Northpointe Bancshares Inc.

NPB | NYSE

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$16.16

-$0.29 (-1.76%)

At close: Sep 21, 2026, 4:00 PM ET

$16.16

$0 (0.00%)

After-hours: Sep 21, 2026, 4:01 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $567.43M

Enterprise Value $1.64B

Beta 0.06

Average Volume 177.26K

Shares Outstanding (Diluted) 15.36M

Shares Change YoY 0.34%

Institutional Ownership 64.33%

Exchange NYSE

ISIN US66661N8864

Price Performance

Price Change 1M -7.1%

Price Change 3M -11.0%

Price Change 6M -4.9%

Price Change YTD -3.1%

Price Change 1Y -11.4%

Price Change 3Y 11.6%

Price Change 5Y 11.6%

1M CAGR (ann.) -3.9%

1Y CAGR (ann.) -9.7%

5Y CAGR (ann.) N/A

All-Time CAGR 8.9%

Valuation

PE Ratio 3.04

Forward PE 6.12

PEG Ratio 0.22

Forward PEG 0.64

PS Ratio 1.26

Forward PS 2.00

PB Ratio 0.91

P/FCF Ratio 22.19

P/Adj. FCF Ratio 22.19

P/OCF Ratio 5.61

EV/Sales 3.71

EV/EBIT 26.88

EV/EBITDA 26.24

EV/FCF 65.44

Earnings Yield 32.9%

FCF Yield 4.5%

Adj. FCF Yield 4.5%

Financial Health

Net Debt $1.09B

Total Debt $1.63B

Cash & Short-Term Investments $543.24M

Total Assets $7.53B

Current Ratio 0.00

Quick Ratio 0.00

Debt / Equity Ratio 2.66

Debt / EBITDA 26.01

Debt / FCF 64.88

OCF / Debt 0.02

Interest Coverage 0.25

Altman Z-Score 0.30

Piotroski F-Score 4

Margins & Profitability

Gross Profit Margin 45.0%

Operating Profit Margin 13.8%

EBITDA Margin 14.1%

Net Profit Margin 20.3%

FCF Margin 5.7%

Adj. FCF Margin 5.7%

SBC / Revenue 0.0%

SBC Impact (per share) N/A

Returns

Return on Assets 1.2%

Return on Equity 15.0%

Return on Invested Capital 0.6%

Return on Capital Employed 0.8%

Return on Tangible Assets 1.2%

Historical Growth (CAGR)

Revenue CAGR 3Y 16.2%

Revenue CAGR 5Y 52.4%

Revenue CAGR 10Y N/A

EPS CAGR 3Y 118.7%

EPS CAGR 5Y 112.6%

EPS CAGR 10Y N/A

FCF CAGR 3Y 40.7%

FCF CAGR 5Y -29.5%

FCF CAGR 10Y N/A

Analyst Forecasts

Analyst Rating Buy

Analyst Count 2

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date N/A

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $45.88

Graham Upside 183.9%

Lynch Fair Value $132.75

Lynch Upside 721.5%

Price Target $22

Price Target Upside 36.1%

Cash Flow

Operating Cash Flow $27.56M

Free Cash Flow $25.12M

Adj. Free Cash Flow $25.12M

FCF Per Share $2.84

OCF Per Share $2.88

OCF/S Ratio 22.5%

Income Statement

Revenue $443.11M

Gross Profit $199.19M

Operating Income $61.14M

EBITDA $62.64M

Net Income $89.72M

EPS (Diluted) $5.31

Revenue / Employee $917.41K

Profit / Employee $185.75K

Employees 483

Dividends

Annual Dividend $0.10

Dividend Yield 0.62%

Payout Ratio 1.9%

FCF Payout Ratio 37.6%

Adj. FCF Payout Ratio 37.6%

Dividend Growth (YoY) 100.0%

Pay Frequency Quarterly

Ex-Dividend Date Jul 14, 2026