{"schema_version":"secwatch.filing_event.v1","accession":"0001471265-25-000005","form_type":"8-K","ticker":"NWBI","cik":"0001471265","company_name":"Northwest Bancshares, Inc.","filed_at":"2025-01-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.717884+00:00","generated_at":"2026-05-27T10:44:30.483336+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"NWBI Q4 net income rises to $33M; NIM 3.42%; declares $0.20 dividend; Penns Woods deal","bullets":["Net income of $33M ($0.26 diluted EPS) vs $29M ($0.23) in Q4 2023; adjusted net income $35M ($0.27).","Net interest margin expanded 9 bps to 3.42% from 3.16% a year ago; efficiency ratio improved to 61.8%.","Dividend declared $0.20/share (121st consecutive quarter), payable Feb 14, 2025; annualized yield ~6.1%.","Entered agreement to acquire Penns Woods Bancorp; expected close Q3 2025.","Provision for credit losses $16.6M (up from $4.9M in Q3); net charge-offs 0.87% annualized due to loan sales."],"urls":{"canonical":"https://secwatch.observer/filing/0001471265-25-000005","json":"https://secwatch.observer/filing/0001471265-25-000005.json","markdown":"https://secwatch.observer/filing/0001471265-25-000005.md","text":"https://secwatch.observer/filing/0001471265-25-000005.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1471265/000147126525000005/0001471265-25-000005-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1471265/000147126525000005/nwbi-20250124.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T10:44:30.483336+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}