Northpointe Bancshares, Inc. (NPB)

Northpointe Bancshares Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022
Net Income	88.32	83.41	55.16	33.76	23.24
Depreciation & Amortization	2.27	3.07	3.8	4.02	4.02
Provision for Credit Losses	0.45	2.1	-0.33	-1.49	2.22
Net Change in Loans Held-for-Sale	-108.5	-72.78	1.86	450.3	1,321
Other Adjustments	-0.57	2.41	-18.86	15.28	10.1
Changes in Other Operating Activities	28.95	26.09	-21.82	2.29	-9
Operating Cash Flow	27.56	44.29	19.81	504.17	1,352
Operating Cash Flow Growth	-63.34%	123.59%	-96.07%	-62.70%	-
Net Change in Loans Held-for-Investment	-1,296	-1,625	-547.18	-752.09	-1,199
Net Change in Securities and Investments	-6.54	-6.54	4.8	6.04	-0.42
Capital Expenditures	-2.86	-2.77	-1.05	-2.81	-3.39
Purchases of Intangible Assets	-0.15	-0.3	-	-2.72	-1.7
Sale of Property, Plant & Equipment	1.25	3.33	0.24	0.79	1.29
Proceeds from Sale of Intangible Assets	-	-	80.85	-	26
Other Investing Activities	1.39	1.47	4.12	0.11	1.71
Investing Cash Flow	-1,303	-1,630	-458.24	-750.68	-1,175
Net Change in Deposits	1,179	1,447	497	4.26	-14.09
Short-Term Debt Issued	1,553	1,198	355	350	1,265
Short-Term Debt Repaid	-1,361	-1,032	-369.51	-	-1,587
Net Short-Term Debt Issued (Repaid)	191.25	165.8	-14.51	350	-322
Long-Term Debt Issued	87.57	67.69	24.11	-	-
Long-Term Debt Repaid	-	-15	-20	-17.25	-
Net Long-Term Debt Issued (Repaid)	87.57	52.69	4.11	-17.25	-
Issuance of Common Stock	1.81	116.62	0.16	-	0.24
Repurchase of Common Stock	-	-	-0.77	-0.62	-1.5
Net Common Stock Issued (Repurchased)	1.81	116.62	-0.62	-0.62	-1.25
Repurchase of Preferred Stock	-77.33	-82.17	-11.57	-	-
Net Preferred Stock Issued (Repurchased)	-77.33	-82.17	-11.57	-	-
Common Dividends Paid	-3.44	-3.22	-2.57	-2.57	-7.75
Preferred Share Dividends Paid	-6.46	-8.21	-9.01	-9.65	-9.66
Other Financing Activities	69.09	17	-	-	-
Financing Cash Flow	1,442	1,706	462.83	324.17	-354.76
Net Cash Flow	162.62	120.16	24.41	77.66	-178.37
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%	-
FCF Margin	9.81%	17.18%	9.96%	253.50%	528.02%
Free Cash Flow Per Share	0.00	1.23	0.73	19.44	52.00
Levered Free Cash Flow	385.45	316.5	17.69	360.36	-316.79
Unlevered Free Cash Flow	28.36	26.39	-19.07	3.5	-8.38

Updated May 14, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q