Northpointe Bancshares, Inc. NPB R2KFINANCIAL
Company Overview
Northpointe 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.
Why Investors Should Care
Net profit has compounded at 57.2% per year over the last five years.
Trades at a P/E of 6.7, below the sector median of 13.6.
Maintains a net profit margin of 34.9%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +9.8%, earnings +17.6%.
- 5-Year Trend Long-term compounding — profit CAGR 57.2%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 9.80% |
Compounded Profit Growth
| 5 Years: | 57.18% |
| 1 Year: | 17.60% |
Stock Price Performance
| 1 Year: | -3.51% |
| 6 Months: | -12.03% |
| 3 Months: | -9.74% |
| 1 Month: | +0.78% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMABelow
- RSI (14)45.19 · Neutral
P/E of 6.66 is below the sector median of 13.55 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 34.9%.
- Profit CAGR of 57.2% over 5 years.
- Generates positive free cash flow.
CONS
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | NPB Northpointe Bancshares, Inc. R2KFINANCIAL | 15.44 | 6.66 | $533.94M | 0.60% | - | 14.76% | - | 57.18% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 331.58 | 14.21 | $881.40B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 542.19 | 13.64 | $763.42B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 407.92 | 34.69 | $695.14B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 623.60 | 34.34 | $542.20B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 813,595.00 | 13.64 | $397.40B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 7 | BAC Bank of America Corporation SPXR3KFINANCIAL | 50.56 | 11.68 | $353.55B | 2.39% | - | 11.20% | 3.14% | 4.27% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 90.68 | 12.95 | $310.38B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 179.49 | 14.51 | $281.90B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Net Income | 12.25M | 13.22M | 18.70M | 17.25M | 20.34M | 22.17M | 22.15M |
| Diluted EPS | 0.38 | 0.44 | 0.66 | 0.49 | 0.51 | 0.57 | 0.62 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Net Income | 33.76M | 55.16M | 83.41M |
| Diluted EPS | 0.93 | 1.83 | 2.11 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Total Assets | - | 4.76B | 5.22B | 7.02B |
| Total Equity | 417.31M | 430.62M | 462.49M | 569.04M |
| Cash & Equivalents | - | 351.89M | 376.30M | 496.46M |
| Total Liabilities | - | 4.33B | 4.76B | 6.45B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Operating Cash Flow | 504.17M | 19.81M | 44.29M |
| Investing Cash Flow | -750.68M | -458.24M | -1.63B |
| Financing Cash Flow | 324.17M | 462.83M | 1.71B |
| Capital Expenditure | -2.81M | -1.05M | -2.77M |
| Free Cash Flow | 501.36M | 18.76M | 41.53M |
| Share Buybacks | 616.00K | 770.00K | 0 |
Ratios (Annual)
Figures in %.
| Metric | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Gross Margin % | - | - | - |
| Operating Margin % | - | - | - |
| Net Margin % | - | - | - |
| ROE % | 7.8% | 11.9% | 14.7% |
| ROCE % | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Wellington Management Group, LLP | 10.56% | 3.65M | $57.84M |
| 2 | Adage Capital Partners GP L.L.C. | 8.21% | 2.84M | $45.00M |
| 3 | Blackrock Inc. | 4.62% | 1.60M | $25.31M |
| 4 | Boston Partners | 3.60% | 1.25M | $19.74M |
| 5 | Morgan Stanley | 2.65% | 917.92K | $14.54M |
| 6 | Vanguard Capital Management LLC | 2.61% | 903.51K | $14.31M |
| 7 | Hotchkis & Wiley Capital Management, LLC | 2.19% | 756.19K | $11.98M |
| 8 | American Century Companies Inc | 1.98% | 684.13K | $10.84M |
| 9 | Maltese Capital Management, LLC | 1.44% | 497.60K | $7.88M |
| 10 | Algebris (UK) LTD | 1.36% | 471.91K | $7.48M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for NPB
Northpointe Bancshares (NPB) Stock Price Faces Q3 Earnings Fraud And Margin Strain - Yahoo Finance
<a href="https://news.google.com/rss/articles/CBMipgFBVV95cUxNT1ZtYW93N21zazJrQlNrWDl4U05WZHhNUjFkSWFRRUFwSFJhXzd2WERzcEkxQ3BhTlFQaHJMenc1OVByX2xQWlNYbURzRTk3ZmVSRkx4Zk9qeGRrQzVISU9FM0tjLTdlLTVuMFNDYlBNajc3QTJVcGdnT0JzTnZrRGQ4dWFwaWhqT0Vmc1…
Northpointe Bancshares (NYSE:NPB) Q3 Earnings Miss as It Exits Retail Mortgage Origination - ChartMill
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Q3 Appears To Be A Transition Period For Northpointe Bancshares (Downgrade) (NYSE:NPB) - Seeking Alpha
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Northpointe Bancshares, Inc. (NPB) Q3 Earnings and Revenues Lag Estimates - Yahoo Finance
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$NPB stock is down 9% today. Here's what we see in our data. - Quiver Quantitative
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Northpointe Bancshares (NPB) Stock Sinks As Q3 Earnings Cool Sentiment - Simply Wall Street
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NPB — Frequently Asked Questions
What is the current share price of Northpointe Bancshares, Inc. (NPB)?
As of 2026-10-23 16:27 PDT, Northpointe Bancshares, Inc. (NPB) trades at $15.44 on NYSE. Its 52-week range is $14.54 to $19.25.
What is the market capitalisation of NPB?
Northpointe Bancshares, Inc. (NPB) has a market capitalisation of $533.94M on NYSE.
What is the P/E ratio of NPB?
NPB trades at a trailing price-to-earnings (P/E) ratio of 6.66. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 0.93.
Does NPB pay a dividend?
Northpointe Bancshares, Inc. (NPB) currently offers a dividend yield of 0.60%.
What is the return on equity (ROE) of NPB?
NPB has a return on equity (ROE) of 14.76%.
Is NPB a good stock to buy?
This page provides a data-driven analysis of Northpointe Bancshares, Inc. (NPB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.