For the year ending 2025-12-31, NWBI had -$54,731K decrease in cash & cash equivalents over the period. $141,785K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Interest income | 749,668 |
| Service charges and fees | 65,072 |
| Trust and other financial services income | 32,314 |
| Gain/(loss) on sale of investments | 178 |
| Other revenue | 31,704 |
| Total income | 878,936 |
| Interest expense | 224,266 |
| Segment net interest income and noninterest income | 654,670 |
| Provision for credit losses | 55,584 |
| Compensation and employee benefits | 237,910 |
| Processing expenses | 58,489 |
| Premises and occupancy costs | 31,399 |
| Professional services | 13,122 |
| Office operations | 13,599 |
| Federal deposit insurance premiums | 11,523 |
| Other segment items | 70,254 |
| Income tax expense | 36,777 |
| Net income | 126,013 |
| Provision for credit losses | 55,584 |
| (gain)/loss on sale of investments | 178 |
| Net (gain)/loss on sale of assets | 132 |
| Mortgage banking activity | 3,606 |
| Gain on sale of sba loans | 2,835 |
| Gain on sale of mortgage servicing rights | 0 |
| Gain on sale of loans | 0 |
| Net depreciation, amortization and accretion | 136 |
| Increase in other assets | 29,776 |
| Increase in other liabilities | 11,168 |
| Net amortization on marketable securities | 511 |
| Noncash compensation expense related to stock benefit plans | 6,115 |
| Noncash write-down of real estate owned | 325 |
| Deferred income tax (benefit)/expense | -6,425 |
| Origination of loans held-for-sale | 195,843 |
| Proceeds from sale of loans held-for-sale | 193,380 |
| Net cash provided by operating activities | 153,415 |
| Purchase of marketable securities available-for-sale | 495,733 |
| Proceeds from maturities and principal reductions of marketable securities held-to-maturity | 66,471 |
| Proceeds from maturities and principal reductions of marketable securities available-for-sale | 146,125 |
| Proceeds from sale of marketable securities available-for-sale | 79,459 |
| Proceeds from bank-owned life insurance | 776 |
| Proceeds from sale of mortgage servicing rights | 0 |
| Loan originations | 4,361,333 |
| Proceeds from loan maturities and principal reductions | 4,402,932 |
| Net redemptions of fhlb stock | -13,786 |
| Proceeds from sale of real estate owned | 896 |
| Purchases of premises and equipment, net | 11,630 |
| Acquisitions, net of cash received | -30,899 |
| Net cash (used in)/provided by investing activities | -127,352 |
| Net increase in deposits | 180,851 |
| Repayments of long-term borrowings | 35,383 |
| Net decrease in short-term borrowings | -112,546 |
| Decrease in advances by borrowers for taxes and insurance | -4,733 |
| Cash dividends paid on common stock | 109,913 |
| Proceeds from stock options exercised | 930 |
| Net cash (used in)/provided by financing activities | -80,794 |
| Net (decrease)/increase in cash and cash equivalents | -54,731 |
| Cash and cash equivalents at beginning of period | 288,378 |
| Cash and cash equivalents at end of period | 233,647 |
Northwest Bancshares, Inc. (NWBI)
Northwest Bancshares, Inc. (NWBI)