8-K Announcements
6Material company update
Apr 21, 2026·SEC
Material company update
Mar 13, 2026·SEC
Material company update
Mar 3, 2026·SEC
Northpointe Bancshares, Inc.(NPB)Earnings, Financials & Key Ratios
NPB•NYSE•Banking & Credit
$17.69
$265M mkt cap·3.6× P/E·Price updated May 7, 2026
AboutNorthpointe Bancshares, Inc. operates as the bank holding company for Northpointe Bank provides various banking products and services in the United States. It operates through two segments: Mortgage Purchase Program and Retail Banking. The company offers digital deposit banking, such as noninterest-bearing accounts, savings, money-market demand accounts, and certificates of deposits; personal and business banking; and health saving accounts; home loans; mortgage purchase program; residential mortgage lending; and custodial deposit services. Northpointe Bancshares, Inc. was incorporated in 1998 and is headquartered in Grand Rapids, Michigan.Show more
- Net Interest Income$151M+32.0%
- Total Revenue$471M+20.7%
- Net Income$83M+51.2%
- Return on Equity8.19%+136.5%
- Net Interest Margin2.15%-70.8%
- Efficiency Ratio27.43%-6.5%
- ROA1.95%-26.5%
- Equity / Assets8.1%-91.4%
- Book Value per Share38.65-60.7%
- Tangible BV/Share38.55-60.8%
- Debt/Equity2.70+13891.1%
NPB Key Insights
Northpointe Bancshares, Inc. (NPB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 49.8%
- ✓Efficient operations: 27.4% efficiency ratio
- ✓Trading at only 0.5x book value
✗Weaknesses
- ✗High debt to equity ratio of 2.7x
- ✗Weak 3Y average ROE of 4.4%
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
NPB Price & Volume
Northpointe Bancshares, Inc. (NPB) stock price & volume — 10-year historical chart
Loading chart...
NPB Growth Metrics
Northpointe Bancshares, Inc. (NPB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years67.1%
3 Years13.27%
TTM-
Profit CAGR
10 Years-
5 Years49.84%
3 Years53.11%
TTM51.2%
EPS CAGR
10 Years-
5 Years14.73%
3 Years74.04%
TTM51.26%
Return on Capital
10 Years1.26%
5 Years1.43%
3 Years3.88%
Last Year6.06%
NPB Recent Earnings
Northpointe Bancshares, Inc. (NPB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 5/12 qtrs (50%)●Beat Revenue 4/12 qtrs (67%)
Q2 2026Latest
Apr 21, 2026EPS
$0.62
Est $0.66
-6.1%
Revenue
$9M
Est $9M
-0.5%
Q1 2026
Jan 20, 2026EPS
$0.52
Est $0.60
-13.3%
Revenue
$9M
Est $9M
-0.6%
Q4 2025
Oct 21, 2025EPS
$0.57
Est $0.56
+1.8%
Revenue
$64M
Est $9M
+628.4%
Q3 2025
Jul 22, 2025EPS
$0.51
Est $0.51
+0.0%
Revenue
$59M
Est $8M
+645.6%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 21, 2026 | $0.62vs $0.66-6.1% | $9Mvs $9M-0.5% |
| Q1 2026 | Jan 20, 2026 | $0.52vs $0.60-13.3% | $9Mvs $9M-0.6% |
| Q4 2025 | Oct 21, 2025 | $0.57vs $0.56+1.8% | $64Mvs $9M+628.4% |
| Q3 2025 | Jul 22, 2025 | $0.51vs $0.51+0.0% | $59Mvs $8M+645.6% |
Based on last 12 quarters of dataView full earnings history →
NPB Peer Comparison
Northpointe Bancshares, Inc. (NPB) competitors in Mortgage originators and servicers — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 MBWM | 898.44M | 52.01 | 9.53 | 2.74% | 13.54% | 1.14 | ||
 IBCP | 698.89M | 33.95 | 10.38 | -0.3% | 14.2% | 0.23 | ||
 CZWI | 202.97M | 21.08 | 14.44 | -9.41% | 7.81% | 0.28 | ||
 BWFG | 415.48M | 52.11 | 11.71 | 6.13% | 12.21% | 0.60 | ||
 WAFD | 2.73B | 35.67 | 13.56 | -1.58% | 8.02% | 0.60 | ||
 FXNC | 252.79M | 27.96 | 14.27 | 27.11% | 9.98% | 0.23 | ||
 LKFN | 1.63B | 62.60 | 15.61 | -1.93% | 14.19% | 0.24 | ||
 CFFI | 252.26M | 77.48 | 9.35 | 11.78% | 10.82% | 0.44 |
Compare NPB vs Peers
Northpointe Bancshares, Inc. (NPB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
NPB Income Statement
Northpointe Bancshares, Inc. (NPB) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|
| Net Interest Income | 545.65K | 525.54K | 99.44M | 101.22M | 114.22M | 150.74M |
| NII Growth % | - | -3.69% | 18820.99% | 1.79% | 12.84% | 31.98% |
| Net Interest Margin % | 0.06% | 0.06% | 2.44% | 3.87% | 7.36% | 2.15% |
| Interest Income | 568.09K | 525.54K | 166.12M | 267.38M | 317.53M | 380.2M |
| Interest Expense | 22.44K | 0 | 66.69M | 166.16M | 203.32M | 229.47M |
| Loan Loss Provision | -22.44K | 1.14M | 2.22M | -1.49M | -328K | 2.1M |
| Non-Interest Income | 35.6M | 1.64M | 158.12M | 95.07M | 72.92M | 90.98M |
| Non-Interest Income % | 98.43% | 75.77% | 48.77% | 26.23% | 18.68% | 19.31% |
| Total Revenue | 36.17M▲ 0% | 2.17M▼ 94.0% | 324.24M▲ 14852.3% | 362.45M▲ 11.8% | 390.45M▲ 7.7% | 471.18M▲ 20.7% |
| Revenue Growth % | - | -94% | 14852.26% | 11.78% | 7.73% | 20.68% |
| Non-Interest Expense | 32.52M | 52.05M | 221.65M | 153.08M | 114.59M | 129.23M |
| Efficiency Ratio | 89.92% | 2400.31% | 68.36% | 42.24% | 29.35% | 27.43% |
| Operating Income | 3.65M▲ 0% | -51.03M▼ 1498.9% | 33.69M▲ 166.0% | 44.69M▲ 32.6% | 72.88M▲ 63.1% | 110.39M▲ 51.5% |
| Operating Margin % | 10.08% | -2353.06% | 10.39% | 12.33% | 18.66% | 23.43% |
| Operating Income Growth % | - | -1498.86% | 166.03% | 32.63% | 63.08% | 51.48% |
| Pretax Income | 11.33M▲ 0% | -57.52M▼ 607.7% | 33.69M▲ 158.6% | 44.69M▲ 32.6% | 72.88M▲ 63.1% | 110.39M▲ 51.5% |
| Pretax Margin % | 31.32% | -2652.28% | 10.39% | 12.33% | 18.66% | 23.43% |
| Income Tax | 286.79K | -77.7K | 10.46M | 10.93M | 17.72M | 26.98M |
| Effective Tax Rate % | 2.53% | 0.14% | 31.03% | 24.45% | 24.31% | 24.44% |
| Net Income | 11.04M▲ 0% | -57.44M▼ 620.2% | 23.24M▲ 140.5% | 33.76M▲ 45.3% | 55.16M▲ 63.4% | 83.41M▲ 51.2% |
| Net Margin % | 30.53% | -2648.7% | 7.17% | 9.31% | 14.13% | 17.7% |
| Net Income Growth % | - | -620.18% | 140.46% | 45.28% | 63.38% | 51.22% |
| Net Income (Continuing) | 11.04M | -57.44M | 23.24M | 33.76M | 55.16M | 83.41M |
| EPS (Diluted) | 2.44▲ 0% | -1.74▼ 171.3% | 0.92▲ 152.9% | 1.61▲ 75.0% | 3.15▲ 95.7% | 4.85▲ 54.0% |
| EPS Growth % | - | -171.31% | 152.87% | 75% | 95.65% | 53.97% |
| EPS (Basic) | 2.83 | -1.74 | 0.92 | 1.61 | 3.15 | 4.92 |
| Diluted Shares Outstanding | 29.72M | 33.03M | 14.92M | 14.92M | 14.92M | 14.72M |
NPB Balance Sheet
Northpointe Bancshares, Inc. (NPB) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 732.49M | 670.96M | 3.45B | 2.28B | 1.27B | 501.2M |
| Cash & Due from Banks | 727.66M | 552.8M | 3.21B | 2.14B | 498.25M | 496.46M |
| Short Term Investments | 4.82M | 118.16M | 239.99M | 143.22M | 767.38M | 4.74M |
| Total Investments | 106.48M | 173.4M | 270.84M | 155.3M | 992.36M | 6.41B |
| Investments Growth % | - | 62.85% | 56.19% | -42.66% | 538.99% | 545.58% |
| Long-Term Investments | 101.66M | 55.24M | 30.85M | 12.08M | 224.98M | 6.41B |
| Accounts Receivables | 54.72M | 5.19M | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 43.28M | 44.28M | 281.45M | 118.11M | 0 | 1.51M |
| Goodwill | 24.86M | 25.51M | 162.57M | 0 | 0 | 1.51M |
| Intangible Assets | 18.42M | 18.77M | 118.88M | 118.11M | 0 | 0 |
| PP&E (Net) | 6.16M | 24.87M | 123.96M | 82.91M | 27.72M | 27.57M |
| Other Assets | 307.35K | 4.18M | 10.91M | 63.2M | 9.96M | -6.41B |
| Total Current Assets | 817.1M | 750.18M | 3.63B | 2.34B | 1.29B | 501.2M |
| Total Non-Current Assets | 151.4M | 128.56M | 447.18M | 276.3M | 262.67M | 29.08M |
| Total Assets | 968.5M▲ 0% | 878.74M▼ 9.3% | 4.07B▲ 363.6% | 2.61B▼ 35.9% | 1.55B▼ 40.6% | 7.02B▲ 352.4% |
| Asset Growth % | - | -9.27% | 363.57% | -35.86% | -40.59% | 352.4% |
| Return on Assets (ROA) | 1.14% | -6.22% | 0.94% | 1.01% | 2.65% | 1.95% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 2.08M | 17.64M | 74.98M | 133.87M | 28.33M | 1.54B |
| Net Debt | -725.58M | -535.16M | -3.14B | -2.01B | -469.92M | 1.04B |
| Long-Term Debt | 0 | 0 | 0 | 58.91M | 0 | 1.54B |
| Short-Term Debt | 1.23M | 0 | 18.96M | 29.97M | 0 | 420M |
| Other Liabilities | 19.11M | 15.2M | 373.52M | 400.99M | 520 | 4.91B |
| Total Current Liabilities | 88.1M | 97.9M | 758.14M | 411.81M | 61.71M | 4.87B |
| Total Non-Current Liabilities | 19.96M | 65.52M | 405.58M | 483M | 22.38M | 6.45B |
| Total Liabilities | 108.05M | 163.42M | 1.16B | 894.81M | 84.08M | 6.45B |
| Total Equity | 860.45M▲ 0% | 715.33M▼ 16.9% | 2.91B▲ 306.8% | 1.72B▼ 41.0% | 1.47B▼ 14.5% | 569.04M▼ 61.2% |
| Equity Growth % | - | -16.87% | 306.78% | -40.95% | -14.54% | -61.24% |
| Equity / Assets (Capital Ratio) | 88.84% | 81.4% | 71.43% | 65.75% | 94.58% | 8.1% |
| Return on Equity (ROE) | 1.28% | -7.29% | 1.28% | 1.46% | 3.46% | 8.19% |
| Book Value per Share | 28.95 | 21.66 | 195.06 | 115.18 | 98.43 | 38.65 |
| Tangible BV per Share | 27.49 | 20.32 | 176.20 | 107.26 | 98.43 | 38.55 |
| Common Stock | 17.43K | 19.77K | 131.99K | 133K | 138.68K | 204.88M |
| Additional Paid-in Capital | 1.18B | 1.43B | 9.58B | 9.8B | 10.66B | 204.88M |
| Retained Earnings | -309.38M | -683.21M | -6.86B | -8.33B | -9.39B | 364.37M |
| Accumulated OCI | -7.77M | -29.26M | 213.79M | 298.29M | 243.67M | -199K |
| Treasury Stock | 0 | 0 | -21.25M | -56.8M | -45.44M | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 |
NPB Cash Flow Statement
Northpointe Bancshares, Inc. (NPB) cash flow — operating, investing & free cash flow history
| Line item | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|
| Cash from Operations | 62.81M | -150.88M | -79.52M | -24.11M | 19.81M | 44.29M |
| Operating CF Growth % | - | -340.2% | 47.3% | 69.68% | 182.17% | 123.59% |
| Net Income | 68.23M | -361.52M | 23.24M | 33.76M | 55.16M | 83.41M |
| Depreciation & Amortization | 3.25M | 4.89M | 0 | 0 | 0 | 0 |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 26.2M | 144.57M | -93.75M | -60.16M | -13.53M | -65.2M |
| Working Capital Changes | -34.86M | 61.17M | -9M | 2.29M | -21.82M | 26.09M |
| Cash from Investing | -29.25M | -112.76M | 255.9M | -222.41M | -458.24M | -1.63B |
| Purchase of Investments | -361.04M | -1.58B | -5.82M | 0 | -4M | 0 |
| Sale/Maturity of Investments | 370.28M | 1.47B | 1.29M | 790K | 11.13M | 0 |
| Net Investment Activity | 9.24M | -108.12M | -4.53M | 790K | 7.13M | 0 |
| Acquisitions | -37.33M | 0 | 0 | 0 | 0 | 0 |
| Other Investing | 0 | 0 | 265.53M | -217.66M | -464.31M | -1.63B |
| Cash from Financing | 498.46M | 92.09M | -354.76M | 324.17M | 462.83M | 1.71B |
| Dividends Paid | 0 | 0 | -17.41M | -12.22M | -11.58M | -3.22M |
| Share Repurchases | -5.05M | 0 | -1.5M | -616K | -12.34M | -82.17M |
| Stock Issued | 505.7M | 92.09M | 243K | 0 | 155K | 116.62M |
| Net Stock Activity | 500.65M | 92.09M | -1.25M | -616K | -12.19M | 34.45M |
| Debt Issuance (Net) | -1000K | 0 | -1000K | 1000K | -1000K | 1000K |
| Other Financing | 5.05M | 0 | -14.09M | 4.26M | 497M | 1.44B |
| Net Change in Cash | 556.36M▲ 0% | -174.79M▼ 131.4% | 0▲ 100.0% | 0▲ 0% | 0▲ 0% | 12.83M▲ 0% |
| Exchange Rate Effect | 24.33M | -3.25M | 178.37M | -77.66M | -24.41M | -120.16M |
| Cash at Beginning | 171.31M | 727.66M | 0 | 0 | 0 | 6.01M |
| Cash at End | 727.66M | 552.87M | 0 | 0 | 0 | 18.85M |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 220.95M |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 28.8M |
| Free Cash Flow | 61.65M▲ 0% | -155.52M▼ 352.3% | -82.91M▲ 46.7% | -26.92M▲ 67.5% | 18.76M▲ 169.7% | 41.53M▲ 121.4% |
| FCF Growth % | - | -352.25% | 46.69% | 67.54% | 169.69% | 121.39% |
NPB Banking Ratios
Northpointe Bancshares, Inc. (NPB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 1.28% | -7.29% | 1.28% | 1.46% | 3.46% | 8.19% |
| Return on Assets (ROA) | 1.14% | -6.22% | 0.94% | 1.01% | 2.65% | 1.95% |
| Net Interest Margin | 0.06% | 0.06% | 2.44% | 3.87% | 7.36% | 2.15% |
| Efficiency Ratio | 89.92% | 2400.31% | 68.36% | 42.24% | 29.35% | 27.43% |
| Equity / Assets | 88.84% | 81.4% | 71.43% | 65.75% | 94.58% | 8.1% |
| Book Value / Share | 28.95 | 21.66 | 195.06 | 115.18 | 98.43 | 38.65 |
| NII Growth | - | -3.69% | 18820.99% | 1.79% | 12.84% | 31.98% |
| Dividend Payout | - | - | 33.36% | 7.62% | 4.66% | 3.86% |
NPB SEC Filings & Documents
Northpointe Bancshares, Inc. (NPB) SEC filings — annual & quarterly reports (10-K, 10-Q)
NPB Frequently Asked Questions
Northpointe Bancshares, Inc. (NPB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Northpointe Bancshares, Inc. (NPB) grew revenue by 20.7% over the past year. This is strong growth.
Yes, Northpointe Bancshares, Inc. (NPB) is profitable, generating $83.4M in net income for fiscal year 2025 (17.7% net margin).
Dividend & Returns
Yes, Northpointe Bancshares, Inc. (NPB) pays a dividend with a yield of 1.24%. This makes it attractive for income-focused investors.
Northpointe Bancshares, Inc. (NPB) has a return on equity (ROE) of 8.2%. This is below average, suggesting room for improvement.
Industry Metrics
Northpointe Bancshares, Inc. (NPB) has a net interest margin (NIM) of 2.1%. NIM has been under pressure due to interest rate environment.
Northpointe Bancshares, Inc. (NPB) has an efficiency ratio of 27.4%. This is excellent, indicating strong cost control.
Explore More NPB
Northpointe Bancshares, Inc. (NPB) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates