Northwest Bancshares (FRA:NHS) Moat Score: 5/10 (As of Jul. 05, 2026)


FRA:NHS Northwest Bancshares Inc FRA:NHS
56 GF Score
Price €12.50
GF Value €10.20
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Northwest Bancshares Moat Score?

Northwest Bancshares FRA:NHS -2.34% 56 Moat Score is 5 as of Jul. 05, 2026. GuruFocus rates FRA:NHS with a GF Score™ of 56/100 and a GF Value™ of €10.20 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,612 Banks companies, Northwest Bancshares ranks better than 94.04% on this metric.

Northwest Bancshares has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Northwest Bancshares has Narrow Moat: Northwest Bancshares has a solid narrow moat due to its regional market presence and customer loyalty. While it benefits from some economies of scale and a strong distribution network, it lacks significant pricing power and regulatory barriers.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Northwest Bancshares might have Narrow Moat - Solid narrow moat.

Northwest Bancshares  (FRA:NHS) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Northwest Bancshares Moat Score Related Terms

FRA:NHS vs SYBT, CLBK, MBIN: Moat Score Comparison

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

For the Banks industry and Financial Services sector, Northwest Bancshares's Moat Score distribution charts can be found below:

* The bar in red indicates where Northwest Bancshares's Moat Score falls into.


FRA:NHS
56GF Score
Northwest Bancshares Inc FRA:NHS
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Northwest Bancshares (FRA:NHS) has a Moat Score of 5 as of Jul. 05, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Northwest Bancshares ranks #96 out of 1612 companies in the Banks industry, placing it in the top 6%.
Is Northwest Bancshares' Moat Score too high?
Northwest Bancshares' current Moat Score is 5. Based on the distribution chart, Northwest Bancshares ranks #96 out of 1612 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' Moat Score compare to SYBT and CLBK?
According to the Banks industry distribution chart, Northwest Bancshares ranks #96 out of 1612 companies for Moat Score. This places Northwest Bancshares in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Northwest Bancshares's current Moat Score is 5. 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 €10.20, compared to a current price of €12.50 — trading 22.5% above its estimated fair value. The current Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Northwest Bancshares (FRA:NHS), the current Moat Score is 5 as of Jul. 05, 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 22.5% above its estimated GF Value™ of €10.20. GuruFocus considers Northwest Bancshares to be Modestly Overvalued.

Key valuation signals for FRA:NHS:

  • Moat Score: 5
  • GF Value™: €10.20 vs. price of €12.50 (22.5% 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

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.
56GF Score

Get the complete analysis for FRA:NHS

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

€12.50
Price
€10.20
GF Value