GS
The Goldman Sachs Group, Inc.
GS's outlook is improving, though it still trails on the overall score.
NWBI
Northwest Bancshares, Inc.
NWBI has the edge over GS overall, supported by stronger modeled upside and stronger valuation.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
NWBI Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
NWBI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like NWBI.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
NWBI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $14.43 | -4.7% |
| Current | 11x | $15.13 | — |
| Forward | 11x | $15.13 | — |
| Fair | 14x | $18.28 | +21% |
| Expensive | 17x | $22.33 | +48% |
Historical ranges are pointers, not guarantees.
NWBI has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
NWBI Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
NWBI has the edge over GS on the outlook, with more favorable valuation expectations.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over NWBI on earnings, with more consistent year-over-year improvement.
NWBI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.43 | +6.8% |
| Q3 2026 | $1.34 | +52% |
| Q2 2026 | $1.02 | -8.9% |
| Q1 2026 | $0.92 | +2.2% |
| Q4 2025 | $0.92 | +16% |
| Q3 2025 | $0.88 | +16% |
| Q2 2025 | $1.12 | +38% |
| Q1 2025 | $0.90 | -13% |
| Q4 2024 | $0.79 | -25% |
NWBI earned $1.34 per share over the past year, up 52% from the year before.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS has the edge over NWBI on profitability, with a higher operating margin.
NWBI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $184.9M | +9.9% |
| Q2 2026 | $181.2M | +20% |
| Q1 2026 | $175.1M | +12% |
| Q4 2025 | $179.9M | +17% |
| Q3 2025 | $168.2M | +21% |
| Q2 2025 | $150.4M | +53% |
| Q1 2025 | $156.2M | +19% |
| Q4 2024 | $154.3M | +14% |
NWBI has the edge over GS on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 36% | +34 points |
| Q2 2026 | 39% | +9.5 points |
| Q1 2026 | 38% | +1.9 points |
| Q4 2025 | 33% | +5.1 points |
| Q3 2025 | 2.1% | -29 points |
| Q2 2025 | 29% | +23 points |
| Q1 2025 | 36% | +7.4 points |
| Q4 2024 | 27% | +0.3 points |
NWBI's operating margin was 36% last quarter, up 34 points from the same quarter a year ago.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
NWBI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $18.9M | -51% |
| Q2 2026 | $26.1M | +$32.1M |
| Q1 2026 | $69.6M | -34% |
| Q3 2025 | $38.3M | -59% |
| Q2 2025 | -$6M | -115% |
| Q1 2025 | $105.8M | +50% |
| Q3 2024 | $93.3M | +$98.3M |
| Q2 2024 | $40.7M | +77% |
NWBI has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over NWBI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
NWBI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +122K shares |
| 1 year | +0.3% | +481K shares |
| 3 years | +15% | +19.5M shares |
| 5 years | +15% | +19.6M shares |
| Available history | +38% | +40.7M shares |
NWBI has 147M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | $18.8M |
| Q2 2021 | $465,000 |
| Q1 2021 | $4.6M |
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over NWBI on leverage, with a lower net debt burden relative to earnings.
NWBI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.8x | Net Cash |
| Q2 2026 | -0.7x | Net Cash |
| Q1 2026 | -1.0x | Net Cash |
| Q4 2025 | -0.7x | Net Cash |
| Q3 2025 | 1.4x | Healthy |
| Q2 2025 | 0.2x | Very low |
| Q1 2025 | -0.3x | Net Cash |
| Q4 2024 | 0.2x | Very low |
NWBI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like NWBI.
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
NWBI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.1 | Neutral |
| Stochastic | 43.8 | Neutral |
NWBI's weekly RSI is 54 (neutral) and its Stochastic is 44 (neutral).
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
NWBI PE vs Financial Services Sector
| Metric | NWBI | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 13% below |
| PE % | 31 | 63 | 32 pts below |
NWBI has the edge over GS on valuation relative to its sector.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
NWBI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.2 | 0.1% below |
| 20 week MA | $15.3 | 1.3% below |
| 50 week MA | $14.0 | 8% above |
| 100 week MA | $13.2 | 15% above |
| 200 week MA | $12.6 | 20% above |
NWBI has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 20% above its 200-week average.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.
NWBI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $16.6 | $12.6 | -24% |
| 2021 | $12.6 | $14.0 | +12% |
| 2022 | $14.0 | $14.0 | +0.2% |
| 2023 | $14.0 | $12.5 | -11% |
| 2024 | $12.5 | $13.3 | +6.2% |
| 2025 | $13.3 | $12.3 | -7.5% |
| 2026 YTD | $12.3 | $15.1 | +24% |
NWBI has the edge over GS on returns for 2026, with the stronger performance.