Northpointe Bancshares, Inc.

Northpointe Bancshares, Inc.

NPB
Northpointe Bancshares, Inc.US flagNew York Stock Exchange
15.35
USD
+0.50
- -
529.48MMarket Cap
Northpointe Bancshares, Inc.
NPB
(New York Stock Exchange)

Recent

price

15.35

P/E

ratio

- -

div

yld

- -

ROIC.AI

2022
2023
2024
2025
TTM
FRC
7.51
5.72
5.45
7.23
7.42
Revenue per Share
0.4
0.7
1.37
2.14
2.35
Basic EPS, GAAP
39.25
14.53
0.55
1.23
2.94
Free Cash Flow per Basic Share
0.51
0.36
0.34
0.34
0.23
Dividend per Share
12.16
12.55
13.48
16.5
17.69
Book Value per Share
9.03
9.64
12.98
15.96
16.98
Tangible Book Value per Share
34
34
34
33
35
Basic Weighted Avg Shares
258
196
187
242
257
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
Operating Margin (%)
4
4
4
3
3
Depreciation Expense
23
34
55
83
90
Net Income, GAAP
31.03
24.45
24.31
24.44
24.9
Effective Tax Rate (%)
9.02
17.2
29.48
34.51
34.88
Profit Margin (%)
- -
- -
- -
- -
- -
Working Capital
981
1,314
1,303
1,536
1,629
LT Debt
417
431
462
569
612
Total Equity
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
Return on Capital (%)
- -
5.69
10.56
13.89
13.41
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
1,536
1,748
1,629
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
34
34
35
Market Capitalization
579
595
663

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
496
488
538
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
64
- -
- -
- -

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
0.61
- -
- -
- -

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
0.04
- -
- -
- -
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

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

  • Northpointe Bancshares, Inc. Strengthens Leadership Team with Appointment of Joseph (JB) Long as Chief Operating Officer and Chief Credit Officer

  • Northpointe Bancshares, Inc. Strengthens Leadership Team with Appointment of Joseph (JB) Long as Chief Operating Officer and Chief Credit Officer

  • Northpointe Bancshares, Inc. (NPB) Q2 2026 Earnings Call Transcript

  • Northpointe Bancshares Q2 Earnings Call Highlights

  • Northpointe Bancshares, Inc. (NPB) Q2 Earnings and Revenues Lag Estimates

  • Northpointe Bancshares, Inc. (NPB) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates

  • Northpointe Bancshares, Inc. Reports Second Quarter 2026 Results

  • Northpointe Bancshares, Inc. (NPB) Earnings Expected to Grow: What to Know Ahead of Next Week's Release

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

  • 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