Northpointe Bancshares, Inc.

NPB

NPBNorthpointe Bancshares, Inc. US flag

New York Stock Exchange

16.85

USD

-0.65

- -

253.35MMarket Cap

Profitability (USD)

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	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	9.87	17.23	21.69
Return on Assets (%)	- -	0.74	1.11	1.36
Return on Capital (%)	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100
EBITDA Margin (%)	1.56	2.05	2.03	1.27
Operating Margin (%)	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -
Pretax Margin (%)	13.08	22.77	38.94	45.67
Profit Margin (%)	9.02	17.2	29.48	34.51
Net Income to Common Margin (%)	5.27	12.28	25.2	29.63
Effective Tax Rate (%)	31.03	24.45	24.31	24.44
Dvd Payout Ratio (%)	57.09	10.67	7.6	-0.5
Sustainable Growth Rate (%)	- -	8.81	15.92	21.8

Credit (USD)

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	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	981	1,314	1,303	1,536
ST Debt	- -	- -	- -	- -
LT Debt	981	1,314	1,303	1,536
Total Debt/EBITDA	244.15	327.2	342.72	500.14
Net Debt/EBITDA	175.92	239.6	243.72	338.53
Total Debt/EBIT	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -
Common Equity/Total Assets	5.39	5.28	5.67	5.19
Long-Term Debt/Equity (%)	235.14	305.23	281.67	270
Long-Term Debt/Capital (%)	80.52	83.95	81.49	80.83
Long-Term Debt/Total Assets (%)	22.3	27.62	24.94	21.88
Total Debt/Equity (%)	235.14	305.23	281.67	270
Total Debt/Capital (%)	80.52	83.95	81.49	80.83
Total Debt/Total Assets (%)	22.3	27.62	24.94	21.88
Net Debt to Equity	169.42	223.51	200.3	182.76
Net Debt/Capital (%)	74.87	79.29	75.79	74.05
EBITDA	4	4	4	3
EBITDA-CapEx	-1	-2	3	- -
Operating Income (Loss)	- -	- -	- -	- -

Liquidity (USD)

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	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -
Common Equity/Total Assets	5.39	5.28	5.67	5.19
Long-Term Debt/Equity (%)	235.14	305.23	281.67	270
Long-Term Debt/Capital (%)	80.52	83.95	81.49	80.83
Long-Term Debt/Total Assets (%)	22.3	27.62	24.94	21.88
Total Debt/Equity (%)	235.14	305.23	281.67	270
Total Debt/Capital (%)	80.52	83.95	81.49	80.83
Total Debt/Total Assets (%)	22.3	27.62	24.94	21.88
CFO/Total Liabilities	33.93	11.65	0.42	0.69
CFO/CapEx	265.23	91.14	18.83	14.47
Altman's Z-Score	0.16	0.13	0.12	0.16

Working Capital (USD)

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	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -
Inventories	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -

Enterprise Value (USD)

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	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	143	65	29	561
- Cash & Cash Equivalents	274	352	376	496
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -
+ Total Debt	981	1,314	1,303	1,536
Enterprise Value	841	1,013	947	1,601
Total Capital	1,219	1,566	1,599	1,901
Total Debt/Capital (%)	80.52	83.95	81.49	80.83
Total Debt / EV	1.17	1.3	1.38	0.96
EV/Sales	3.27	5.16	5.06	6.62
EV/EBITDA	209.34	252.16	249.14	521.15
EV/EBIT	- -	- -	- -	- -
EV/Cash Flow to Firm	0.62	2.01	47.81	36.15
EV/Free Cash Flow to Firm	0.62	1.99	45.39	33.81
Diluted Market Cap	143	65	29	568
Diluted Enterprise Value	850	1,028	956	1,608
EV per Share	24.52	29.52	27.6	47.89
TTM Sales	258	196	187	242
TTM EBITDA	4	4	4	3
TTM Operating Income	- -	- -	- -	- -
TTM Cash Flow to Firm	1,352	504	20	44
TTM Free Cash Flow to Firm	1,357	510	21	47

Multiples (USD)

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	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	0.11	0.13	1.4	12
EV/EBIT	- -	- -	- -	- -
Enterprise Value	841	1,013	947	1,601
Low Price	3.19	1.16	0.84	0.85
EV/Sales	3.27	5.16	5.06	6.62
EV/EBITDA	209.34	252.16	249.14	521.15
Price/Earnings	10.56	2.7	0.62	7.83
Price/Earnings Average	30.76	4.17	1.09	6.39
Price/Earnings High	120.63	10.91	1.85	8.8
Price/Earnings Low	8.06	1.65	0.61	0.4
Price/Book Value	0.6	0.26	0.1	1.54
Price/Book Value Average	1.76	0.4	0.17	1.26
Price/Book Value High	6.9	1.05	0.29	1.73
Price/Book Value Low	0.46	0.16	0.1	0.08
Price/Tangible Book Value	0.46	0.2	0.07	1.02
Price/Tangible Book Value Average	1.35	0.3	0.12	0.83
Price/Tangible Book Value High	5.29	0.8	0.2	1.14
Price/Tangible Book Value Low	0.35	0.12	0.06	0.05
Price/Sales	0.56	0.33	0.16	2.32
Price/Sales Average	1.62	0.51	0.27	1.89
Price/Sales High	6.36	1.34	0.47	2.61
Price/Sales Low	0.42	0.2	0.15	0.12
Price/Cash Flow	0.11	0.13	1.47	12.67
Price/Cash Flow Average	0.31	0.2	2.59	10.33
Price/Cash Flow High	1.21	0.52	4.4	14.23
Price/Cash Flow Low	0.08	0.08	1.46	0.64
Price/Free Cash Flow Average	0.31	0.2	2.46	9.79
Price/Free Cash Flow High	1.21	0.52	4.18	13.48
Price/Free Cash Flow Low	0.08	0.08	1.38	0.61
EV/Sales Average	4.37	5.42	5.22	6.2
EV/Sales High	9.11	6.24	5.42	6.91
EV/Sales Low	3.17	5.11	5.1	4.42
EV/EBITDA Average	279.86	264.61	257.2	487.45
EV/EBITDA High	583.55	305.11	266.65	543.67
EV/EBITDA Low	203.15	249.51	251.31	347.78
EV/EBIT Average	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -
Last Price	4.18	1.9	0.85	16.78
High Price	47.75	7.67	2.54	18.85
Enterprise Value Average	1,125	1,063	978	1,497
Enterprise Value High	2,345	1,226	1,014	1,670
Enterprise Value Low	816	1,002	955	1,068

Profitability (USD)

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	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	9.87	17.23	21.69
Return on Assets (%)	- -	0.74	1.11	1.36
Return on Capital (%)	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100
EBITDA Margin (%)	1.56	2.05	2.03	1.27
Operating Margin (%)	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -
Pretax Margin (%)	13.08	22.77	38.94	45.67
Profit Margin (%)	9.02	17.2	29.48	34.51
Net Income to Common Margin (%)	5.27	12.28	25.2	29.63
Effective Tax Rate (%)	31.03	24.45	24.31	24.44
Dvd Payout Ratio (%)	57.09	10.67	7.6	-0.5
Sustainable Growth Rate (%)	- -	8.81	15.92	21.8

Credit (USD)

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	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	981	1,314	1,303	1,536
ST Debt	- -	- -	- -	- -
LT Debt	981	1,314	1,303	1,536
Total Debt/EBITDA	244.15	327.2	342.72	500.14
Net Debt/EBITDA	175.92	239.6	243.72	338.53
Total Debt/EBIT	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -
Common Equity/Total Assets	5.39	5.28	5.67	5.19
Long-Term Debt/Equity (%)	235.14	305.23	281.67	270
Long-Term Debt/Capital (%)	80.52	83.95	81.49	80.83
Long-Term Debt/Total Assets (%)	22.3	27.62	24.94	21.88
Total Debt/Equity (%)	235.14	305.23	281.67	270
Total Debt/Capital (%)	80.52	83.95	81.49	80.83
Total Debt/Total Assets (%)	22.3	27.62	24.94	21.88
Net Debt to Equity	169.42	223.51	200.3	182.76
Net Debt/Capital (%)	74.87	79.29	75.79	74.05
EBITDA	4	4	4	3
EBITDA-CapEx	-1	-2	3	- -
Operating Income (Loss)	- -	- -	- -	- -

Liquidity (USD)

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	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -
Common Equity/Total Assets	5.39	5.28	5.67	5.19
Long-Term Debt/Equity (%)	235.14	305.23	281.67	270
Long-Term Debt/Capital (%)	80.52	83.95	81.49	80.83
Long-Term Debt/Total Assets (%)	22.3	27.62	24.94	21.88
Total Debt/Equity (%)	235.14	305.23	281.67	270
Total Debt/Capital (%)	80.52	83.95	81.49	80.83
Total Debt/Total Assets (%)	22.3	27.62	24.94	21.88
CFO/Total Liabilities	33.93	11.65	0.42	0.69
CFO/CapEx	265.23	91.14	18.83	14.47
Altman's Z-Score	0.16	0.13	0.12	0.16

Working Capital (USD)

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	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -
Inventories	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -

Enterprise Value (USD)

API Chat

	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	143	65	29	561
- Cash & Cash Equivalents	274	352	376	496
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -
+ Total Debt	981	1,314	1,303	1,536
Enterprise Value	841	1,013	947	1,601
Total Capital	1,219	1,566	1,599	1,901
Total Debt/Capital (%)	80.52	83.95	81.49	80.83
Total Debt / EV	1.17	1.3	1.38	0.96
EV/Sales	3.27	5.16	5.06	6.62
EV/EBITDA	209.34	252.16	249.14	521.15
EV/EBIT	- -	- -	- -	- -
EV/Cash Flow to Firm	0.62	2.01	47.81	36.15
EV/Free Cash Flow to Firm	0.62	1.99	45.39	33.81
Diluted Market Cap	143	65	29	568
Diluted Enterprise Value	850	1,028	956	1,608
EV per Share	24.52	29.52	27.6	47.89
TTM Sales	258	196	187	242
TTM EBITDA	4	4	4	3
TTM Operating Income	- -	- -	- -	- -
TTM Cash Flow to Firm	1,352	504	20	44
TTM Free Cash Flow to Firm	1,357	510	21	47

Multiples (USD)

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	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	0.11	0.13	1.4	12
EV/EBIT	- -	- -	- -	- -
Enterprise Value	841	1,013	947	1,601
Low Price	3.19	1.16	0.84	0.85
EV/Sales	3.27	5.16	5.06	6.62
EV/EBITDA	209.34	252.16	249.14	521.15
Price/Earnings	10.56	2.7	0.62	7.83
Price/Earnings Average	30.76	4.17	1.09	6.39
Price/Earnings High	120.63	10.91	1.85	8.8
Price/Earnings Low	8.06	1.65	0.61	0.4
Price/Book Value	0.6	0.26	0.1	1.54
Price/Book Value Average	1.76	0.4	0.17	1.26
Price/Book Value High	6.9	1.05	0.29	1.73
Price/Book Value Low	0.46	0.16	0.1	0.08
Price/Tangible Book Value	0.46	0.2	0.07	1.02
Price/Tangible Book Value Average	1.35	0.3	0.12	0.83
Price/Tangible Book Value High	5.29	0.8	0.2	1.14
Price/Tangible Book Value Low	0.35	0.12	0.06	0.05
Price/Sales	0.56	0.33	0.16	2.32
Price/Sales Average	1.62	0.51	0.27	1.89
Price/Sales High	6.36	1.34	0.47	2.61
Price/Sales Low	0.42	0.2	0.15	0.12
Price/Cash Flow	0.11	0.13	1.47	12.67
Price/Cash Flow Average	0.31	0.2	2.59	10.33
Price/Cash Flow High	1.21	0.52	4.4	14.23
Price/Cash Flow Low	0.08	0.08	1.46	0.64
Price/Free Cash Flow Average	0.31	0.2	2.46	9.79
Price/Free Cash Flow High	1.21	0.52	4.18	13.48
Price/Free Cash Flow Low	0.08	0.08	1.38	0.61
EV/Sales Average	4.37	5.42	5.22	6.2
EV/Sales High	9.11	6.24	5.42	6.91
EV/Sales Low	3.17	5.11	5.1	4.42
EV/EBITDA Average	279.86	264.61	257.2	487.45
EV/EBITDA High	583.55	305.11	266.65	543.67
EV/EBITDA Low	203.15	249.51	251.31	347.78
EV/EBIT Average	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -
Last Price	4.18	1.9	0.85	16.78
High Price	47.75	7.67	2.54	18.85
Enterprise Value Average	1,125	1,063	978	1,497
Enterprise Value High	2,345	1,226	1,014	1,670
Enterprise Value Low	816	1,002	955	1,068

	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	34	34	34	34
Diluted Weighted Avg Shares	34	34	34	34
Basic Weighted Avg Shares	34	34	34	33
Revenue per Share	7.51	5.72	5.45	7.23
EBITDA per Share	0.12	0.12	0.11	0.09
Operating Income per Share	- -	- -	- -	- -
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 EPS, GAAP	0.4	0.7	1.37	2.11
Diluted EPS from Cont Ops	0.68	0.98	1.61	2.46
Dividend per Share	0.51	0.36	0.34	0.34
Cash Flow per Share	39.4	14.69	0.58	1.32
Free Cash Flow per Basic Share	39.25	14.53	0.55	1.23
Cash & Equivalents per Share	8.26	10.69	11.22	14.85
Book Value per Share	6.92	7.33	8.63	10.9
Tangible Book Value per Share	9.03	9.64	12.98	16.47

Northpointe Bancshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)