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Visual22 Oct 2025
Epiroc's cash spent on M&A
Northwest Bancshares (NWBI) investor relations material
Northwest Bancshares Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary30 Jul, 2025
Executive summary
Completed the Penns Woods merger, expanding to 151 financial centers and $17B in assets, marking the largest acquisition in company history.
Merger integration and rebranding are on track, with operational focus on customer retention and growth.
Q2 2025 net income was $34M ($0.26 per share), up significantly year-over-year, driven by higher net interest and noninterest income.
Opened a new financial center in Indiana and achieved strong commercial loan growth.
Total assets reached $14.5B at quarter-end, rising to $17B post-merger.
Financial highlights
Q2 2025 GAAP net income was $33.7M; adjusted net income $38.2M; EPS $0.26 (GAAP), $0.30 (adjusted).
Total revenue for Q2 was $150M, up 53.5% year-over-year; net interest margin rose to 3.56%.
Noninterest income increased 9% sequentially and $40M year-over-year, mainly from fee income and equity gains.
Noninterest expense rose 6% year-over-year, mainly due to merger-related and personnel costs.
Quarterly dividend of $0.20 per share declared, marking 123 consecutive quarters.
Outlook and guidance
Net interest margin expected to remain at 3.50% for the rest of 2025.
Q4 2025 guidance: net interest income $139M–$141M, noninterest income $32M–$33M, noninterest expense $103M–$105M, tax rate 23%, net charge-offs $9M–$11M.
Full cost savings from Penns Woods expected by 2026; 75% realized in 2025.
Effective tax rate for 2025 expected at 22.0%–24.0%.
Focus remains on integration, organic growth, and prudent expense control.
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Next Northwest Bancshares earnings date
Q3 202528 Oct, 2025
Next Northwest Bancshares earnings date
Q3 202528 Oct, 2025
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Frequently asked questions
Northwest Bancshares, Inc. is a bank holding company primarily engaged in providing a range of banking and financial services. Through its subsidiary, Northwest Bank, the company offers services including personal and business banking, wealth management, and insurance products. It serves individuals, businesses, and municipalities with offerings such as checking and savings accounts, loans, mortgages, and investment management. The company is headquartered in Warren, Pennsylvania, and its shares are listed on the NASDAQ.
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