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NWBI

Northwest Bancshares Inc
Chart
$14.19
Latest Week 2026-06-05
Financial ServicesBanks - RegionalMID
Snapshot 2026-06-07 · 0.0w · Fresh
0.67
OS Score
67.0%
Value
27.0%
Quality
70.0%
Momentum
6/9
F-Score
0.425
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
4 of 23 passing
★
OS Composite
✗
↗
Trending Value
✗
◆
Quality × Value
✗
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
✗
🔄
Shareholder Yield
5.5%
💰
High Yield
Div 5.5%
🚀
Momentum Leaders
12-1 20%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
Vol 22%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
67.0%ile
P/E
15.7×
P/S
2.3×
P/B
1.1×
E/P
0.0639
FCF Yield
0.054
EBITDA/EV
0.071
SH Yield
0.055
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
67.00000000
/100 — 1=cheapest
VC2 (Trending Value)
28.00000000
/100
VC3 (Buyback)
28.00000000
/100
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
27.0%ile
ROE
0.070
ROA
0.008
Net Margin
0.147
Op Margin
0.194
GPA
0.037
D/E
7.88
Current
0.19
F-Score
6/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.165
Earn Growth
0.162
Stability
0.577
lower=better
Accruals
0.001
lower=better
5yr Consist
No
Highly leveraged with D/E of 7.88 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
70.0%ile
6M Return
20.1%
12M Return
22.2%
12-1 Mom
19.6%
Risk-Adj
0.89
Vol 252d
22.0%
Vol 60d
43.8%
↑ Expanding
Max DD 12M
-13.3%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
Near-term vol (44%) is expanding vs long-term (22%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.67
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
20.2%
Sector Quality %ile
7.6%
P/E z-score
0.08
P/B z-score
-0.07
Sector Avg OS
86.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
HG Hamilton Insurance Group, Ltd. 99.0% 97.0% 94.0% 85.0%
UVE Universal Insurance Holdings Inc 99.0% 96.0% 94.0% 82.0%
MCY Mercury General Corporation 99.0% 95.0% 93.0% 86.0%
BAP Credicorp Ltd 99.0% 98.0% 93.0% 84.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 97.0% 90.0%
CARE Carter Bank and Trust 99.0% 96.0% 98.0% 88.0%
HAFC Hanmi Financial Corporation 98.0% 94.0% 90.0% 79.0%
RM Regional Management Corp 98.0% 95.0% 90.0% 79.0%
Factor Interactions
Cheap for a Reason?
Looks cheap (67th value) but weak quality (27th). Classic value trap risk.
Growth at Reasonable Price
Revenue growing 16% with P/E of 16×. Growth isn't fully priced in.
Strong Capital Return
Shareholder yield 5.5% backed by 5.4% FCF yield. Returns are well-funded.
Volatility Expanding
60-day vol (44%) significantly exceeds 252-day (22%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
65.3% avg (7 factors)
Quality
F
28.3% avg (8 factors)
Momentum
C
56.8% avg (4 factors)
Risk
A
80.0% avg (1 factors)
Deep value territory, but quality is concerning. This is either a turnaround opportunity or a value trap — the F-Score and accruals ratio will be key differentiators.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.670—0—
Value %ile0.670—0—
Quality %ile0.270—1—
Momentum %ile0.700—1—
F-Score6.000—0—
Confidence1.000—1—
Volatility0.220—0—
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
15.66
Earnings Yield (E/P)
0.0639
Price / Sales
2.31
Price / Book
1.09
Price / Cash Flow
17.41
FCF Yield
5.4%
EBITDA / EV
7.1%
Sales Yield (1/P·S)
0.3642
Shareholder Yield
Div + net buyback / mktcap
5.5%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
7.0%
Return on Assets
0.8%
Net Margin
14.7%
Operating Margin
19.4%
Gross Profit / Assets
Novy-Marx GPA
3.7%
Debt / Equity
7.88
Current Ratio
0.19
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.001
MomentumPrice trend strength over different horizons
6M Return
20.1%
12M Return
22.2%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
19.6%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.89
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
16.5%
Earnings Growth (YoY)
16.2%
Earnings Stability (CV)
Lower = more stable
0.577
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
6
Dividend Yield
5.5%
Buyback Yield
0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
67
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
28
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
28
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity