Northwest BancsharesFRA:NHS +1.64%55 PB Ratio is 1.10 as of Jul. 12, 2026, which is 3% below its 10-year median of 1.13. GuruFocus rates FRA:NHS with a GF Score™ of 55/100 and a GF Value™ of €10.59 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,520 Banks companies, Northwest Bancshares ranks worse than 53.88% on this metric.
Northwest Bancshares Inc stock PB Ratio (=1.16) is close to 3-year high of 1.2.
The historical rank and industry rank for Northwest Bancshares's PB Ratio or its related term are showing as below:
FRA:NHS'
s PB Ratio Range Over the Past 10 Years
Min: 0.72 Med: 1.13 Max: 1.66
Current: 1.16
During the past 13 years, Northwest Bancshares's highest PB Ratio was 1.66. The lowest was 0.72. And the median was 1.13.
FRA:NHS's PB Ratio is ranked worse than 53.88% of 1520
companies
in the Banks industry
Industry Median: 1.1
vs FRA:NHS: 1.16
During the past 12 months, Northwest Bancshares's average Book Value Per Share Growth Rate was 2.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 3.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 1.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 0.90% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Northwest Bancshares was 30.40% per year. The lowest was -2.50% per year. And the median was 3.25% per year.
Back to Basics: PB Ratio
Northwest Bancshares (FRA:NHS) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Northwest Bancshares PB Ratio Related Terms
Northwest Bancshares PB Ratio Historical Data
* Premium members only.
The historical data trend for Northwest Bancshares's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Northwest Bancshares's PB Ratio distribution charts can be found below:
* The bar in red indicates where Northwest Bancshares's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Northwest Bancshares (FRA:NHS) has a PB Ratio of 1.10 as of Jul. 12, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Northwest Bancshares and its competitors. This is near median its historical median of 1.13. Over the past decade, Northwest Bancshares' PB Ratio has ranged from 0.72 to 1.66. According to the industry distribution chart, Northwest Bancshares ranks #819 out of 1520 companies in the Banks industry, placing it in the top 53.9%.
Is Northwest Bancshares' PB Ratio too high?
Northwest Bancshares' current PB Ratio of 1.10 is near median its 10-year median of 1.13. Over the past 10 years, this metric has ranged from a low of 0.72 to a high of 1.66. The Banks industry median PB Ratio is 1.10. Northwest Bancshares' value of 1.10 is 0% at this industry median. Based on the distribution chart, Northwest Bancshares ranks #819 out of 1520 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' PB Ratio compare to SYBT and CLBK?
According to the Banks industry distribution chart, Northwest Bancshares ranks #819 out of 1520 companies for PB Ratio. This places Northwest Bancshares in the lower half of its industry. The industry median PB Ratio is 1.10. Northwest Bancshares' value of 1.10 is 0% at this benchmark. Historically, Northwest Bancshares' own PB Ratio has ranged from 0.72 to 1.66 over the past decade. While the company's 10-year median is 1.13 vs. the industry median of 1.10, Northwest Bancshares has consistently been at 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Northwest Bancshares's current PB Ratio of 1.10 is 0% at 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Northwest Bancshares and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northwest Bancshares's current PB Ratio is 1.10, which is near median its own 10-year median of 1.13. 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 €10.59, compared to a current price of €12.40 — trading 17.1% above its estimated fair value. The current PB Ratio is 1.10, which is near median its 10-year median of 1.13 and 0% at the Banks industry median of 1.10. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Northwest Bancshares (FRA:NHS), the current PB Ratio is 1.10 as of Jul. 12, 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 €12.40 is trading 17.1% above its estimated GF Value™ of €10.59.
GuruFocus considers Northwest Bancshares to be Modestly Overvalued.
Key valuation signals for FRA:NHS:
PB Ratio: 1.10 (near median its 10-year median of 1.13)
GF Value™: €10.59 vs. price of €12.40 (17.1% above fair value)
Industry Position: 0% at the Banks median (#819 of 1520)
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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