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Northwest BancsharesFRA:NHS +0.79%60 Debt-to-Equity is 0.73 as of Jun. 2026, which is 181% above its 10-year median of 0.26. GuruFocus rates FRA:NHS with a GF Score™ of 60/100 and a GF Value™ of €10.62 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,422 Banks companies, Northwest Bancshares ranks worse than 58.58% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Northwest Bancshares's Debt-to-Equity or its related term are showing as below:
FRA:NHS'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.17 Med: 0.26 Max: 0.73
Current: 0.73
During the past 13 years, the highest Debt-to-Equity Ratio of Northwest Bancshares was 0.73. The lowest was 0.17. And the median was 0.26.
FRA:NHS's Debt-to-Equity is ranked worse than 58.58% of 1422
companies
in the Banks industry
Industry Median: 0.58
vs FRA:NHS: 0.73
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Northwest Bancshares Debt-to-Equity Related Terms
Northwest Bancshares Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Northwest Bancshares's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:NHS vs BLX, OFG, MBIN: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Northwest Bancshares's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Northwest Bancshares Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Northwest Bancshares's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Northwest Bancshares's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Northwest Bancshares (FRA:NHS) has a Debt-to-Equity of 0.73 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Northwest Bancshares and its competitors. This is 181% above median its historical median of 0.26. Over the past decade, Northwest Bancshares' Debt-to-Equity has ranged from 0.17 to 0.73. According to the industry distribution chart, Northwest Bancshares ranks #833 out of 1422 companies in the Banks industry, placing it in the top 58.6%.
Is Northwest Bancshares' Debt-to-Equity too high?
Northwest Bancshares' current Debt-to-Equity of 0.73 is 181% above median its 10-year median of 0.26. Over the past 10 years, this metric has ranged from a low of 0.17 to a high of 0.73. The Banks industry median Debt-to-Equity is 0.58. Northwest Bancshares' value of 0.73 is 25.9% above this industry median. Based on the distribution chart, Northwest Bancshares ranks #833 out of 1422 companies in the Banks industry, which is below the industry midpoint. Overall, Northwest Bancshares has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Northwest Bancshares' Debt-to-Equity compare to BLX and OFG?
According to the Banks industry distribution chart, Northwest Bancshares ranks #833 out of 1422 companies for Debt-to-Equity. This places Northwest Bancshares in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Northwest Bancshares' value of 0.73 is 25.9% above this benchmark. Historically, Northwest Bancshares' own Debt-to-Equity has ranged from 0.17 to 0.73 over the past decade. While the company's 10-year median is 0.26 vs. the industry median of 0.58, Northwest Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Northwest Bancshares's current Debt-to-Equity of 0.73 is 25.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Northwest Bancshares and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northwest Bancshares's current Debt-to-Equity is 0.73, which is 181% above median its own 10-year median of 0.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Northwest Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Northwest Bancshares (FRA:NHS) is currently considered Modestly Overvalued. The stock's GF Value™ is €10.62, compared to a current price of €12.70 — trading 19.6% above its estimated fair value. The current Debt-to-Equity is 0.73, which is 181% above median its 10-year median of 0.26 and 25.9% above the Banks industry median of 0.58. Northwest Bancshares' overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Northwest Bancshares (FRA:NHS), the current Debt-to-Equity is 0.73 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Northwest Bancshares (FRA:NHS) Overvalued in 2026?
Based on GuruFocus' analysis, Northwest Bancshares stock appears to be overvalued.
The current stock price of €12.70 is trading 19.6% above its estimated GF Value™ of €10.62.
GuruFocus considers Northwest Bancshares to be Modestly Overvalued.
Key valuation signals for FRA:NHS:
Debt-to-Equity: 0.73 (181% above median its 10-year median of 0.26)
GF Value™: €10.62 vs. price of €12.70 (19.6% above fair value)
Industry Position: 25.9% above the Banks median (#833 of 1422)
No single metric tells the full story. See the FRA:NHS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Northwest Bancshares Inc is a stockholding company for Northwest Bank. Northwest Bank is a stock savings bank and a community-oriented financial institution, offering personal and commercial banking solutions, business services, investment management, trust services, and insurance products. It also offers consumer finance loans through a wholly-owned subsidiary. The bank's loan portfolio segment consists of personal banking and Commercial Banking loans. Personal banking includes residential mortgages, home equity loans, and other consumer loans. Commercial Banking loans consist of commercial real estate loans and commercial loans. Net interest income is the company's primary contributor to revenue.
60GF Score
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