What does CECL deferral, impact (as a percent) mean?

This metric quantifies the percentage impact of Current Expected Credit Loss (CECL) accounting deferrals on the company's financial reporting. It reflects the temporary relief or adjustment provided to capital ratios during the transition to new credit loss estimation standards. Understanding this impact is crucial for evaluating the underlying credit quality and capital adequacy of the loan portfolio.

Northwest Bancshares NWBI CECL deferral, impact (as a percent)

CECL deferral, impact (as a percent) at other companies

Wintrust FinancialWTFC

$471.59M+5.2%

Tarsus Pharmaceuticals, Inc.TARS

$13.64M+102%

VericelVCEL

$0—

First BanCorpFBP

$245.06M-0.9%

Customers BancorpCUBI

$160.96M+14.1%

TrustmarkTRMK

$160.43M-3.9%

Other financials

Income statement

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Revenue$175.1M+12.1%

Net income$50.5M+16.3%

EPS (diluted)$0.340.0%

Balance sheet

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Cash & equivalents$286.7M-18.8%

Total debt$50.5M-79.8%

Total equity$1.9B+16.9%

Total assets$16.9B+17.0%

Cash flow

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Operating cash flow$73.9M-31.4%

CapEx$4.3M+136%

Free cash flow$69.6M-34.3%

Valuation

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Market cap$2.17B+21.0%

P/E16.3×+0.7×

P/S3.2×-0.1×

Profitability

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Net margin19.8%-1.2pp

FCF margin16.6%—

Returns & leverage

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Return on equity7.5%+0.3pp

Debt / equity0×-0.1×

Where this comes from

Reported directly by Northwest Bancshares in its filing.

Tagged under the XBRL concept nwbi:CECLDeferralImpactPercent.

The official record: Northwest Bancshares’s 10-K, filed February 25, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Northwest Bancshares's CECL deferral, impact (as a percent)?: Northwest Bancshares (NWBI) reported CECL deferral, impact (as a percent) of 75% in Q4 2024.
What does CECL deferral, impact (as a percent) mean?: This metric quantifies the percentage impact of Current Expected Credit Loss (CECL) accounting deferrals on the company's financial reporting. It reflects the temporary relief or adjustment provided to capital ratios during the transition to new credit loss estimation standards. Understanding this impact is crucial for evaluating the underlying credit quality and capital adequacy of the loan portfolio.