Northwest BancsharesFRA:NHS +1.59%55 FCF Margin % is 39.93% as of Mar. 2026, which is 42% above its 10-year median of 28.18. GuruFocus rates FRA:NHS with a GF Score™ of 55/100 and a GF Value™ of €10.58 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,505 Banks companies, Northwest Bancshares ranks worse than 62.72% on this metric.
The historical rank and industry rank for Northwest Bancshares's FCF Margin % or its related term are showing as below:
FRA:NHS'
s FCF Margin % Range Over the Past 10 Years
Min: 15.39 Med: 28.18 Max: 37.08
Current: 15.76
During the past 13 years, the highest FCF Margin % of Northwest Bancshares was 37.08%. The lowest was 15.39%. And the median was 28.18%.
FRA:NHS's FCF Margin % is ranked worse than 62.72% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs FRA:NHS: 15.76
Northwest Bancshares FCF Margin % Related Terms
Northwest Bancshares FCF Margin % Historical Data
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The historical data trend for Northwest Bancshares's FCF Margin % 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.
For the Banks - Regional subindustry, Northwest Bancshares's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Northwest Bancshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Northwest Bancshares's FCF Margin % 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 FCF Margin % of 39.93% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Northwest Bancshares and its competitors. This is 42% above median its historical median of 28.18. Over the past decade, Northwest Bancshares' FCF Margin % has ranged from 15.39 to 37.08. According to the industry distribution chart, Northwest Bancshares ranks #944 out of 1505 companies in the Banks industry, placing it in the top 62.7%.
Is Northwest Bancshares' FCF Margin % too high?
Northwest Bancshares' current FCF Margin % of 39.93% is 42% above median its 10-year median of 28.18. Over the past 10 years, this metric has ranged from a low of 15.39 to a high of 37.08. The Banks industry median FCF Margin % is 26.55. Northwest Bancshares' value of 39.93% is 50.4% above this industry median. Based on the distribution chart, Northwest Bancshares ranks #944 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, Northwest Bancshares has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Northwest Bancshares' FCF Margin % compare to BLX and LC?
According to the Banks industry distribution chart, Northwest Bancshares ranks #944 out of 1505 companies for FCF Margin %. This places Northwest Bancshares in the lower half of its industry. The industry median FCF Margin % is 26.55. Northwest Bancshares' value of 39.93% is 50.4% above this benchmark. Historically, Northwest Bancshares' own FCF Margin % has ranged from 15.39 to 37.08 over the past decade. While the company's 10-year median is 28.18 vs. the industry median of 26.55, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Northwest Bancshares's current FCF Margin % of 39.93% is 50.4% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Northwest Bancshares and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northwest Bancshares's current FCF Margin % is 39.93%, which is 42% above median its own 10-year median of 28.18. 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 €10.58, compared to a current price of €12.80 — trading 21% above its estimated fair value. The current FCF Margin % is 39.93%, which is 42% above median its 10-year median of 28.18 and 50.4% above the Banks industry median of 26.55. Northwest Bancshares' overall GF Score™ is 55/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Northwest Bancshares (FRA:NHS), the current FCF Margin % is 39.93% as of Mar. 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 €12.80 is trading 21% above its estimated GF Value™ of €10.58.
GuruFocus considers Northwest Bancshares to be Modestly Overvalued.
Key valuation signals for FRA:NHS:
FCF Margin %: 39.93% (42% above median its 10-year median of 28.18)
GF Value™: €10.58 vs. price of €12.80 (21% above fair value)
Industry Position: 50.4% above the Banks median (#944 of 1505)
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.
55GF Score
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