Northpointe Bancshares Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

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
Net Interest Income	161.62	150.74	114.22	101.22	99.44
Net Interest Income Growth	37.66%	31.98%	12.84%	1.79%	-
Non-Interest Income	90.25	90.98	72.92	95.07	158.12
Non-Interest Income Growth	14.03%	24.76%	-23.29%	-39.88%	-
Revenues Before Loan Losses	251.88	241.72	187.14	196.29	257.56
Provision for Credit Losses	0.06	-0.06	-1.21	-1.49	2.22
Revenue	251.82	241.77	188.35	197.77	255.34
Revenue Growth (YoY)	27.71%	28.37%	-4.76%	-22.55%	-
Compensation Expenses	94.08	90.17	77.79	104.29	159.88
Selling, General & Admin	26.63	25.99	24.58	29.89	34
Other Non-Interest Expenses	13.59	13.06	12.22	18.91	27.77
Total Non-Interest Expense	134.29	129.23	114.59	153.08	221.65
Pretax Income	117.22	110.39	72.88	44.69	33.69
Provision for Income Taxes	28.91	26.98	17.72	10.93	10.46
Net Income	88.31	83.41	55.16	33.76	23.24
Net Income Attributable to Preferred Dividends	10.04	11.79	8	9.65	9.66
Net Income to Common	78.28	71.62	47.16	24.11	13.58
Net Income Growth	49.48%	51.85%	95.60%	77.54%	-
Shares Outstanding (Basic)	8,670	33	26	26	26
Shares Outstanding (Diluted)	8,831	34	26	26	26
Shares Change (YoY)	32673.18%	31.14%	0.10%	-0.51%	-
EPS (Basic)	2.26	2.14	1.83	0.94	0.53
EPS (Diluted)	2.22	2.11	1.83	0.93	0.52
EPS Growth	15.03%	15.30%	96.77%	78.85%	-
Free Cash Flow	24.7	41.53	18.76	501.36	1,348
Free Cash Flow Growth	-40.52%	121.39%	-96.26%	-62.81%	-
Free Cash Flow Per Share	0.00	1.23	0.73	19.44	52.00
Dividends Per Share	0.100	0.100	-	0.100	0.300
Dividend Growth	-	-	-	-66.67%	-
Profit Margin	35.07%	34.50%	29.29%	17.07%	9.10%
FCF Margin	9.81%	17.18%	9.96%	253.50%	528.02%
EBITDA	2.27	3.07	3.8	4.02	4.02
EBITDA Margin	0.90%	1.27%	2.02%	2.03%	1.57%
Effective Tax Rate	24.66%	24.44%	24.31%	24.45%	31.03%

SEC Filings: 10-K · 10-Q