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NORTHPOINTE BANCSHARES INC

NPB

$17.05 ▼ -0.06 (-0.35%) at close

4 Visible periods

31 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

NORTHPOINTE BANCSHARES INC shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $570.0M

Dividend Yield 0.59%

Revenue Growth 29.2% ↗

Op. Margin 45.7% ↗

ROIC None

FCF / Share None

Trailing P/E 8.0x

Price / Book 1.0x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

4-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$241.72M

↑ +29.2% —

Net Income Profit after all expenses

$83.41M

↑ +51.2% —

Operating Margin Operating profit as % of sales

45.7%

↑ +17.3% 96th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.10 Latest / share

+0.0% YoY

+0.0% 3-yr CAGR

FY 2022

$0.10

FY 2023

$0.10

FY 2024

$0.10

FY 2025

Financial view

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📈 Is growth accelerating? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗
Revenue Growth YoY (%)	29.2% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+386%)	-4.7% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-178%)	—	—
EPS Growth YoY (%)	16.9% Good Good Year-over-year change in earnings per share Optimal: > 10%	94.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	51.2% Excellent Excellent Year-over-year change in net income	63.4% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗
Operating Margin (%) (%)	45.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+83%)	38.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	22.8% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	—
Effective Tax Rate (%) (%)	24.4% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.3% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.4% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	34.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+57%)	29.5% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	17.2% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	14.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+22%)	11.9% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	7.8% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗
Revenue per Share (USD)	$7.23	$7.26	$7.63	—
Basic EPS, GAAP (USD)	$2.14	$1.83	$0.94	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.10	$0.10	$0.10	—
Book Value per Share (USD)	$16.50	$18.01	$16.76	—
Tangible Book Value per Share (USD)	$16.50	$18.01	$16.76	—
Basic Weighted Avg Shares (shares)	33.43M	25.76M	25.73M	—
Dividend Payout Ratio (%)	4.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	5.5% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	10.6% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$569.04M	$462.49M	$430.62M	$417.31M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗
Sales/Revenue/Turnover (USD)	$241.72M	$187.14M	$196.29M	—
Depreciation Expense (USD)	$2.49M	$2.83M	$3.00M	—
Net Income, GAAP (USD)	$83.41M	$55.16M	$33.76M	—
Operating Cash Flow (USD)	$44.29M	$19.81M	$504.17M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗
Net Interest Margin (approx.) (%)	2.1%	2.2%	2.1%	—
Efficiency Ratio (%) (%)	53.5%	61.2%	78.0%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 4 years · 8 quarters

NORTHPOINTE BANCSHARES INC

Analytical Summary

4-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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