A Business at a Glance
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NORTHPOINTE BANCSHARES INC
NPB
$583M
Mkt Cap
$17.19
-0.17%
NORTHPOINTE BANCSHARES INC (NPB) has a current P/E ratio of 9.4.
NORTHPOINTE BANCSHARES INC (NPB) has a 5-year average return on invested capital (ROIC) of 9.6%. This is below average and may indicate limited pricing power.
NORTHPOINTE BANCSHARES INC (NPB) has a market capitalization of $583M. It is classified as a small-cap stock.
Yes, NORTHPOINTE BANCSHARES INC (NPB) pays a dividend with a trailing twelve-month yield of 0.55%.
NORTHPOINTE BANCSHARES INC (NPB) operates in the State Commercial Banks industry, within the Financials sector.
NORTHPOINTE BANCSHARES INC (NPB) reported annual revenue of $242 million in its most recent fiscal year, based on SEC EDGAR filings.
NORTHPOINTE BANCSHARES INC (NPB) has a net profit margin of 29.6%. This is a strong margin indicating high profitability.
As used in this report, the terms “we”, “us”, “our”, “Northpointe”, and “Company” mean Northpointe Bancshares, Inc. and its subsidiaries, unless the context indicates another meaning. The term “Bank” means Northpointe Bank. Our Business Company Overview Northpointe Bancshares, Inc. (“the Company”) is a bank holding company headquartered in Grand Rapids, Michigan and registered under the Bank Holding Company Act of 1956. Our Bank was founded in 1999 as a focused mortgage portfolio lender primarily operating in the midwestern states of Michigan, Ohio and Indiana. Presently, the Bank also offers a nationwide mortgage purchase program, residential mortgage lending, digital deposit banking to our retail customers and custodial deposit services to our loan servicing clients.
| Metric | TTM | FY2025 | FY2024 | FY2023 |
|---|---|---|---|---|
| Revenue | 242M | 242M | 187M | 196M |
| Net Income | 72M | 72M | 47M | 24M |
| EPS | $2.11 | $2.11 | $1.83 | $0.93 |
| Free Cash Flow | 42M | 42M | 19M | 501M |
| ROIC | 57.2% | 12.8% | 10.3% | 5.7% |
| Gross Margin | 0.0% | 0.0% | - | - |
| Debt/Equity | 0.12 | 0.12 | 0.05 | 0.00 |
| Dividends/Share | $0.09 | $0.10 | $0.10 | $0.10 |
| Operating Income | 110M | 110M | 73M | 45M |
| Operating Margin | 45.7% | 45.7% | 38.9% | 22.8% |
| ROE | 12.6% | 13.9% | 10.6% | 5.7% |
| Shares Outstanding | 34M | 34M | 26M | 26M |
| Metric | ||||
|---|---|---|---|---|
| Income Statement | ||||
| Revenue | 196M | 187M | 242M | 242M |
| Gross Margin | N/A | N/A | 0.0% | 0.0% |
| R&D | N/A | N/A | N/A | N/A |
| SG&A | 104M | 78M | 90M | 90M |
| EBIT | 45M | 73M | 110M | 110M |
| Op. Margin | 22.8% | 38.9% | 45.7% | 45.7% |
| Net Income | 24M | 47M | 72M | 72M |
| Net Margin | 12.3% | 25.2% | 29.6% | 29.6% |
| Non-Recurring | -90K | -228K | 0 | 0 |
| Returns on Capital | ||||
| ROIC | 5.7% | 10.3% | 12.8% | 57.2% |
| ROE | 5.7% | 10.6% | 13.9% | 12.6% |
| ROA | 0.5% | 0.9% | 1.2% | 1.0% |
| Cash Flow | ||||
| Op. Cash Flow | 504M | 20M | 44M | 44M |
| Free Cash Flow | 501M | 19M | 42M | 42M |
| Owner Earnings | 500M | 16M | 41M | 41M |
| CapEx | 2.8M | 1.1M | 2.8M | 2.8M |
| Maint. CapEx | 4.0M | 3.8M | 3.1M | 3.1M |
| Growth CapEx | 0 | 0 | 0 | 0 |
| D&A | 4.0M | 3.8M | 3.1M | 3.1M |
| CapEx/OCF | N/A | N/A | N/A | 6.2% |
| Capital Allocation | ||||
| Dividends Paid | 2.6M | 2.6M | 3.2M | 3.2M |
| Dividend Yield | N/A | N/A | N/A | 0.6% |
| Share Buybacks | 616K | 770K | 0 | 0 |
| Buyback Yield | N/A | N/A | 0.0% | 0.0% |
| Stock-Based Comp | 629K | 379K | 509K | 509K |
| Debt Repayment | 0 | 0 | 0 | 0 |
| Balance Sheet | ||||
| Net Debt | -352M | -352M | -429M | -429M |
| Cash & Equiv. | 352M | 376M | 496M | 496M |
| Long-Term Debt | 0 | 24M | 68M | 68M |
| Debt/Equity | 0.00 | 0.05 | 0.12 | 0.12 |
| Interest Coverage | 1.3 | 1.4 | 0.0 | 0.6 |
| Equity | 431M | 462M | 569M | 569M |
| Total Assets | 4.8B | 5.2B | 7.0B | 7.0B |
| Total Liabilities | 4.3B | 4.8B | 6.5B | 6.5B |
| Intangibles | 4.5M | 2.1M | 1.5M | 1.5M |
| Retained Earnings | 251M | 296M | 364M | 364M |
| Working Capital | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | 0 | 0 |
| Current Liabilities | N/A | N/A | 0 | 0 |
| Per Share Data | ||||
| EPS | 0.93 | 1.83 | 2.11 | 2.11 |
| Owner EPS | 19.27 | 0.61 | 1.20 | 1.20 |
| Book Value | 16.61 | 17.95 | 16.77 | 16.77 |
| Cash Flow/Share | 19.45 | 0.77 | 1.30 | 2.20 |
| Dividends/Share | 0.10 | 0.10 | 0.10 | 0.09 |
| Shares Out. | 25.9M | 25.8M | 33.9M | 33.9M |
| Valuation | ||||
| P/E Ratio | N/A | N/A | N/A | 8.1 |
| P/FCF | N/A | N/A | N/A | 14.1 |
| EV/EBIT | N/A | N/A | N/A | 1.4 |
| Price/Book | N/A | N/A | N/A | 1.0 |
| Price/Sales | N/A | N/A | N/A | 2.4 |
| FCF Yield | N/A | N/A | N/A | 7.1% |
| Market Cap | N/A | N/A | 0 | 583M |
| Avg. Price | N/A | N/A | 0.00 | 17.19 |
| Year-End Price | N/A | N/A | 0.00 | 17.19 |
NORTHPOINTE BANCSHARES INC passes 3 of 9 quality checks, indicating weak fundamentals.
The company's 5-year average ROIC is 9.6%. Total shareholder yield (dividends) is 0.6%.
NORTHPOINTE BANCSHARES INC (NPB) generated $42 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
NORTHPOINTE BANCSHARES INC (NPB) has a debt-to-equity ratio of 0.12. This indicates a conservatively financed balance sheet.
NORTHPOINTE BANCSHARES INC (NPB) reported earnings per share (EPS) of $2.11 in its most recent fiscal year.
NORTHPOINTE BANCSHARES INC (NPB) has a return on equity (ROE) of 13.9%. This indicates moderate shareholder returns.
The Ledger Terminal provides 3 years of financial data for NORTHPOINTE BANCSHARES INC (NPB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
NORTHPOINTE BANCSHARES INC (NPB) has a book value per share of $16.77, based on its most recent annual SEC filing.