Overall Score

Profitability

NWBI remains profitable with TTM net profit margin of 18.1% and ROE of 8.1%, but returns on assets and invested capital remain low at 0.9% and 0.6%.

Operating margins are still modest, with EBIT margin at 15.9% and EBITDA margin at 15.8%, indicating limited operating leverage.

Growth

No fresh revenue or earnings growth data was provided this month, so the growth outlook remains anchored to existing profitability and valuation metrics.

The business still appears capable of steady compounding, but there is no new evidence of an acceleration in growth.

Financial Health

Liquidity remains tight with a current ratio of 0.93 and negative working capital of -$22.5M, which limits balance-sheet flexibility.

Leverage is meaningful, with net debt to EBITDA at 4.6x and interest coverage at 0.57x, keeping financial risk elevated despite strong cash balances per share.

Valuation

Valuation is reasonable rather than cheap, with P/E at 15.0x, P/B at 1.21x, and price-to-sales at 2.74x.

Cash generation is decent, but price-to-free-cash-flow at 16.8x suggests the stock is not deeply discounted.