Northpointe Bancshares, Inc. NPB R2K

Financial Services · Banks - Regional · United States

https://www.northpointe.com

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.

Market & Price

Market Cap

$590.66M

Current Price

$17.08

High / Low (52W)

$19.19 / $12.82

Beta

Valuation

Stock P/E

7.62

Industry PE

12.01

Forward P/E

5.73

PEG Ratio

Book Value

$17.10

Price to Book

1.00

P/S

2.35

EV/EBITDA

Dividend Yield

0.59%

Profitability & Returns

ROCE

ROE

15.01%

ROA

1.33%

Profit Margin

35.11%

Op Margin

46.08%

EPS (Latest Qtr)

$0.62

EPS (TTM)

$2.24

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$1.75B

Total Assets

$7.02B

Current Assets

Working Capital

Ownership

Promoter Holding

31.81%

Chg in Prom Hold

FII / Inst Holding

76.12%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$1.85B

Total Revenue (TTM)

$251.52M

EBITDA

Free Cash Flow

Operating Cash Flow

$27.56M

Shares Outstanding

34.58M

Gross Margin

0.00%

Payout Ratio

4.46%

Growth (CAGR)

Revenue 5Y

-2.09%

Profit 5Y

53.11%

Revenue (YoY)

27.90%

Earnings (YoY)

26.50%

PROS

Excellent profit margin of 35.1%.
Profit CAGR of 53.1% over 5 years.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Revenue declined at -2.1% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

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. R2K	17.08	7.62	$590.66M	0.59%	-	15.01%	-2.09%	53.11%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	53.26M	58.96M	64.36M	65.14M	63.42M
Cost of Revenue	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	48.76M	56.57M	61.51M	62.63M	60.23M
Pretax Income	-	-	-	22.59M	26.65M	29.17M	31.97M	29.43M
Tax Provision	-	-	-	5.35M	6.31M	7.00M	8.33M	7.27M
Net Income	12.25M	13.22M	-	17.25M	20.34M	22.17M	23.64M	22.15M
Diluted EPS	0.38	0.44	0.50	0.49	0.51	-	0.52	0.62

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	257.56M	196.29M	187.14M	241.72M
Cost of Revenue	-	-	-	-
Gross Profit	-	-	-	-
Operating Expenses	-	-	-	-
Operating Income	-	-	-	-
EBITDA	-	-	-	-
Interest Expense	66.69M	166.16M	203.32M	229.47M
Pretax Income	33.69M	44.69M	72.88M	110.39M
Tax Provision	10.46M	10.93M	17.72M	26.98M
Net Income	23.24M	33.76M	55.16M	83.41M
Diluted EPS	0.40	0.70	1.37	2.11

Compounded Sales Growth

5 Years:	-2.09%
1 Year:	27.90%

Compounded Profit Growth

5 Years:	53.11%
1 Year:	26.50%

Stock Price Performance

1 Year:	+30.74%
6 Months:	-1.06%
3 Months:	-5.30%
1 Month:	-1.78%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	4.40B	4.76B	5.22B	7.02B
Current Assets	-	-	-	-
Cash & Equivalents	274.23M	351.89M	376.30M	496.46M
Inventory	-	-	-	-
Receivables	-	-	-	-
Total Liabilities	3.98B	4.33B	4.76B	6.45B
Current Liabilities	-	-	-	-
Long Term Debt	981.25M	1.31B	1.30B	1.54B
Total Debt	981.25M	1.31B	1.30B	1.54B
Total Equity	417.31M	430.62M	462.49M	569.04M
Shares Outstanding	34.31M	34.31M	34.31M	34.49M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	1.35B	504.17M	19.81M	44.29M
Investing Cash Flow	-1.18B	-750.68M	-458.24M	-1.63B
Financing Cash Flow	-354.76M	324.17M	462.83M	1.71B
Capital Expenditure	-5.10M	-5.53M	-1.05M	-3.06M
Free Cash Flow	1.35B	498.64M	18.76M	41.23M
Net Change in Cash	-178.37M	77.66M	24.41M	120.16M
Share Buybacks	-	616.00K	770.00K	0

Ratios (Annual)

Figures in %.

Metric	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-
Operating Margin %	-	-	-	-
Net Margin %	9.0%	17.2%	29.5%	34.5%
ROE %	5.6%	7.8%	11.9%	14.7%
ROCE %	-	-	-	-

Shareholding Pattern

Insiders

31.81%

Institutions

76.12%

Public Float

111.63%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Wellington Management Group, LLP	13.04%	4.51M	$77.00M
2	Adage Capital Partners GP L.L.C.	7.52%	2.60M	$44.43M
3	Blackrock Inc.	4.02%	1.39M	$23.77M
4	Boston Partners	3.51%	1.22M	$20.76M
5	Morgan Stanley	2.92%	1.01M	$17.24M
6	Vanguard Capital Management LLC	2.68%	926.04K	$15.82M
7	Hotchkis & Wiley Capital Management, LLC	2.13%	737.37K	$12.59M
8	Two Sigma Investments, LP	1.74%	600.65K	$10.26M
9	Maltese Capital Management, LLC	1.65%	572.17K	$9.77M
10	American Century Companies Inc	1.39%	481.70K	$8.23M

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