Northpointe Bancshares, Inc. (NPB)

Northpointe Bancshares Statistics

Total Valuation

NPB has a market cap or net worth of $603.10 million. The enterprise value is $1.58 billion.

Market Cap	603.10M
Enterprise Value	1.58B

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 23.33% in one year.

Current Share Class	30.39M
Shares Outstanding	34.36M
Shares Change (YoY)	+23.33%
Shares Change (QoQ)	+0.34%
Owned by Insiders (%)	36.24%
Owned by Institutions (%)	37.38%
Float	13.64M

Valuation Ratios

The trailing PE ratio is 8.98 and the forward PE ratio is 6.83.

PE Ratio	8.98
Forward PE	6.83
PS Ratio	2.56
Forward PS	2.27
PB Ratio	0.97
P/TBV Ratio	0.97
P/FCF Ratio	7.56
P/OCF Ratio	7.34
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	25.51
EV / Sales	7.39
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	19.85

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	17.54
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	$428,416
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	16.81
200-Day Moving Average	15.26
Relative Strength Index (RSI)	61.94
Average Volume (20 Days)	157,963

Short Selling Information

The latest short interest is 480,782, so 1.40% of the outstanding shares have been sold short.

Short Interest	480,782
Short Previous Month	1.11M
Short % of Shares Out	1.40%
Short % of Float	3.53%
Short Ratio (days to cover)	3.63

Income Statement

In the last 12 months, NPB had revenue of $214.21 million and earned $62.07 million in profits. Earnings per share was $1.95.

Revenue	214.21M
Gross Profit	214.21M
Operating Income	89.32M
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 -$980.15 million or -$28.52 per share.

Cash & Cash Equivalents	419.16M
Total Debt	1.40B
Net Cash	-980.15M
Net Cash Per Share	-$28.52
Equity (Book Value)	623.53M
Book Value Per Share	18.14
Working Capital	-4.25B

Cash Flow

In the last 12 months, operating cash flow was $82.11 million and capital expenditures -$2.35 million, giving a free cash flow of $79.76 million.

Operating Cash Flow	82.11M
Capital Expenditures	-2.35M
Free Cash Flow	79.76M
FCF Per Share	$2.32

Margins

Gross Margin	n/a
Operating Margin	41.70%
Pretax Margin	43.45%
Profit Margin	33.03%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	37.24%

Dividends & Yields

This stock pays an annual dividend of $0.10, which amounts to a dividend yield of 0.57%.

Dividend Per Share	$0.10
Dividend Yield	0.57%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	3.84%
Buyback Yield	-23.33%
Shareholder Yield	-22.76%
Earnings Yield	10.29%
FCF Yield	13.23%

Analyst Forecast

The average price target for NPB is $18.92, which is 7.81% higher than the current price. The consensus rating is "Buy".

Price Target	$18.92
Price Target Difference	7.81%
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	4