Northpointe Bancshares, Inc.

NPB

NPBNorthpointe Bancshares, Inc. US flag

New York Stock Exchange

16.85

USD

-0.65

- -

253.35MMarket Cap

Income Statement (USD)

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	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	258	196	187	242
+ Sales & Services Revenue	258	196	187	242
- Cost of Revenue	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -
+ Selling, General & Admin	160	104	78	90
+ Research & Development	- -	- -	- -	- -
+ Other Operating Expense	-160	-104	-78	-90
Operating Income (Loss)	- -	- -	- -	- -
- Non-Operating (Income) Loss	-34	-45	-73	-110
+ Interest Expense, Net	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-34	-45	-73	-110
Pretax Income	34	45	73	110
- Income Tax Expense (Benefit)	10	11	18	27
- (Income) Loss from Affiliates	- -	- -	- -	- -
Income (Loss) from Cont Ops	23	34	55	83
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -
Income (Loss) Incl. MI	23	34	55	83
- Minority Interest	- -	- -	- -	- -
Net Income, GAAP	23	34	55	83
- Preferred Dividends	10	10	8	12
- Other Adjustments	- -	- -	- -	- -
Net Income Avail to Common, GAAP	14	24	47	72
EBIT	- -	- -	- -	- -
EBITDA	4	4	4	3
EBITDA Margin (%)	1.56	2.05	2.03	1.27
EBITA	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -
Profit Margin (%)	9.02	17.2	29.48	34.51
Sales per Employee	- -	- -	- -	- -
Dividend per Share	0.51	0.36	0.34	0.34
Depreciation Expense	4	4	4	3
Basic Weighted Avg Shares	34	34	34	33
Basic EPS, GAAP	0.4	0.7	1.37	2.14
Basic EPS from Cont Ops	0.68	0.98	1.61	2.49
Diluted Weighted Avg Shares	34	34	34	34
Diluted EPS, GAAP	0.4	0.7	1.37	2.11
Diluted EPS from Cont Ops	0.68	0.98	1.61	2.46

Balance Sheet (USD)

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	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	283	367	385	496
+ Cash & Cash Equivalents	274	352	376	496
+ ST Investments	9	15	9	- -
+ Accounts & Notes Receiv	- -	- -	- -	- -
+ Accounts Receivable, Net	- -	- -	- -	- -
+ Notes Receivable, Net	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -
+ Other ST Assets	-283	-367	-385	-496
+ Misc ST Assets	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -
+ Property, Plant & Equip, Net	30	29	27	28
+ Property, Plant & Equip	53	41	42	40
- Accumulated Depreciation	23	12	14	13
+ LT Investments & Receivables	16	16	10	6
+ LT Investments	16	16	10	6
+ LT Receivables	- -	- -	- -	- -
+ Other LT Assets	-46	-45	-37	-34
+ Total Intangible Assets	107	100	17	19
+ Goodwill	- -	- -	- -	- -
+ Other Intangible Assets	107	100	17	19
+ LT Deferred Tax Assets	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -
+ Misc LT Assets	-153	-145	-54	-52
Total Assets	4,400	4,758	5,224	7,023
+ Payables & Accruals	- -	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -
+ Other ST Liabilities	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	- -	- -
Total Current Liabilities	- -	- -	- -	- -
+ LT Debt	981	1,314	1,303	1,536
+ LT Borrowings	981	1,314	1,303	1,536
+ LT Finance Leases	- -	- -	- -	- -
+ Other LT Liabilities	-981	-1,314	-1,303	-1,536
+ Accrued Liabilities	28	24	3	4
+ Pension Liabilities	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -
+ Misc LT Liabilities	-1,010	-1,338	-1,306	-1,540
Total Noncurrent Liabilities	- -	- -	- -	- -
Total Liabilities	3,983	4,328	4,762	6,454
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -
+ Share Capital & APIC	181	180	167	205
+ Common Stock	- -	- -	- -	- -
+ Additional Paid in Capital	181	180	167	205
- Treasury Stock	- -	- -	- -	- -
+ Retained Earnings	237	251	296	364
+ Other Equity	-1	-1	- -	- -
Equity Before Minority Interest	417	431	462	569
+ Minority/Non Controlling Interest	- -	- -	- -	- -
Total Equity	417	431	462	569
Total Liabilities & Equity	4,400	4,758	5,224	7,023
Shares Outstanding	34	34	34	34
Number of Employees	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -
Net Debt	707	962	926	1,040
Net Debt to Equity	169.42	223.51	200.3	182.76
Tangible Common Equity Ratio	7.22	7.1	8.55	7.86
Current Ratio	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -

Cash Flow Statement (USD)

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	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	23	34	55	83
+ Depreciation & Amortization	4	4	4	3
+ Non-Cash Items	1,333	464	-17	-68
+ Stock-Based Compensation	- -	- -	- -	- -
+ Deferred Income Taxes	8	-2	-21	- -
+ Asset Impairment Charge	- -	- -	1	- -
+ Other Non-Cash Adj	1,325	466	2	-69
+ Chg in Non-Cash Work Cap	-9	2	-22	26
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	-2	-3	-4	10
+ Inc (Dec) in Other	-7	6	-17	16
+ Net Cash From Disc Ops	- -	- -	- -	- -
Cash from Operating Activities	1,352	504	20	44
+ Change in Fixed & Intang	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -
+ Acq of Fixed & Intang	-5	-6	-1	-3
+ Acq of Fixed Prod Assets	-3	-3	-1	-3
+ Acq of Intangible Assets	-2	-3	- -	- -
+ Cash (Repurchase) of Equity	-1	-1	-1	117
+ Increase in Capital Stock	- -	- -	- -	117
+ Decrease in Capital Stock	-1	-1	-1	- -
+ Net Change in LT Investment	-6	- -	7	4
+ Dec in LT Investment	- -	- -	11	4
+ Inc in LT Investment	-6	- -	-4	- -
+ Net Cash From Acq & Div	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -
+ Other Investing Activities	-1,164	-745	-464	-1,631
+ Net Cash From Disc Ops	- -	- -	- -	- -
Cash from Investing Activities	-1,175	-751	-458	-1,630
+ Dividends Paid	-17	-12	-12	-11
+ Net Cash From Debt	-322	333	-10	235
+ Cash From Debt	1,265	350	379	1,282
+ Repayments of Debt	-1,587	-17	-390	-1,047
+ Other Financing Activities	-14	4	486	1,365
+ Net Cash From Disc Ops	- -	- -	- -	- -
Cash from Financing Activities	-355	324	463	1,706
Effect of Foreign Exchange Rates	- -	- -	- -	- -
Net Changes in Cash	-178	78	24	120
EBITDA	4	4	4	3
EBITDA Margin (%)	1.56	2.05	2.03	1.27
Free Cash Flow	1,347	499	19	41
Net Cash Paid for Acquisitions	- -	- -	- -	- -
Free Cash Flow to Firm	1,347	499	19	41
Free Cash Flow to Equity	- -	824	- -	265
Free Cash Flow per Basic Share	39.25	14.53	0.55	1.23
Price/Free Cash Flow	0.11	0.13	1.4	12
Cash Flow to Net Income	58.16	14.93	0.36	0.53
Capital Expenditures	-5	-6	-1	-3