Northpointe Bancshares, Inc. (NPB)

Northpointe Bancshares Statistics

Total Valuation

NPB has a market cap or net worth of $544.68 million. The enterprise value is $1.52 billion.

Market Cap	544.68M
Enterprise Value	1.52B

Important Dates

The last earnings date was 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 23.21% in one year.

Current Share Class	30.39M
Shares Outstanding	34.36M
Shares Change (YoY)	+23.21%
Shares Change (QoQ)	+0.34%
Owned by Insiders (%)	36.25%
Owned by Institutions (%)	41.01%
Float	15.43M

Valuation Ratios

The trailing PE ratio is 8.11 and the forward PE ratio is 6.17.

PE Ratio	8.11
Forward PE	6.17
PS Ratio	2.29
Forward PS	2.03
PB Ratio	0.87
P/TBV Ratio	0.88
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	24.55
EV / Sales	7.05
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

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

Financial Efficiency

Return on equity (ROE) is 13.12%.

Return on Equity (ROE)	13.12%
Return on Assets (ROA)	1.16%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$432,512
Profits Per Employee	$124,136
Employee Count	500
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, NPB has paid $22.31 million in taxes.

Income Tax	22.31M
Effective Tax Rate	23.98%

Stock Price Statistics

Beta (5Y)	n/a
52-Week Price Change	n/a
50-Day Moving Average	17.32
200-Day Moving Average	n/a
Relative Strength Index (RSI)	36.70
Average Volume (20 Days)	116,740

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	2.40%
Short Ratio (days to cover)	1.99

Income Statement

In the last 12 months, NPB had revenue of $216.26 million and earned $62.07 million in profits. Earnings per share was $1.95.

Revenue	216.26M
Gross Profit	216.26M
Operating Income	91.37M
Pretax Income	93.07M
Net Income	62.07M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.95

Balance Sheet

The company has $419.16 million in cash and $1.40 billion in debt, giving a net cash position of -$979.08 million or -$28.49 per share.

Cash & Cash Equivalents	419.16M
Total Debt	1.40B
Net Cash	-979.08M
Net Cash Per Share	-$28.49
Equity (Book Value)	623.53M
Book Value Per Share	18.14
Working Capital	-4.09B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	42.25%
Pretax Margin	43.04%
Profit Margin	32.72%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.10, which amounts to a dividend yield of 0.63%.

Dividend Per Share	$0.10
Dividend Yield	0.63%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	3.84%
Buyback Yield	-23.21%
Shareholder Yield	-22.58%
Earnings Yield	11.40%
FCF Yield	n/a

Analyst Forecast

The average price target for NPB is $18.92, which is 19.37% higher than the current price. The consensus rating is "Buy".

Price Target	$18.92
Price Target Difference	19.37%
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