EBMT vs GBCI vs WAFD vs NWBI

For growth investors, Northwest Bancshares, Inc.

(NWBI) is the stronger pick with 16. 3% revenue growth year-over-year, versus -1. 6% for WaFd, Inc. (WAFD). Eagle Bancorp Montana, Inc. (EBMT) offers the better valuation at 12. 0x trailing P/E (11. 2x forward), making it the more compelling value choice. Analysts rate Glacier Bancorp, Inc. (GBCI) a "Buy" — based on 14 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, Eagle Bancorp Montana, Inc.

(EBMT) is the cheapest at 12. 0x versus Glacier Bancorp, Inc. at 24. 5x. On forward P/E, Northwest Bancshares, Inc. is actually cheaper at 10. 2x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Northwest Bancshares, Inc. wins at 1. 24x versus WaFd, Inc. 's 3. 55x — a reasonable growth-adjusted valuation.

Over the past 5 years, Northwest Bancshares, Inc.

(NWBI) delivered a total return of +26. 6%, compared to -9. 3% for Glacier Bancorp, Inc. (GBCI). Over 10 years, the gap is even starker: GBCI returned +145. 4% versus NWBI's +52. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Eagle Bancorp Montana, Inc.

(EBMT) is the lower-risk stock at 0. 57β versus Glacier Bancorp, Inc. 's 1. 17β — meaning GBCI is approximately 103% more volatile than EBMT relative to the S&P 500. On balance sheet safety, Northwest Bancshares, Inc. (NWBI) carries a lower debt/equity ratio of 24% versus 69% for Glacier Bancorp, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Northwest Bancshares, Inc.

(NWBI) is pulling ahead at 16. 3% versus -1. 6% for WaFd, Inc. (WAFD). On earnings-per-share growth, the picture is similar: Eagle Bancorp Montana, Inc. grew EPS 53. 2% year-over-year, compared to 5. 2% for WaFd, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Glacier Bancorp, Inc.

(GBCI) is the more profitable company, earning 16. 8% net margin versus 11. 8% for Eagle Bancorp Montana, Inc. — meaning it keeps 16. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: GBCI leads at 22. 9% versus 15. 0% for EBMT. At the gross margin level — before operating expenses — EBMT leads at 70. 9%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Northwest Bancshares, Inc. (NWBI) is the more undervalued stock at a PEG of 1. 24x versus WaFd, Inc. 's 3. 55x. A PEG below 1. 5 suggests fair-to-attractive pricing relative to expected growth. On forward earnings alone, Northwest Bancshares, Inc. (NWBI) trades at 10. 2x forward P/E versus 15. 8x for Glacier Bancorp, Inc. — 5. 6x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for GBCI: 17. 5% to $57. 33.

All stocks in this comparison pay dividends.

Northwest Bancshares, Inc. (NWBI) offers the highest yield at 5. 4%, versus 2. 6% for Eagle Bancorp Montana, Inc. (EBMT).

For long-horizon retirement investors, Eagle Bancorp Montana, Inc.

(EBMT) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 57), 2. 6% yield, +114. 0% 10Y return). Both have compounded well over 10 years (EBMT: +114. 0%, GBCI: +145. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: EBMT is a small-cap deep-value stock; GBCI is a small-cap quality compounder stock; WAFD is a small-cap deep-value stock; NWBI is a small-cap high-growth stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.