Northwest Bancshares (FRA:NHS) 5-Year RORE % : -16.40% (As of Mar. 2026)

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FRA:NHS Northwest Bancshares Inc FRA:NHS
61 GF Score
Price €12.60
GF Value €9.85
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Northwest Bancshares 5-Year RORE %?

Northwest Bancshares FRA:NHS +0.80% 61 5-Year RORE % is -16.40 as of Mar. 2026. GuruFocus rates FRA:NHS with a GF Score™ of 61/100 and a GF Value™ of €9.85 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,409 Banks companies, Northwest Bancshares ranks worse than 89.64% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. Northwest Bancshares's 5-Year RORE % for the quarter that ended in Mar. 2026 was -16.40%.

The industry rank for Northwest Bancshares's 5-Year RORE % or its related term are showing as below:

FRA:NHS's 5-Year RORE % is ranked worse than
89.64% of 1409 companies
in the Banks industry
Industry Median: 9.83 vs FRA:NHS: -16.40

Northwest Bancshares  (FRA:NHS) 5-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 5-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


Northwest Bancshares 5-Year RORE % Related Terms


Northwest Bancshares 5-Year RORE % Historical Data

* Premium members only.

The historical data trend for Northwest Bancshares's 5-Year RORE % 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 5-Year RORE % Chart

Northwest Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
5-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 18.89 12.40 5.62 34.24 -21.83

Northwest Bancshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
5-Year RORE % 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 13.65 -4.12 -26.12 -21.83 -16.40

FRA:NHS vs SYBT, CLBK, MBIN: 5-Year RORE % Comparison

For the Banks - Regional subindustry, Northwest Bancshares's 5-Year RORE %, along with its competitors' market caps and 5-Year RORE % 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 5-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, Northwest Bancshares's 5-Year RORE % distribution charts can be found below:

* The bar in red indicates where Northwest Bancshares's 5-Year RORE % falls into.


FRA:NHS
61GF Score
Northwest Bancshares Inc FRA:NHS
5-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Northwest Bancshares 5-Year RORE % Calculation

Northwest Bancshares's 5-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

5-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 5-year -Cumulative Dividends per Share for 5-year )
=( 0.801-0.957 )/( 4.581-3.63 )
=-0.156/0.951
=-16.40 %

* 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.

In the calculation of 5-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 5-year before.

Frequently Asked Questions Learn more about 5-Year RORE % →
What does a 5-Year RORE % of -16.40 mean?
Northwest Bancshares (FRA:NHS) has a 5-Year RORE % of -16.40 as of Mar. 2026. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Northwest Bancshares and its competitors. According to the industry distribution chart, Northwest Bancshares ranks #1263 out of 1409 companies in the Banks industry, placing it in the top 89.6%.
Is Northwest Bancshares' 5-Year RORE % too high?
Northwest Bancshares' current 5-Year RORE % is -16.40. Based on the distribution chart, Northwest Bancshares ranks #1263 out of 1409 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Northwest Bancshares has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Northwest Bancshares' 5-Year RORE % compare to SYBT and CLBK?
According to the Banks industry distribution chart, Northwest Bancshares ranks #1263 out of 1409 companies for 5-Year RORE %. This places Northwest Bancshares in the lower half of its industry. The industry median 5-Year RORE % is 9.83. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year RORE % for a Banks company?
The median 5-Year RORE % among Banks companies is 9.83, based on 1,409 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year RORE % 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 5-Year RORE % mean?
A high 5-Year RORE % can signal that a stock is expensive relative to its fundamentals. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Northwest Bancshares and its competitors. For the Banks industry, the median 5-Year RORE % is 9.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northwest Bancshares's current 5-Year RORE % is -16.40. 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 €9.85, compared to a current price of €12.60 — trading 27.9% above its estimated fair value. The current 5-Year RORE % is -16.40. Northwest Bancshares' overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year RORE % calculated?
5-Year RORE % is calculated from a company's financial statements. For Northwest Bancshares (FRA:NHS), the current 5-Year RORE % is -16.40 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 €12.60 is trading 27.9% above its estimated GF Value™ of €9.85. GuruFocus considers Northwest Bancshares to be Modestly Overvalued.

Key valuation signals for FRA:NHS:

  • 5-Year RORE %: -16.40
  • GF Value™: €9.85 vs. price of €12.60 (27.9% above fair value)
  • GF Score™: 61/100 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.
61GF Score

Get the complete analysis for FRA:NHS

5-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€12.60
Price
€9.85
GF Value