Stellar Bancorp [STEL] vs Northwest Bancshares [NWBI] Detailed Stock Comparison

Stellar Bancorp Inc.

NYSE
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Northwest Bancshares Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Stellar Bancorp Inc. wins in 10 metrics, Northwest Bancshares Inc. wins in 8 metrics, with 1 ties. Stellar Bancorp Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Stellar Bancorp Inc. Northwest Bancshares Inc. Better
P/E Ratio (TTM) 12.95 14.37 Stellar Bancorp Inc.
Price-to-Book Ratio 0.90 1.02 Stellar Bancorp Inc.
Debt-to-Equity Ratio 0.13 0.41 Stellar Bancorp Inc.
PEG Ratio 14.65 0.75 Northwest Bancshares Inc.
Profit Margin (TTM) 26.36% 21.03% Stellar Bancorp Inc.
Operating Margin (TTM) 37.82% 39.86% Northwest Bancshares Inc.
EBITDA Margin (TTM) 37.82% 39.86% Northwest Bancshares Inc.
Return on Equity 7.23% 7.23% Tie
Return on Assets (TTM) 1.07% 0.81% Stellar Bancorp Inc.
Free Cash Flow (TTM) $127.96M $141.79M Northwest Bancshares Inc.
Dividend Yield 1.63% 6.05% Northwest Bancshares Inc.
1-Year Return 38.71% 15.23% Stellar Bancorp Inc.
Price-to-Sales Ratio (TTM) 3.33 3.23 Northwest Bancshares Inc.
Enterprise Value $1.08B $2.45B Northwest Bancshares Inc.
EV/Revenue Ratio 2.51 4.10 Stellar Bancorp Inc.
Revenue per Share (TTM) $8 $4 Stellar Bancorp Inc.
Earnings per Share (Diluted) $2.15 $0.92 Stellar Bancorp Inc.
Beta (Stock Volatility) 0.67 0.63 Northwest Bancshares Inc.
Short % of Float 2.71% 5.64% Stellar Bancorp Inc.

Stellar Bancorp Inc. vs Northwest Bancshares Inc. Stock Performance Analysis

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STEL
NWBI

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Stellar Bancorp Inc.-1.04%-0.91%-0.40%-1.44%15.96%20.22%
Northwest Bancshares Inc.-2.54%-0.79%0.15%9.35%10.67%15.19%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Stellar Bancorp Inc.38.71%47.30%29.38%28.23%28.23%28.23%
Northwest Bancshares Inc.15.23%24.56%-0.84%-3.48%17.43%25.55%

Performance & Financial Health Analysis: Stellar Bancorp Inc. vs Northwest Bancshares Inc.

MetricSTELNWBI
Market Information
Market Cap i$1.43B$1.96B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i213,2501,051,338
90 Day Avg. Volume i248,1101,576,466
Last Close$36.98$13.80
52 Week Range$26.30 - $40.21$11.25 - $14.26
% from 52W High-8.03%-3.23%
All-Time High$40.21 (Feb 11, 2026)$19.10 (Dec 05, 2016)
% from All-Time High-8.03%-27.75%
Growth Metrics
Quarterly Revenue Growth-0.03%0.25%
Quarterly Earnings Growth-0.06%0.40%
Financial Health
Profit Margin (TTM) i0.26%0.21%
Operating Margin (TTM) i0.38%0.40%
Return on Equity (TTM) i0.07%0.07%
Debt to Equity (MRQ) i0.130.41
Cash & Liquidity
Book Value per Share (MRQ)$30.89$12.94
Cash per Share (MRQ)$10.99$1.78
Operating Cash Flow (TTM) i$95.84M$153.42M
Levered Free Cash Flow (TTM) i$115.00M$125.95M
Dividends
Last 12-Month Dividend Yield i1.63%6.05%
Last 12-Month Dividend i$0.58$0.80

Valuation & Enterprise Metrics Analysis: Stellar Bancorp Inc. vs Northwest Bancshares Inc.

MetricSTEL (Jun 11, 2025)NWBI (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i12.9514.37
Forward P/E i14.659.29
PEG Ratio i14.650.75
Price to Sales (TTM) i3.333.23
Price to Book (MRQ) i0.901.02
Market Capitalization
Market Capitalization i$1.43B$1.96B
Enterprise Value i$1.08B$2.45B
Enterprise Value Metrics
Enterprise to Revenue i2.514.10
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.670.63
Book Value per Share (MRQ) i$30.89$12.94

Financial Statements Comparison: Stellar Bancorp Inc. vs Northwest Bancshares Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricSTEL (2024)NWBI (2025)
Revenue/Sales i431.04M651.87M
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i144.96M162.79M
Pre-Tax Income % of Revenue i33.6%25.0%
Income Tax i29.96M36.78M
Income Tax % of Revenue i6.9%5.6%
Net Income (Profit) i115.00M126.01M
Profit Margin i26.7%19.3%

Balance Sheet & Liquidity Metrics

MetricSTEL (2024)NWBI (2025)
Cash & Equivalents i911.22M233.65M
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i70.11M350.38M
Long-Term Debt % of Revenue i16.3%53.7%
Total Shareholders Equity i1.61B1.89B
Retained Earnings i492.64M689.21M
Retained Earnings % of Revenue i114.3%105.7%
Property, Plant & Equipment i17.28MN/A

Cash Flow Statement Comparison

MetricSTEL (2024)NWBI (2025)
Operating Cash Flow i164.33M101.16M
Operating Cash Flow % of Revenue i38.1%15.5%
Capital Expenditures i3.00M-11.63M
Free Cash Flow i127.96M141.79M
FCF Margin i29.7%21.8%
Debt Repayment i-90.00M-35.38M
Common Stock Repurchase i-2.84MN/A

Short Interest & Institutional Ownership Analysis

MetricSTELNWBI
Shares Short i1.06M6.32M
Short Ratio i4.823.72
Short % of Float i2.71%5.64%
Shares Outstanding i53.43M146.11M
Float Shares i46.70M144.46M
% Held by Insiders i9.75%0.85%
% Held by Institutions i59.96%69.28%
% Held by Public i30.29%29.87%

Dividend Analysis & Yield Comparison: Stellar Bancorp Inc. vs Northwest Bancshares Inc.

MetricSTELNWBI
Last 12-Month Dividend i$0.58$0.80
Last 12-Month Dividend Yield i1.63%6.05%
3-Year Avg Annual Dividend i$0.55$0.80
3-Year Avg Dividend Yield i0.51%1.65%
3-Year Total Dividends i$1.64$2.40
Ex-Dividend DateMar 16, 2026Feb 05, 2026