Northpointe Bancshares, Inc. (NPB)

NYSE: NPB · Real-Time Price · USD

17.44

+0.29 (1.72%)

Jul 28, 2026, 11:46 AM EDT - Market open

Northpointe Bancshares Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Revenue	257.26	241.77	188.35	197.77	255.34
Revenue Growth	22.22%	28.37%	-4.76%	-22.55%	-
Net Income	81.52	71.62	47.16	24.11	13.58
Earnings Per Share	2.31	2.11	1.83	0.93	0.52
EPS Growth	15.50%	15.30%	96.77%	78.85%	-

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Mortgage Warehouse (MPP)	84.3	72.91	43.46	30.68	24.08
Retail Banking	167.22	166.71	144.01	167.09	231.26
Total	251.52	239.62	187.47	197.77	255.34

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Cash & Equivalents	538.36	496.46	376.3	351.89	274.23
Total Debt	116.96	96.92	43.93	39.37	56.26
Net Cash (Debt)	-116.96	-96.92	-43.93	-39.37	-56.26
Net Cash Growth	-	-	-	-	-
Net Cash Per Share	-3.32	-2.86	-1.70	-1.53	-2.17

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Operating Cash Flow	27.56	44.29	19.81	504.17	1,352
Capital Expenditures	-2.86	-2.77	-1.05	-2.81	-3.39
Free Cash Flow	24.7	41.53	18.76	501.36	1,348
Free Cash Flow Growth	-66.78%	121.39%	-96.26%	-62.81%	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Pretax Margin	46.43%	45.66%	38.69%	22.60%	13.20%
Profit Margin	34.87%	34.50%	29.29%	17.07%	9.10%
FCF Margin	0.00%	17.18%	9.96%	253.50%	528.02%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jul '26 Jul 28, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Dividend Per Share	0.100	0.100	-	0.100	0.300
Dividend Per Share Growth	0%	-	-	-66.67%	-
Dividend Yield	0.58%	0.57%	-	-	-

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jul '26 Jul 28, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
PE Ratio	7.41	7.95	-	-	-
Forward PE	6.45	6.49	-	-	-
P/FCF Ratio	24.00	13.94	-	-	-
PS Ratio	2.32	2.39	-	-	-