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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.
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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