NWBI at a glance
Northwest Bancshares, Inc. (NWBI, SEC CIK 1471265) filed its latest 10-K annual report on February 25, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on September 8, 2026 and Form 4 insider filings as recently as August 20, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Northwest Bancshares, Inc. (NWBI) reported revenue of $749.7 million (up 12.0% from FY2024) and net income of $126.0 million. Diluted EPS was $0.92.
- As of June 30, 2026, 32 institutional investment managers tracked by SignalX reported holding Northwest Bancshares, Inc. (NWBI) shares worth $1.1 billion in 13F-HR filings.
- The most recent insider open-market purchase reported on Form 4 was by Kranich Charles E. on August 20, 2026 of 385 shares at $15.28 per share.
- In the last 90 days, NWBI insiders reported 2 open-market purchases ($25K) and 1 open-market sale ($209K) on Form 4, a net sale of $184K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $749.7M
- +12.0% vs prior year
- Insiders · 90 days
- 2 buys · 1 sell
- Net −$184K
- 13F holders
- 32 funds
- $1.1B · +0 vs prior quarter
- Latest 8-K
- Sep 8, 2026
- Item 7.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model focused on domestic banking operations generating revenue from loans, investments, and deposits
- No new products or distinct business segments introduced; continued emphasis on banking with derivative financial instruments for risk management
- Strategic use of interest rate swaps worth $175 million to hedge short-term funding costs, reflecting refined interest rate risk management
- Segment assets grew to $16.77 billion in 2025 from $14.41 billion in 2024, with net income increasing to $126.0 million from $100.3 million
- Noteworthy reduction in accumulated other comprehensive loss by $40.2 million, driven by unrealized gains on securities and improved pension plan valuation
Risk Factors
- FDIC CRE Lending Guidance risk with CRE loans at 342% of total bank capital as of December 31, 2025
- Commercial loan portfolio increase exposing to credit losses and provisions, risking earnings and capital
- Judicial foreclosure delays undermining recoveries on non-performing loans due to extended process and collateral value impact
- BSA non-compliance risk with potential fines from failure to detect money laundering and terrorist financing activities
- Federal Reserve "source of strength" doctrine may force capital injections, possibly requiring borrowing or capital raises under adverse conditions
Management Discussion & Analysis
- Revenue rose with total interest income $749.7M in 2025 vs $669.2M in 2024, a 12% increase primarily due to loan growth and acquisition impact
- Net income $126M in 2025 vs $100.3M in 2024; net interest margin 3.69% in 2025 vs 3.26% in 2024, showing margin improvement of 43bps
- Best segment: Commercial Banking loans increased 20% to $5.8B; worst: Provision for credit losses doubled to $55.6M from $24.5M
- Cash and equivalents decreased $55M to $234M; repurchased stock and dividends details not disclosed, capital ratio stable with avg capital/assets 11.31%
- Management notes acquisition of Penns Woods added $2.2B assets, $1.8B loans; key risk is higher credit loss provisioning amid economic uncertainty
AI summary of the NWBI 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Headwinds: inflation, interest rates, asset quality, recession risks, trade restrictions, liquidity, regulation, and financial-sector instability
Risk Factors
- No material risk-factor updates or additions since the December 31, 2025 Form 10-K
- Unknown or currently immaterial risks potentially affecting business, financial condition, or results
- Share-repurchase authorization up to $50 million over 24 months, replacing the 2012 plan
AI summary of the NWBI 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 7.01: Regulation FD Disclosure
- Management investor presentation for Raymond James conference on September 9, 2026
- Participation at Stephens 16th Annual Bank Forum on September 24, 2026
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 results covered quarter ended June 30, 2026
- Press release issued July 27, 2026, with financial details in Exhibit 99.1
Item 5.02: Departure/Appointment of Directors or Principal Officers
- CEO Lou Torchio receives 125,298 RSUs, restoring rescinded shares and incorporating missed 2025–2026 annual awards
- New award follows 2026 Plan approval, raising annual employee grant limit from $1,000,000 to $5,000,000
AI summaries of NWBI 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for NWBI
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- Fund moves. Which tracked funds opened, added or cut NWBI, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Kranich Charles E. | Buy | Aug 20, 2026 | 385 | $15.28 |
| Kranich Charles E. | Buy | Aug 20, 2026 | 1,250 | $15.28 |
| Torchio Louis J | A | Jul 31, 2026 | 125,298 | - |
| Colestro James M | M | Jul 30, 2026 | 6,528 | $13.68 |
| Colestro James M | M | Jul 30, 2026 | 2,178 | $15.57 |
| Colestro James M | M | Jul 30, 2026 | 4,568 | $9.71 |
| Colestro James M | M | Jul 30, 2026 | 6,528 | $13.68 |
| Colestro James M | Sell | Jul 30, 2026 | 13,274 | $15.77 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $587.9M | $669.2M | $749.7M |
| Net Income | $135.0M | $100.3M | $126.0M |
| Net Margin | 23.0% | 15.0% | 16.8% |
| Balance Sheet | |||
| Total Assets | $14.4B | $14.4B | $16.8B |
| Equity | $1.6B | $1.6B | $1.9B |
| ROE | 8.7% | 6.3% | 6.7% |
| Per Share | |||
| EPS | - | $0.79 | $0.92 |
| Cash Flow | |||
| Operating CF | $92.9M | $127.7M | $153.4M |
| CapEx | $8.6M | $2.3M | $11.6M |
Source: XBRL data in Northwest Bancshares, Inc. (NWBI)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate NWBI share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 32 | $1.10B |
| Q1 2026 | 32 | $870.9M |
| Q4 2025 | 30 | $802.5M |
| Q3 2025 | 32 | $827.4M |
| Q2 2025 | 32 | $759.7M |
| Q1 2025 | 28 | $495.7M |
| Q4 2024 | 24 | $508.8M |
| Q3 2024 | 21 | $303.6M |
- State Street Corp+1.95M (+22%)
- D.E. Shaw & Co+401.1K (+349%)
- Morgan Stanley+264.0K (+19%)
- AQR Capital Management+250.9K (+48%)
- BlackRock+241.6K (+1%)
- Millennium Management−179.9K (-24%)
- Goldman Sachs Group−162.0K (-17%)
- Invesco Ltd−124.2K (-9%)
- Bank of America Corp−106.4K (-14%)
- JPMorgan Chase & Co−93.0K (-23%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 231 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
NWBI filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Sep 8, 2026 | - | Analysis | - |
| 4 | Aug 20, 2026 | - | - | - |
| 13F-HR | Aug 14, 2026 | Jun 30, 2026 | - | |
| 10-Q | Aug 5, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Jul 31, 2026 | - | - | - |
| 4 | Jul 31, 2026 | - | - | - |
| 8-K | Jul 27, 2026 | - | Analysis | - |
| 8-K | Jul 24, 2026 | - | Analysis | - |
| 4 | Jun 24, 2026 | - | - | - |
| 4 | Jun 22, 2026 | - | - | - |
| 4 | Jun 9, 2026 | - | - | |
| 4 | Jun 9, 2026 | - | - | |
| 4 | Jun 9, 2026 | - | - | |
| 4 | Jun 9, 2026 | - | - | |
| 4 | Jun 9, 2026 | - | - | |
| 4 | Jun 9, 2026 | - | - | |
| 4 | Jun 9, 2026 | - | - | |
| 4 | Jun 9, 2026 | - | - | |
| 4 | Jun 9, 2026 | - | - | |
| 4 | Jun 9, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 8-K | May 26, 2026 | - | Analysis | |
| 4 | May 22, 2026 | - | - | |
| 4 | May 22, 2026 | - | - |
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NWBI SEC filings: frequently asked questions
Are NWBI insiders buying or selling?
In the last 90 days, Northwest Bancshares, Inc. (NWBI) officers, directors and 10% owners reported 2 open-market purchases worth $24,975 by 1 insider and 1 open-market sale worth $209,331 by 1 insider on Form 4, a net sale of $184,356. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold NWBI stock?
As of June 30, 2026, the largest Northwest Bancshares, Inc. (NWBI) holders among the 13F filers tracked by SignalX were BlackRock ($320.1 million), State Street Corp ($164.6 million), Dimensional Fund Advisors ($138.2 million), Vanguard Portfolio Management LLC ($137.7 million), Vanguard Capital Management LLC ($101.7 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was NWBI's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Northwest Bancshares, Inc. (NWBI) reported revenue of $749.7 million (up 12.0% from FY2024) and net income of $126.0 million. Diluted EPS was $0.92. The figures come from the XBRL data in the 10-K.
What are the main risks in NWBI's latest 10-K?
In the 10-K filed February 25, 2026, Northwest Bancshares, Inc. (NWBI) flagged: FDIC CRE Lending Guidance risk with CRE loans at 342% of total bank capital as of December 31, 2025. Commercial loan portfolio increase exposing to credit losses and provisions, risking earnings and capital. (AI summary of the Risk Factors section.)
What did NWBI report in its latest 8-K?
Northwest Bancshares, Inc. (NWBI) filed an 8-K on September 8, 2026 reporting Item 7.01 (Regulation FD Disclosure). Management investor presentation for Raymond James conference on September 9, 2026.
What are the latest NWBI SEC filings?
Northwest Bancshares, Inc. (NWBI) filed its latest 10-K annual report on February 25, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on September 8, 2026 and a Form 4 insider filing on August 20, 2026.
What is NWBI's SEC CIK number?
Northwest Bancshares, Inc. (NWBI)'s SEC Central Index Key (CIK) is 1471265. EDGAR lists every NWBI filing under that number.
Ask anything about NWBI
The research agent reads NWBI's filings, financials, insider trades and 13F holders, then answers with sources.