Northwest Bancshares (FRA:NHS) Scaled Net Operating Assets: 0.04 (As of Mar. 2026)


FRA:NHS Northwest Bancshares Inc FRA:NHS
56 GF Score
Price €12.60
GF Value €10.26
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Northwest Bancshares Scaled Net Operating Assets?

Northwest Bancshares FRA:NHS -0.79% 56 Scaled Net Operating Assets is 0.04 as of Mar. 2026. GuruFocus rates FRA:NHS with a GF Score™ of 56/100 and a GF Value™ of €10.26 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Northwest Bancshares's operating assets for the quarter that ended in Mar. 2026 was €12,865.5 Mil. Northwest Bancshares's operating liabilities for the quarter that ended in Mar. 2026 was €12,232.3 Mil. Northwest Bancshares's Total Assets for the quarter that ended in Dec. 2025 was €14,318.7 Mil. Therefore, Northwest Bancshares's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.04.

FRA:NHS
56GF Score
Northwest Bancshares Inc FRA:NHS
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Northwest Bancshares Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Northwest Bancshares's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(14119.156-12114.005)/13759.854
=0.15

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=14318.691 - 199.535
=14119.156

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=12704.269 - 299.22 - 291.044
=12114.005

Northwest Bancshares's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(12865.51-12232.326)/14318.691
=0.04

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=14624.597 - 1759.087
=12865.51

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=12977.372 - 515.403 - 229.643
=12232.326

* 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.

What does a Scaled Net Operating Assets of 0.04 mean?
Northwest Bancshares (FRA:NHS) has a Scaled Net Operating Assets of 0.04 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Northwest Bancshares and its competitors.
Is Northwest Bancshares' Scaled Net Operating Assets too high?
Northwest Bancshares' current Scaled Net Operating Assets 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' Scaled Net Operating Assets compare to SYBT and CLBK?
Northwest Bancshares' Scaled Net Operating Assets 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Northwest Bancshares and its competitors. Northwest Bancshares's current Scaled Net Operating Assets 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 €10.26, compared to a current price of €12.60 — trading 22.8% above its estimated fair value. The current Scaled Net Operating Assets 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Northwest Bancshares (FRA:NHS), the current Scaled Net Operating Assets 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 €12.60 is trading 22.8% above its estimated GF Value™ of €10.26. GuruFocus considers Northwest Bancshares to be Modestly Overvalued.

Key valuation signals for FRA:NHS:

  • Scaled Net Operating Assets: 0.04
  • GF Value™: €10.26 vs. price of €12.60 (22.8% 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

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

€12.60
Price
€10.26
GF Value