Northpointe Bancshares, Inc. (NPB)

Northpointe Bancshares Statistics

Total Valuation

NPB has a market cap or net worth of $573.89 million. The enterprise value is $1.46 billion.

Market Cap	573.89M
Enterprise Value	1.46B

Important Dates

The next confirmed earnings date is Tuesday, October 21, 2025, after market close.

Earnings Date	Oct 21, 2025
Ex-Dividend Date	Oct 15, 2025

Share Statistics

NPB has 34.36 million shares outstanding. The number of shares has increased by 13.82% in one year.

Current Share Class	30.39M
Shares Outstanding	34.36M
Shares Change (YoY)	+13.82%
Shares Change (QoQ)	+15.67%
Owned by Insiders (%)	34.70%
Owned by Institutions (%)	38.02%
Float	15.96M

Valuation Ratios

The trailing PE ratio is 8.27 and the forward PE ratio is 6.76.

PE Ratio	8.27
Forward PE	6.76
PS Ratio	2.37
Forward PS	2.18
PB Ratio	0.95
P/TBV Ratio	0.95
P/FCF Ratio	16.51
P/OCF Ratio	15.62
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	24.79
EV / Sales	7.15
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	42.10

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	37.55
Interest Coverage	n/a

Financial Efficiency

Return on Equity (ROE)	n/a
Return on Assets (ROA)	n/a
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$409,328
Profits Per Employee	$118,076
Employee Count	500
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, NPB has paid $21.23 million in taxes.

Income Tax	21.23M
Effective Tax Rate	23.98%

Stock Price Statistics

Beta (5Y)	n/a
52-Week Price Change	n/a
50-Day Moving Average	17.40
200-Day Moving Average	n/a
Relative Strength Index (RSI)	41.10
Average Volume (20 Days)	121,161

Short Selling Information

The latest short interest is 369,727, so 1.08% of the outstanding shares have been sold short.

Short Interest	369,727
Short Previous Month	530,734
Short % of Shares Out	1.08%
Short % of Float	2.32%
Short Ratio (days to cover)	1.99

Income Statement

In the last 12 months, NPB had revenue of $204.66 million and earned $59.04 million in profits. Earnings per share was $2.02.

Revenue	204.66M
Gross Profit	204.66M
Operating Income	84.77M
Pretax Income	88.51M
Net Income	59.04M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.02

Balance Sheet

The company has $415.66 million in cash and $1.31 billion in debt, giving a net cash position of -$889.60 million or -$25.89 per share.

Cash & Cash Equivalents	415.66M
Total Debt	1.31B
Net Cash	-889.60M
Net Cash Per Share	-$25.89
Equity (Book Value)	604.28M
Book Value Per Share	17.58
Working Capital	-3.88B

Cash Flow

In the last 12 months, operating cash flow was $36.75 million and capital expenditures -$1.99 million, giving a free cash flow of $34.76 million.

Operating Cash Flow	36.75M
Capital Expenditures	-1.99M
Free Cash Flow	34.76M
FCF Per Share	$1.01

Margins

Gross Margin	n/a
Operating Margin	41.42%
Pretax Margin	43.25%
Profit Margin	32.88%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	16.98%

Dividends & Yields

This stock pays an annual dividend of $0.10, which amounts to a dividend yield of 0.60%.

Dividend Per Share	$0.10
Dividend Yield	0.60%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	3.71%
Buyback Yield	-13.82%
Shareholder Yield	-13.22%
Earnings Yield	10.29%
FCF Yield	6.06%

Analyst Forecast

The average price target for NPB is $18.92, which is 13.29% higher than the current price. The consensus rating is "Buy".

Price Target	$18.92
Price Target Difference	13.29%
Analyst Consensus	Buy
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	2