Filing Flows › Northwest Bancshares (NWBI) › Q3 2026 › vs Q3 2025
Northwest Bancshares (NWBI) Q3 2026 vs Q3 2025 (year over year)
Northwest Bancshares's revenue rose $16.7M (+10%) from $168M in Q3 2025 to $185M in Q3 2026. The biggest changes: Net interest income +$13.0M (+10%); Noninterest income +$3.7M (+12%). Operating margin 36.1% against 2.1% (+34.1 pts).
Northwest Bancshares, Q3 2026: revenue $185M (+10% year over year), operating margin 36.1%, net earnings $50.7M, operating cash flow $26.7M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 36.1% | 2.1% | +34.1 pts |
| Net margin | 27.4% | 1.9% | +25.6 pts |
| Free cash flow margin | 10.2% | 22.8% | -12.6 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $149M | $136M | $13.0M | +10% |
| Noninterest income | $35.9M | $32.2M | $3.7M | +12% |
| Revenue | $185M | $168M | $16.7M | +10% |
| Operating profit | $66.8M | $3.5M | $63.3M | 19× |
| Costs & expenses | $118M | $165M | −$46.6M | -28% |
| Pre-tax earnings | $66.8M | $3.5M | $63.3M | 19× |
| Credit loss provision | $9.1M | $31.2M | −$22.1M | -71% |
| Noninterest expense | $109M | $133M | −$24.5M | -18% |
| Net earnings | $50.7M | $3.2M | $47.6M | 16× |
| Income tax | $16.1M | $302K | $15.8M | 53× |
| Depreciation & amortization | $3.1M | $48K | $3.1M | 65× |
| Share-based compensation | $1.5M | $885K | $657K | +74% |
| Working capital & other | $28.7M | −$37.8M | $66.5M | — |
| Operating cash flow | $26.7M | $41.9M | −$15.2M | -36% |
| Free cash flow (OCF − capex) | $18.9M | $38.3M | −$19.4M | -51% |
| Capital expenditures | $7.8M | $3.6M | $4.2M | +114% |
Questions
How much did Northwest Bancshares's revenue grow year over year in Q3 2026?
Northwest Bancshares's revenue rose $16.7M (+10%) from $168M in Q3 2025 to $185M in Q3 2026.
What drove Northwest Bancshares's revenue change in Q3 2026?
Net interest income +$13.0M (+10%); Noninterest income +$3.7M (+12%).