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NORTHPOINTE BANCSHARES INC

NPB

$17.05 ▼ -0.06 (-0.35%) at close

8 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 $509.3M

Dividend Yield 0.15%

Revenue Growth 21.5%

Op. Margin 42.4%

ROIC None

FCF / Share None

Trailing P/E 34.1x

Price / Book 1.3x

FCF Yield —

Debt / Equity —

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

8-Year Financial Trajectory

Quarterly

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$53.26M

↑ +21.5% —

Net Income Profit after all expenses

$17.25M

↑ +40.8% —

Operating Margin Operating profit as % of sales

42.4%

↓ -6.6% 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	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Dec 31, 2024 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Dec 31, 2024 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Revenue Growth YoY (%)	21.5% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+258%)	—	—	—	—	—	—	—
EPS Growth YoY (%)	31.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—
Net Income Growth YoY (%)	40.8% Excellent Excellent Year-over-year change in net income	—	—	—	—	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

💰 Are margins durable? 5 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Dec 31, 2024 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Dec 31, 2024 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Operating Margin (%) (%)	42.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+70%)	—	45.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+82%)	38.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	37.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	—	—	—
Effective Tax Rate (%) (%)	23.7% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.8% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.0% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.0% 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 (%) (%)	32.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	—	34.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+57%)	29.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	27.9% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	—	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Dec 31, 2024 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Dec 31, 2024 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—
Return on Common Equity (%) (%)	3.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	6.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	4.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	3.1% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	2.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-76%)	—	—	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Dec 31, 2024 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Dec 31, 2024 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Dec 31, 2024 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Dec 31, 2024 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Revenue per Share (USD)	$1.78	—	$2.11	$1.77	$1.71	—	—	—
Basic EPS, GAAP (USD)	$0.50	$0.65	$0.67	$0.44	$0.38	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.03	$0.03	$0.03	$0.03	$0.03	—	—	—
Book Value per Share (USD)	$13.41	$16.50	$16.77	$16.77	$16.77	$18.01	$16.76	—
Tangible Book Value per Share (USD)	$13.41	$16.50	$16.77	$16.77	$16.77	$18.01	$16.76	—
Basic Weighted Avg Shares (shares)	29.87M	—	25.69M	25.69M	25.69M	—	—	—
Dividend Payout Ratio (%)	5.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	3.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	3.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	5.7% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	6.6% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Dec 31, 2024 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Dec 31, 2024 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$462.49M	$569.04M	$430.62M	$430.62M	$430.62M	$462.49M	$430.62M	$417.31M

📋 What is driving earnings? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Dec 31, 2024 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Dec 31, 2024 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Sales/Revenue/Turnover (USD)	$53.26M	—	$54.16M	$45.50M	$43.84M	—	—	—
Depreciation Expense (USD)	$662.00K	$337.00K	$697.00K	$716.00K	$736.00K	—	—	—
Net Income, GAAP (USD)	$17.25M	$39.24M	$18.70M	$13.22M	$12.25M	—	—	—
Operating Cash Flow (USD)	$54.42M	$34.04M	$45.07M	$-33.88M	$-939.00K	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Dec 31, 2024 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Dec 31, 2024 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Net Interest Margin (approx.) (%)	2.1%	3.8%	2.1%	2.2%	2.2%	—	—	—
Efficiency Ratio (%) (%)	55.1%	—	54.2%	61.1%	63.8%	—	—	—

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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

8-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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