Company: NWBI
Filing Date: 2025-01-27
Form Type: S-4
Source: 0001193125-25-012768
Chunk: 29

Company: Northwest Bancshares, Inc.
Filing Date: 2025-01-27
Form: S-4
Chunk 29
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, the plans, goals, objectives, expectations and intentions of Northwest and Penns Woods, the expected timing of completion of the Merger, and other statements that are not historical or current facts. Such statements are subject to numerous assumptions, risks, and uncertainties. Statements that do not describe historical or current facts, including statements about beliefs and expectations, are forward-looking statements. Forward-looking statements may be identified by words such as expect, anticipate, continue, remain, believe, intend, estimate, plan, project, target, goal, or similar expressions, or future or conditional verbs such as will, may, might, should, would, could, or similar variations. The forward-looking statements are intended to be subject to the safe harbor provided by Section 27A of the Securities Act, Section 21E of the Exchange Act, and the Private Securities Litigation Reform Act of 1995 (“Reform Act”), notwithstanding that such statements are not specifically identified. While there is no assurance that any list of risks and uncertainties or risk factors is complete, below are certain factors, in addition to the factors relating to the Merger discussed under the caption “ RISK FACTORS” beginning on page 18 and the factors previously disclosed in Northwest and Penns Woods’ reports filed with the SEC, which could cause actual results to differ materially from those contained or implied in the forward-looking statements:

| • |     | changes in general economic, political, or industry conditions; |

| • |     | uncertainty in U.S. fiscal and monetary policy, including interest rate policies of the Federal Reserve; |

| • |     | volatility and disruptions in global capital and credit markets; |

| • |     | competitive pressures on product pricing and services; |

| • |     | ongoing geopolitical volatility and political uncertainty; |

| • |     | success, impact, and timing of Northwest’s and Penns Woods’ business strategies, including market 
 acceptance of any new products or services;                                                       |

| • |     | the nature, extent, timing, and results of governmental actions, examinations, reviews, reforms, regulations, and                 
 interpretations, as well as those involving the DoBS, Federal Reserve, FDIC, CFPB, and other regulatory authorities, as required; |

| • |     | changes in legislation, regulation, policies or administrative practices, whether by judicial, governmental or                                                                                                                   
 legislative action and other changes pertaining to banking, securities, taxation and financial accounting and reporting, environmental protection and insurance, and the ability to comply with such changes in