Northwest Bancshares (FRA:NHS) LT-Debt-to-Total-Asset: 0.04 (As of Mar. 2026)

What is Northwest Bancshares LT-Debt-to-Total-Asset?

Northwest Bancshares FRA:NHS -2.34% 56 LT-Debt-to-Total-Asset is 0.04 as of Mar. 2026. GuruFocus rates FRA:NHS with a GF Score™ of 56/100 and a GF Value™ of €10.62 (Modestly Overvalued). The stock has 5 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Northwest Bancshares's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.04.

Northwest Bancshares's long-term debt to total assets ratio increased from Mar. 2025 (0.02) to Mar. 2026 (0.04). It may suggest that Northwest Bancshares is progressively becoming more dependent on debt to grow their business.

Northwest Bancshares (FRA:NHS) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Northwest Bancshares LT-Debt-to-Total-Asset Related Terms

Northwest Bancshares LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Northwest Bancshares's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Northwest Bancshares Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

Get a 7-Day Free Trial

0.02

Northwest Bancshares Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.02	0.02	0.02	0.02	0.04

56GF Score

Northwest Bancshares Inc FRA:NHS

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

View Full Analysis

Northwest Bancshares LT-Debt-to-Total-Asset Calculation

Northwest Bancshares's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	299.22	/	14318.691
	=	0.02

Northwest Bancshares's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	515.403	/	14624.597
	=	0.04

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.04 mean?

Northwest Bancshares (FRA:NHS) has a LT-Debt-to-Total-Asset of 0.04 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Northwest Bancshares and its competitors.

Is Northwest Bancshares' LT-Debt-to-Total-Asset too high?

Northwest Bancshares' current LT-Debt-to-Total-Asset is 0.04. Overall, Northwest Bancshares has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Northwest Bancshares' LT-Debt-to-Total-Asset compare to SYBT and CLBK?

Northwest Bancshares' LT-Debt-to-Total-Asset of 0.04 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Northwest Bancshares and its competitors. Northwest Bancshares's current LT-Debt-to-Total-Asset is 0.04. 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 €12.50 — trading 17.7% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.04. Northwest Bancshares' overall GF Score™ is 56/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Northwest Bancshares (FRA:NHS), the current LT-Debt-to-Total-Asset is 0.04 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 €12.50 is trading 17.7% above its estimated GF Value™ of €10.62. GuruFocus considers Northwest Bancshares to be Modestly Overvalued.

Key valuation signals for FRA:NHS:

LT-Debt-to-Total-Asset: 0.04
GF Value™: €10.62 vs. price of €12.50 (17.7% above fair value)
GF Score™: 56/100 with 5 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

Industry Financial Services Banks

Comparable Companies SYBT CLBK MBIN BANR BLX HAPN FCF OFG NBHC INTR SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Other Exchanges NWBI:USA

Address 3 Easton Oval, Suite 500, Columbus, OH, USA, 43219

Website https://www.northwest.bank

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.

56GF Score

Get the complete analysis for FRA:NHS

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€12.50

Price

€10.62

GF Value

View FRA:NHS Analysis

See LT-Debt-to-Total-Asset data for all stocks →