Northwest Bancshares (FRA:NHS) Liabilities-to-Assets : 0.89 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:NHS Northwest Bancshares Inc FRA:NHS
62 GF Score
Price €12.60
GF Value €10.48
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is Northwest Bancshares Liabilities-to-Assets?

Northwest Bancshares FRA:NHS 62 Liabilities-to-Assets is 0.89 as of Jun. 2026. GuruFocus rates FRA:NHS with a GF Score™ of 62/100 and a GF Value™ of €10.48 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Northwest Bancshares's Total Liabilities for the quarter that ended in Jun. 2026 was €13,262.8 Mil. Northwest Bancshares's Total Assets for the quarter that ended in Jun. 2026 was €14,935.8 Mil. Therefore, Northwest Bancshares's Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2026 was 0.89.


Northwest Bancshares  (FRA:NHS) Liabilities-to-Assets Explanation

Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.


Northwest Bancshares Liabilities-to-Assets Related Terms


Northwest Bancshares Liabilities-to-Assets Historical Data

* Premium members only.

The historical data trend for Northwest Bancshares's Liabilities-to-Assets 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.

Northwest Bancshares Liabilities-to-Assets Chart

Northwest Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Liabilities-to-Assets
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.89 0.89 0.89 0.89 0.89

Northwest Bancshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Liabilities-to-Assets Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.89 0.89 0.89 0.89 0.89

FRA:NHS vs OFG, EFSC, INTR: Liabilities-to-Assets Comparison

For the Banks - Regional subindustry, Northwest Bancshares's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Banks Industry

For the Banks industry and Financial Services sector, Northwest Bancshares's Liabilities-to-Assets distribution charts can be found below:

* The bar in red indicates where Northwest Bancshares's Liabilities-to-Assets falls into.


FRA:NHS
62GF Score
Northwest Bancshares Inc FRA:NHS
Liabilities-to-Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Northwest Bancshares Liabilities-to-Assets Calculation

Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.

Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.

Northwest Bancshares's Liabilities-to-Assets Ratio for the fiscal year that ended in Dec. 2025 is calculated as:

Liabilities-to-Assets (A: Dec. 2025 )=Total Liabilities/Total Assets
=12704.269/14318.691
=0.89

Northwest Bancshares's Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2026 is calculated as

Liabilities-to-Assets (Q: Jun. 2026 )=Total Liabilities/Total Assets
=13262.807/14935.797
=0.89

* 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.

Frequently Asked Questions Learn more about Liabilities-to-Assets →
What does a Liabilities-to-Assets of 0.89 mean?
Northwest Bancshares (FRA:NHS) has a Liabilities-to-Assets of 0.89 as of Jun. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Northwest Bancshares and its competitors.
Is Northwest Bancshares' Liabilities-to-Assets too high?
Northwest Bancshares' current Liabilities-to-Assets is 0.89. Overall, Northwest Bancshares has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Northwest Bancshares' Liabilities-to-Assets compare to OFG and EFSC?
Northwest Bancshares' Liabilities-to-Assets of 0.89 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Northwest Bancshares and its competitors. Northwest Bancshares's current Liabilities-to-Assets is 0.89. 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 €10.48, compared to a current price of €12.60 — trading 20.2% above its estimated fair value. The current Liabilities-to-Assets is 0.89. Northwest Bancshares' overall GF Score™ is 62/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Northwest Bancshares (FRA:NHS), the current Liabilities-to-Assets is 0.89 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 €12.60 is trading 20.2% above its estimated GF Value™ of €10.48. GuruFocus considers Northwest Bancshares to be Modestly Overvalued.

Key valuation signals for FRA:NHS:

  • Liabilities-to-Assets: 0.89
  • GF Value™: €10.48 vs. price of €12.60 (20.2% above fair value)
  • GF Score™: 62/100 with 6 warning signs

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 Business Description

Other Exchanges NWBI:USA
Address 3 Easton Oval, Suite 500, Columbus, OH, USA, 43219
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.
62GF Score

Get the complete analysis for FRA:NHS

Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€12.60
Price
€10.48
GF Value