NPB
Northpointe Bancshares, Inc.
Price Chart
Latest Quote
$18.16
+0.27 (+1.51%)
Current Price
| Previous Close | $17.89 |
| Open | $18.01 |
| Day High | $18.34 |
| Day Low | $17.96 |
| Volume | 304,716 |
Stock Information
| Quarterly Dividend / Yield | $0.10 / 0.56% |
| Shares Outstanding | 34.58M |
| Quarterly Dividend Yield | 0.56% |
| Quarterly Dividend | $0.10 |
| Total Debt | $1.75B |
| Cash Equivalents | $487.62M |
| Revenue | $251.52M |
| Net Income | $78.28M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $628.01M |
| P/E Ratio | 8.11 |
| EPS (TTM) | $2.24 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $1.89B |
| Sales | $251.52M |
| Income | $78.28M |
| Book/sh | $17.10 |
| Cash/sh | $14.10 |
| Employees | 483 |
Financial Ratios
| EPS Growth TTM | 28.50% |
Returns & Margins
| ROA | 1.33% |
| ROE | 15.01% |
| Operating Margin | 46.08% |
| Profit Margin | 35.11% |
Ownership
| Insider Ownership | 31.83% |
| Institutional Ownership | 76.73% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 6.09 |
| P/S | 2.50 |
| P/B | 1.06 |
Analyst Data
| Recommendation | none |
| Target Price | $21.08 |
Technical Indicators
| SMA20 | $17.65 |
| SMA50 | $17.72 |
| SMA200 | $17.44 |
| RSI | 59.88 |
| ATR | 0.5264 |
| Shares Float | 13.20M |
| Short Float | 1.52% |
| Short Ratio | 3.40 |
| Rel Volume | 2.29 |
Performance History
| Week | +1.79% |
| Month | +3.06% |
| Quarter | +9.15% |
| 6 Months | +3.05% |
| YTD | +9.23% |
| Year | +39.75% |
| 10 Years | +25.45% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-23 | $18.16 | 304,716 |
| 2026-06-22 | $17.89 | 89,400 |
| 2026-06-18 | $17.85 | 144,900 |
| 2026-06-17 | $17.96 | 142,400 |
| 2026-06-16 | $17.80 | 129,300 |
| 2026-06-15 | $17.84 | 115,100 |
| 2026-06-12 | $18.28 | 219,200 |
| 2026-06-11 | $18.33 | 141,200 |
| 2026-06-10 | $18.02 | 154,800 |
| 2026-06-09 | $17.83 | 119,700 |
| 2026-06-08 | $17.40 | 77,800 |
| 2026-06-05 | $17.45 | 83,300 |
| 2026-06-04 | $17.30 | 86,500 |
| 2026-06-03 | $16.85 | 150,200 |
| 2026-06-02 | $17.50 | 111,600 |
| 2026-06-01 | $17.25 | 188,800 |
| 2026-05-29 | $17.08 | 88,300 |
| 2026-05-28 | $17.27 | 88,900 |
| 2026-05-27 | $17.35 | 106,800 |
| 2026-05-26 | $17.61 | 114,100 |
About Northpointe Bancshares, Inc.
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.
đ° Latest News
Northpointe Bancshares Q1 Earnings Call Highlights
MarketBeat âĸ 2026-04-24T07:07:32Z
Northpointe Bancshares Inc (NPB) Q1 2026 Earnings Call Highlights: Strong Growth in MPP and ...
GuruFocus.com âĸ 2026-04-23T07:05:26ZNorthpointe (NPB) Q1 2026 Earnings Transcript
Motley Fool âĸ 2026-04-22T17:34:32Z
Northpointe Bancshares, Inc. Q1 2026 Earnings Call Summary
Moby âĸ 2026-04-22T12:30:00Z
Compared to Estimates, Northpointe Bancshares, Inc. (NPB) Q1 Earnings: A Look at Key Metrics
Zacks âĸ 2026-04-21T22:30:01Z
Northpointe Bancshares, Inc. (NPB) Q1 Earnings and Revenues Miss Estimates
Zacks âĸ 2026-04-21T22:15:02Z
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Simply Wall St. âĸ 2026-04-14T11:33:03Z
IPO Stock Of The Week: Northpointe Eyes Buy Point Amid Stock Market Volatility
Investor's Business Daily âĸ 2026-03-13T19:59:54Z
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $241,719,000 | $187,138,000 | $196,286,000 | $257,556,000 |
| Operating Revenue | $241,719,000 | $187,138,000 | $196,286,000 | $257,556,000 |
| Expenses | ||||
| Interest Expense | $229,465,000 | $203,317,000 | $166,163,000 | $66,687,000 |
| General And Administrative Expense | $90,171,000 | $77,791,000 | $104,286,000 | $159,876,000 |
| Professional Expense And Contract Services Expense | $6,235,000 | $4,139,000 | $4,879,000 | $9,689,000 |
| Other Non Interest Expense | $29,373,000 | $28,206,000 | $36,995,000 | $44,839,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $83,409,000 | $55,159,000 | $33,762,000 | $23,239,000 |
| Net Interest Income | $150,739,000 | $114,215,000 | $101,219,000 | $99,437,000 |
| Interest Income | $380,204,000 | $317,532,000 | $267,382,000 | $166,124,000 |
| Normalized Income | $83,409,000 | $55,159,000 | $33,762,000 | $27,077,221 |
| Net Income From Continuing And Discontinued Operation | $83,409,000 | $55,159,000 | $33,762,000 | $23,239,000 |
| Net Income Common Stockholders | $71,618,000 | $47,162,000 | $24,112,000 | $13,581,000 |
| Net Income | $83,409,000 | $55,159,000 | $33,762,000 | $23,239,000 |
| Net Income Including Noncontrolling Interests | $83,409,000 | $55,159,000 | $33,762,000 | $23,239,000 |
| Net Income Continuous Operations | $83,409,000 | $55,159,000 | $33,762,000 | $23,239,000 |
| Pretax Income | $110,393,000 | $72,876,000 | $44,687,000 | $33,694,000 |
| Per Share | ||||
| Diluted EPS | $2.11 | $1.37 | $0.70 | $0.40 |
| Basic EPS | $2.14 | $1.37 | $0.70 | $0.40 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $-1,726,779 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $3,072,000 | $3,801,000 | $4,017,000 | $4,019,000 |
| Diluted Average Shares | $33,863,189 | $34,309,560 | $34,309,560 | $34,309,560 |
| Basic Average Shares | $33,432,895 | $34,309,560 | $34,309,560 | $34,309,560 |
| Diluted NI Availto Com Stockholders | $71,618,000 | $47,162,000 | $24,112,000 | $13,581,000 |
| Preferred Stock Dividends | $11,791,000 | $7,997,000 | $9,650,000 | $9,658,000 |
| Tax Provision | $26,984,000 | $17,717,000 | $10,925,000 | $10,455,000 |
| Selling General And Administration | $90,171,000 | $77,791,000 | $104,286,000 | $159,876,000 |
| Salaries And Wages | $90,171,000 | $77,791,000 | $104,286,000 | $159,876,000 |
| Occupancy And Equipment | $3,449,000 | $4,454,000 | $6,924,000 | $7,242,000 |
| Total Unusual Items | - | - | $292,000 | $-5,565,000 |
| Total Unusual Items Excluding Goodwill | - | - | $292,000 | $-5,565,000 |
| Gain On Sale Of Security | - | - | $18,000 | $-170,000 |
Fetched: 2026-06-17
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $550,481,000 | $445,258,000 | $330,740,000 | $309,816,000 |
| Total Assets | $7,022,825,000 | $5,224,011,000 | $4,758,479,000 | $4,400,346,000 |
| Goodwill And Other Intangible Assets | $18,561,000 | $17,232,000 | $99,880,000 | $107,491,000 |
| Other Intangible Assets | $18,561,000 | $17,232,000 | $99,880,000 | $107,491,000 |
| Cash And Cash Equivalents | $496,459,000 | $376,295,000 | $351,890,000 | $274,233,000 |
| Cash Cash Equivalents And Federal Funds Sold | $496,459,000 | $376,295,000 | $351,890,000 | $274,233,000 |
| Debt | ||||
| Net Debt | $1,039,956,000 | $926,388,000 | $962,478,000 | $707,022,000 |
| Total Debt | $1,536,415,000 | $1,302,683,000 | $1,314,368,000 | $981,255,000 |
| Long Term Debt And Capital Lease Obligation | $1,536,415,000 | $1,302,683,000 | $1,314,368,000 | $981,255,000 |
| Long Term Debt | $1,536,415,000 | $1,302,683,000 | $1,314,368,000 | $981,255,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $6,453,783,000 | $4,761,521,000 | $4,327,859,000 | $3,983,039,000 |
| Non Current Deferred Liabilities | $3,786,000 | $3,477,000 | $24,132,000 | $28,419,000 |
| Non Current Deferred Taxes Liabilities | $3,786,000 | $3,477,000 | $24,132,000 | $28,419,000 |
| Equity | ||||
| Common Stock Equity | $569,042,000 | $462,490,000 | $430,620,000 | $417,307,000 |
| Total Equity Gross Minority Interest | $569,042,000 | $462,490,000 | $430,620,000 | $417,307,000 |
| Stockholders Equity | $569,042,000 | $462,490,000 | $430,620,000 | $417,307,000 |
| Gains Losses Not Affecting Retained Earnings | $-199,000 | $-324,000 | $-801,000 | $-686,000 |
| Other Equity Adjustments | $-199,000 | $-324,000 | $-801,000 | $-686,000 |
| Retained Earnings | $364,366,000 | $295,967,000 | $251,375,000 | $237,331,000 |
| Other | ||||
| Ordinary Shares Number | $34,494,116 | $34,309,560 | $34,309,560 | $34,309,560 |
| Share Issued | $34,494,116 | $34,309,560 | $34,309,560 | $34,309,560 |
| Tangible Book Value | $550,481,000 | $445,258,000 | $330,740,000 | $309,816,000 |
| Invested Capital | $2,105,457,000 | $1,765,173,000 | $1,744,988,000 | $1,398,562,000 |
| Total Capitalization | $2,105,457,000 | $1,765,173,000 | $1,744,988,000 | $1,398,562,000 |
| Additional Paid In Capital | $204,875,000 | $166,847,000 | $180,046,000 | $180,662,000 |
| Investments And Advances | $6,085,000 | $9,881,000 | $16,045,000 | $16,201,000 |
| Available For Sale Securities | $6,085,000 | $1,305,000 | $1,318,000 | $1,300,000 |
| Net PPE | $27,571,000 | $27,292,000 | $29,296,000 | $29,573,000 |
| Accumulated Depreciation | $-12,796,000 | $-14,283,000 | $-11,876,000 | $-22,961,000 |
| Gross PPE | $40,367,000 | $41,575,000 | $41,172,000 | $52,534,000 |
| Leases | $142,000 | $163,000 | $604,000 | $634,000 |
| Construction In Progress | $501,000 | $0 | $427,000 | $1,950,000 |
| Machinery Furniture Equipment | $7,197,000 | $10,414,000 | $10,241,000 | $20,791,000 |
| Buildings And Improvements | $26,157,000 | $24,673,000 | $24,074,000 | $23,328,000 |
| Land And Improvements | $6,370,000 | $6,325,000 | $5,826,000 | $5,831,000 |
| Other Short Term Investments | $0 | $8,576,000 | $14,727,000 | $9,087,000 |
| Held To Maturity Securities | - | - | $0 | $5,814,000 |
Fetched: 2026-06-17
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $41,230,000 | $18,757,000 | $498,636,000 | $1,346,538,000 |
| Operating Activities | ||||
| Operating Cash Flow | $44,291,000 | $19,809,000 | $504,168,000 | $1,351,634,000 |
| Cash Flow From Continuing Operating Activities | $44,291,000 | $19,809,000 | $504,168,000 | $1,351,634,000 |
| Operating Gains Losses | $-78,165,000 | $-60,246,000 | $-75,273,000 | $-90,258,000 |
| Investing Activities | ||||
| Capital Expenditure | $-3,061,000 | $-1,052,000 | $-5,532,000 | $-5,096,000 |
| Investing Cash Flow | $-1,629,744,000 | $-458,235,000 | $-750,680,000 | $-1,175,247,000 |
| Cash Flow From Continuing Investing Activities | $-1,629,744,000 | $-458,235,000 | $-750,680,000 | $-1,175,247,000 |
| Net Other Investing Changes | $-5,737,000 | $2,267,000 | $6,944,000 | $8,396,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-82,172,000 | $-12,341,000 | $-616,000 | $-1,496,000 |
| Issuance Of Capital Stock | $116,585,000 | $0 | $0 | $204,000 |
| Financing Cash Flow | $1,705,617,000 | $462,831,000 | $324,169,000 | $-354,757,000 |
| Cash Flow From Continuing Financing Activities | $1,705,617,000 | $462,831,000 | $324,169,000 | $-354,757,000 |
| Cash Dividends Paid | $-11,433,000 | $-11,580,000 | $-12,223,000 | $-17,411,000 |
| Preferred Stock Dividend Paid | $-8,214,000 | $-9,011,000 | $-9,650,000 | $-9,658,000 |
| Common Stock Dividend Paid | $-3,219,000 | $-2,569,000 | $-2,573,000 | $-7,753,000 |
| Net Preferred Stock Issuance | $-82,172,000 | $-11,571,000 | $0 | - |
| Net Common Stock Issuance | $116,585,000 | $-770,000 | $-616,000 | $-1,292,000 |
| Common Stock Issuance | $116,585,000 | $0 | $0 | $204,000 |
| Other | ||||
| Repayment Of Debt | $-1,046,702,000 | $-389,507,000 | $-17,250,000 | $-1,587,000,000 |
| Issuance Of Debt | $1,282,189,000 | $379,107,000 | $350,000,000 | $1,265,000,000 |
| Interest Paid Supplemental Data | $220,951,000 | $202,362,000 | $164,197,000 | $63,511,000 |
| Income Tax Paid Supplemental Data | $28,796,000 | $43,352,000 | $3,275,000 | $2,270,000 |
| End Cash Position | $496,459,000 | $376,295,000 | $351,890,000 | $274,233,000 |
| Beginning Cash Position | $376,295,000 | $351,890,000 | $274,233,000 | $452,603,000 |
| Changes In Cash | $120,164,000 | $24,405,000 | $77,657,000 | $-178,370,000 |
| Proceeds From Stock Option Exercised | $38,000 | $155,000 | $0 | $39,000 |
| Preferred Stock Payments | $-82,172,000 | $-11,571,000 | $0 | - |
| Common Stock Payments | $0 | $-770,000 | $-616,000 | $-1,496,000 |
| Net Issuance Payments Of Debt | $235,487,000 | $-10,400,000 | $332,750,000 | $-322,000,000 |
| Net Long Term Debt Issuance | $235,487,000 | $-10,400,000 | $332,750,000 | $-322,000,000 |
| Long Term Debt Payments | $-1,046,702,000 | $-389,507,000 | $-17,250,000 | $-1,587,000,000 |
| Long Term Debt Issuance | $1,282,189,000 | $379,107,000 | $350,000,000 | $1,265,000,000 |
| Net Investment Purchase And Sale | $4,000,000 | $6,887,000 | $0 | $-5,821,000 |
| Sale Of Investment | $4,000,000 | $10,887,000 | $0 | - |
| Purchase Of Investment | $0 | $-4,000,000 | $0 | $-5,821,000 |
| Net Intangibles Purchase And Sale | $-296,000 | $80,845,000 | $-2,723,000 | $24,296,000 |
| Sale Of Intangibles | $0 | $80,845,000 | $0 | $26,000,000 |
| Purchase Of Intangibles | $-296,000 | $0 | $-2,723,000 | $-1,704,000 |
| Net PPE Purchase And Sale | $-2,765,000 | $-1,052,000 | $-2,809,000 | $-3,392,000 |
| Purchase Of PPE | $-2,765,000 | $-1,052,000 | $-2,809,000 | $-3,392,000 |
| Change In Working Capital | $26,087,000 | $-21,820,000 | $2,292,000 | $-9,002,000 |
| Change In Other Current Assets | $16,432,000 | $-17,474,000 | $5,731,000 | $-6,526,000 |
| Change In Payables And Accrued Expense | $9,655,000 | $-4,346,000 | $-3,439,000 | $-2,476,000 |
| Change In Accrued Expense | $9,655,000 | $-4,346,000 | $-3,439,000 | $-2,476,000 |
| Other Non Cash Items | $7,560,000 | $62,592,000 | $542,620,000 | $1,413,214,000 |
| Unrealized Gain Loss On Investment Securities | $-42,000 | $13,000 | $-18,000 | $170,000 |
| Asset Impairment Charge | $0 | $1,469,000 | $137,000 | $0 |
| Deferred Tax | $272,000 | $-20,831,000 | $-1,884,000 | $8,036,000 |
| Deferred Income Tax | $272,000 | $-20,831,000 | $-1,884,000 | $8,036,000 |
| Depreciation Amortization Depletion | $3,072,000 | $3,801,000 | $4,017,000 | $4,019,000 |
| Depreciation And Amortization | $3,072,000 | $3,801,000 | $4,017,000 | $4,019,000 |
| Amortization Cash Flow | $586,000 | $973,000 | $1,021,000 | $1,021,000 |
| Amortization Of Intangibles | $586,000 | $973,000 | $1,021,000 | $1,021,000 |
| Depreciation | $2,486,000 | $2,828,000 | $2,996,000 | $2,998,000 |
| Gain Loss On Investment Securities | $0 | $-83,000 | $0 | - |
| Gain Loss On Sale Of PPE | $0 | $1,286,000 | $90,000 | $5,589,000 |
| Net Income From Continuing Operations | $83,409,000 | $55,159,000 | $33,762,000 | $23,239,000 |
| Net Investment Properties Purchase And Sale | - | - | $790,000 | $1,287,000 |
| Sale Of Investment Properties | - | - | $790,000 | $1,287,000 |
| Amortization Of Securities | - | - | $10,000 | $7,000 |
Fetched: 2026-06-17