---
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"
generated_at: "2026-05-27T10:44:30.483336+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# NWBI Q4 net income rises to $33M; NIM 3.42%; declares $0.20 dividend; Penns Woods deal

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001471265-25-000005
- JSON: https://secwatch.observer/filing/0001471265-25-000005.json
- Plain text: https://secwatch.observer/filing/0001471265-25-000005.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.