Northpointe Bancshares, Inc.

Northpointe Bancshares, Inc.

NPB
Northpointe Bancshares, Inc.US flagNew York Stock Exchange
16.85
USD
-0.65
- -
253.35MMarket Cap
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
7.51
5.72
5.45
7.23
7.27
Basic EPS, GAAP
0.4
0.7
1.37
2.14
2.26
Free Cash Flow per Basic Share
39.25
14.53
0.55
1.23
0.71
Dividend per Share
0.51
0.36
0.34
0.34
0.29
Book Value per Share
6.92
7.33
8.63
10.9
11.12
Tangible Book Value per Share
9.03
9.64
12.98
16.47
16.4
Basic Weighted Avg Shares
34
34
34
33
35
Sales/Revenue/Turnover
258
196
187
242
252
Operating Margin (%)
- -
- -
- -
- -
- -
Depreciation Expense
4
4
4
3
3
Net Income, GAAP
23
34
55
83
88
Effective Tax Rate (%)
31.03
24.45
24.31
24.44
24.66
Profit Margin (%)
9.02
17.2
29.48
34.51
35.06
Working Capital
- -
- -
- -
- -
- -
LT Debt
981
1,314
1,303
1,536
1,748
Total Equity
417
431
462
569
590
Return on Invested Capital (%)
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
9.87
17.23
21.69
22.51

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
1,398
1,536
1,748
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
34
34
34
Market Capitalization
550
554
598

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
424
496
488
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
23.04%
Free Cash Flow
- -
- -
119.81%
Net Income, GAAP
- -
- -
51.22%
Sales/Revenue/Turnover
- -
- -
29.17%
Total Cash Common Dividend
- -
- -
-109.99%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
44
46
54
44
187
2025
53
59
64
65
242
2026
63
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.29
0.33
0.5
- -
1.37
2025
0.5
0.52
- -
0.53
2.14
2026
0.63
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.09
0.07
0.09
- -
0.34
2025
0.1
0.09
- -
0.07
0.34
2026
0.04
- -
- -
- -
- -

Company Description

APIChat
CEO
Charles A. Williams
Full Time Employees
491
Sector
Financial Services
Industry
Banks - Regional
Address
3333 Deposit Drive Northeast Grand Rapids MI United States of America 49546-1467
IPO Date
Feb 18, 2025
Business
Northpointe Bancshares, Inc. (NPB) is a bank holding company that operates through its wholly-owned subsidiary Northpointe Bank to provide mortgage-focused banking products and services across the United States; its core offerings include a nationwide mortgage purchase program for independent mortgage bankers, residential mortgage loans through consumer direct and retail channels encompassing conventional, government, and non-qualified mortgages, digital deposit banking products such as noninterest-bearing accounts, savings accounts, money-market demand accounts, certificates of deposit, health savings accounts, personal and business checking; all-in-one home equity lines of credit tied to demand deposit sweeps, and custodial deposit services for loan servicing clients. The company maintains loan production offices in 23 cities across 15 states, supported by a centralized operations center, serving clients in all 50 states and the District of Columbia. Founded in 1999 and headquartered in Grand Rapids, Michigan, Northpointe Bancshares emphasizes digital delivery systems and specialized mortgage warehousing alongside retail banking. In February 2025, the company completed its initial public offering on the New York Stock Exchange under the ticker NPB, raising proceeds to support corporate growth and balance sheet expansion following significant prior investments from Castle Creek Capital; subsequent financial performance strengthened with third quarter 2025 results showing net income of $20.1 million, total assets of $6.84 billion up 60% year-over-year, gross loans held for investment at $5.97 billion reflecting 65% annualized growth in mortgage purchase program balances and 23% in all-in-one loans, and deposits increasing $295.6 million linked-quarter amid new custodial account onboarding.

Company News

APIChat
  • Northpointe Bank Celebrates Industry Recognition, National Rankings, and One-Year IPO Milestone

  • Northpointe Bank Celebrates Industry Recognition, National Rankings, and One-Year IPO Milestone

  • Northpointe Bancshares, Inc. (NPB) Shareholder/Analyst Call Transcript

  • Northpointe Bancshares, Inc. (NPB) Q1 2026 Earnings Call Transcript

  • Compared to Estimates, Northpointe Bancshares, Inc. (NPB) Q1 Earnings: A Look at Key Metrics

  • Northpointe Bancshares, Inc. (NPB) Q1 Earnings and Revenues Miss Estimates

  • Northpointe Bancshares, Inc. Reports First Quarter 2026 Results

  • Northpointe Bancshares, Inc. Declares Quarterly Cash Dividend on Common Stock

  • Northpointe Bancshares, Inc. $NPB Stock Holdings Increased by JPMorgan Chase & Co.

  • Northpointe Bancshares, Inc. Announces Date of First Quarter 2026 Earnings Release and Conference Call

  • Northpointe Bancshares, Inc. Announces Appointment of Rodney E. Hood to its Board of Directors

  • Northpointe Bancshares Q4 Earnings Call Highlights

  • Northpointe Bancshares, Inc. $NPB Shares Sold by Cwm LLC

  • Northpointe Bancshares, Inc. (NPB) Q4 2025 Earnings Call Transcript

  • Northpointe Bancshares, Inc. Reports Fourth Quarter and Full Year 2025 Results

  • Northpointe Bancshares, Inc. Declares Quarterly Cash Dividend on Common Stock

  • Northpointe Bancshares, Inc. Announces Date of Fourth Quarter 2025 Earnings Release and Conference Call

  • Northpointe Bancshares, Inc. Announces Completion of $70 Million Subordinated Notes Offering

  • 3 Savings & Loan Industry Stocks to Buy on Solid Industry Prospects

  • Financial Contrast: Northpointe Bancshares (NYSE:NPB) versus Timberland Bancorp (NASDAQ:TSBK)