Northwest (NWBI) Q4 2025 Earnings Transcript

Motley Fool Transcribing, The Motley Fool

Tue, April 21, 2026 astatine 12:40 PM CDT 34 min read

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Tuesday, January 27, 2026 astatine 9 a.m. ET

• President & Chief Executive Officer — Louis Torchio

• Senior Executive Vice President & Chief Financial Officer — Douglas Schosser

Louis Torchio: Good morning, everyone. Thank you for joining america contiguous to sermon our 4th fourth and 2025 afloat twelvemonth results. I'll fto Doug instrumentality you done the specifics of our beardown 4th fourth performance. I would similar to instrumentality a measurement backmost and bespeak connected a transformational twelvemonth for Northwest and however our achievements presumption america for continued maturation successful 2026. On Slide 4, you tin spot immoderate of the fiscal highlights of 2025. We closed connected a important acquisition, drove grounds gross of $655 cardinal for the afloat twelvemonth and proceed to grow the firm's nett involvement margin.

Coupled with our demonstrated disbursal absorption subject done the closing and integration of our sizable acquisition, we drove double-digit EPS growth, each portion investing successful the talent, exertion and caller fiscal centers and products to enactment our aboriginal maturation prospects. One of the precocious points of the twelvemonth was the acquisition and palmy integration of Penns Woods, bringing america into the ranks of the apical 100 banks successful the U.S. by assets. As good arsenic adding 20 fiscal centers to our existing Pennsylvania footprint, we invited caller squad members and thousands of caller customers to Northwest.

I'm arrogant of the squad for a palmy execution of a seamless integration astatine standard portion maintaining our chiseled Northwest civilization and driving a beardown halfway show crossed the bank. We proceed to alteration our user bank, moving from subdivision consolidation to expansion, opening our archetypal caller fiscal halfway since 2018 successful the Indianapolis, Indiana MSA, featuring our caller plan focused connected lawsuit hospitality. We're gathering retired our beingness successful our Columbus office marketplace with caller fiscal centers present nether improvement and owed to unfastened aboriginal this twelvemonth successful cardinal locations crossed the city. We've already added respective caller squad members with beardown section and concern assemblage ties to absorption connected gathering momentum successful beforehand of opening our doors.

We stay focused connected excellence arsenic an outstanding full-service vicinity slope providing a highly personalized service. I'm arrogant to stock that we person conscionable been recognized by Newsweek for the 3rd consecutive twelvemonth arsenic 1 of America's champion determination banks. We proceed to fortify and diversify our commercialized banking concern with C&I momentum of 26% year-over-year mean indebtedness growth. In 2025, we introduced a caller franchise concern vertical, rounding retired our nationwide concern verticals, each with experienced and well-connected manufacture leaders, giving america a beardown constituent of favoritism successful the specialty concern areas. We besides materially grew our SBA lending enactment successful 2025, earning a spot among the apical 50 originators successful the U.S.