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Dec 31, 2025
Northwest Bancshares Q4 2025 Earnings Report
Northwest Bancshares reported its fourth quarter 2025 earnings with a net income of $46 million and diluted EPS of $0.31.
Key Takeaways
Northwest Bancshares, Inc. announced a net income of $46 million for the fourth quarter of 2025, an increase of $13 million from the same quarter last year. Diluted EPS stood at $0.31, with adjusted net income reaching $49 million. The company experienced record quarterly total revenue of $180 million, a 17% growth from the prior year, and saw its net interest margin expand to 3.69%.
Net income for Q4 2025 increased by $13 million year-over-year to $46 million.
Adjusted net income (non-GAAP) for Q4 2025 was $49 million, an increase of $8 million from the prior quarter.
The company achieved a record quarterly total revenue of $180 million, marking a 17% growth from the prior year.
Net interest margin expanded to 3.69% in Q4 2025, up from 3.42% in Q4 2024, driven by higher average yields and earning assets.
Revenue by Segment
Forward Guidance
Northwest Bancshares anticipates another year of record revenue growth in 2026, driven by expanding its consumer franchise in Columbus, deepening relationships in core markets, and increasing market share in commercial lines of business.
Positive Outlook
- Anticipates another year of record revenue growth in 2026.
- Plans to build out consumer franchise in Columbus.
- Aims to deepen relationships in existing core markets.
- Intends to continue building market share in commercial lines of business.
- The acquisition of Penns Woods Bancorp, Inc. is expected to contribute to future growth.
Challenges Ahead
- The possibility that anticipated benefits of the merger with Penns Woods may not be fully realized within the expected timeframe.
- Potential for inflation and changes in interest rates to reduce margins, loan origination, or fair value of financial instruments.
- Risks related to changes in asset quality, including increases in default rates on loans and higher levels of nonperforming loans.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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