income to operating cash flow, Q3 2026Northwest Bancshares: net income to operating cash flow, Q3 2026Net income$50.7MDepreciation & amortization$3.1MStock-based pay$1.5MDeferred taxes$2KGains on investments−$313KPrepaid and other assets−$32.2MOther liabilities−$12.5MOperating cash flow$26.7M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$26.7M−$7.8M−$29.6M$59.9M$1.5M$25.2M$18.9M
Q2 2026$31.7M−$5.6M−$29.5M$261M$865K$38.2M$26.1M
Q1 2026$73.9M−$4.3M−$29.4M−$95.3M$243K−$53.1M$69.6M
Q4 2025$6.2M−$2.5M−$29.3M$78.2M$167K$45.2M$3.7M
Q3 2025$41.9M−$3.6M−$29.4M−$224M$177K−$11.7M$38.3M
Q2 2025−$2.3M−$3.6M−$25.7M$738K$555K$86.1M−$6.0M
Q1 2025$108M−$1.8M−$25.5M−$3.1M$31K−$64.8M$106M
Q4 2024−$77.0M−$232K−$25.5M−$4.0M$1.3M−$61.5M−$77.2M

Northwest Bancshares: income statement and cash flow

Northwest Bancshares, Q3 2026: revenue $185M (+10% year over year), operating margin 36.1%. The chart follows the revenue to costs, profit and cash.

Northwest Bancshares: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.