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Northwest Bancshares (NWBI) guidance and outlook

Northwest Bancshares' 10-Q filed Nov 5, 2026 makes 10 forward-looking statements.

Guidance and outlook

Forward-looking statements, 10-Q filed Nov 5, 2026

• • general economic conditions, either nationally or in our market areas, that are different than expected, including inflationary or recessionary pressures or those related to changes in monetary, fiscal, regulatory and tariff policies of the U.S. government, including policies of the U.S.
• We do not believe this guidance will have a material impact on the Company's financial statements.
• The guidance also requires disclosure of total selling expenses and how the Company defines selling expenses.
• The Company is currently evaluating the effect the updated guidance will have on the Company’s financial statement disclosures.
• The amendments require an entity to start capitalizing software costs when management has authorized and committed to funding the software project, and it is probable that the project will be completed and the software will be used to perform the function intended.
• This guidance will impact our Consolidated Financial Statements on a prospective basis only when loans are acquired.
• These rating are periodically reviewed by our Credit Risk Review department as part of a targeted risk-based review program.
• As part of the analysis as of September 30, 2026, we considered the most recent economic conditions and forecasts available which incorporated the impact of material recent economic events.
• In determining the amount of the current period provision, we considered current and forecasted economic conditions, including but not limited to improvements in unemployment levels, expected economic growth, bankruptcy filings, and changes in real estate values and the impact of these factors on the quality of our loan portfolio and historical loss experience.
• We anticipate our effective tax rate to be between 23.0% and 25.0% for the year ending December 31, 2026.

Northwest Bancshares' latest quarter

Questions

What does Northwest Bancshares expect?

• general economic conditions, either nationally or in our market areas, that are different than expected, including inflationary or recessionary pressures or those related to changes in monetary, fiscal, regulatory and tariff policies of the U.S. government, including policies of the U.S. We do not believe this guidance will have a material impact on the Company's financial statements. The guidance also requires disclosure of total selling expenses and how the Company defines selling expenses.

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.