Northpointe Bancshares, Inc.

14.00

EUR

-0.20

(-1.41%)

2.31EPS

7.86P/E

580.97MMarket Cap

Jan 26Next Earn

Profitability (USD)

Profitability Ratios API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	5.69	10.56	13.89
Return on Assets (%)	- -	0.74	1.11	1.36
Return on Capital (%)	- -	2.15	3.14	4.31
Return on Invested Capital (%)	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -
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 (%)	- -	5.08	9.76	13.96

Credit (USD)

Credit Ratios API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	981	1,314	1,303	1,536
ST Debt	- -	- -	- -	- -
LT Debt	981	1,314	1,303	1,536
Total Debt/EBITDA	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -
Common Equity/Total Assets	9.48	9.05	8.85	8.1
Long-Term Debt/Equity (%)	235.14	305.23	281.67	270
Long-Term Debt/Capital (%)	70.16	75.32	73.8	72.97
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 (%)	70.16	75.32	73.8	72.97
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 (%)	62.88	69.09	66.7	64.63
EBITDA	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -
Common Equity/Total Assets	9.48	9.05	8.85	8.1
Long-Term Debt/Equity (%)	235.14	305.23	281.67	270
Long-Term Debt/Capital (%)	70.16	75.32	73.8	72.97
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 (%)	70.16	75.32	73.8	72.97
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	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

No data availableFinancial data will appear here once available

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	589
- 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	- -	- -	- -	1,629
Total Capital	1,399	1,745	1,765	2,105
Total Debt/Capital (%)	70.16	75.32	73.8	72.97
Total Debt / EV	- -	- -	- -	0.94
EV/Sales	- -	- -	- -	6.74
EV/EBITDA	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	36.78
EV/Free Cash Flow to Firm	- -	- -	- -	39.51
Diluted Market Cap	- -	- -	- -	578
Diluted Enterprise Value	- -	- -	- -	1,618
EV per Share	- -	- -	- -	47.22
TTM Sales	258	196	187	242
TTM EBITDA	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -
TTM Cash Flow to Firm	1,352	504	20	44
TTM Free Cash Flow to Firm	1,347	499	19	41

Multiples (USD)

Valuation Multiples API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	14.02
EV/EBIT	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	1,629
Low Price	- -	- -	- -	11.83
EV/Sales	- -	- -	- -	6.74
EV/EBITDA	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	7.97
Price/Earnings Average	- -	- -	- -	7.18
Price/Earnings High	- -	- -	- -	8.7
Price/Earnings Low	- -	- -	- -	5.52
Price/Book Value	- -	- -	- -	1.04
Price/Book Value Average	- -	- -	- -	0.93
Price/Book Value High	- -	- -	- -	1.13
Price/Book Value Low	- -	- -	- -	0.72
Price/Tangible Book Value	- -	- -	- -	1.07
Price/Tangible Book Value Average	- -	- -	- -	0.96
Price/Tangible Book Value High	- -	- -	- -	1.17
Price/Tangible Book Value Low	- -	- -	- -	0.74
Price/Sales	- -	- -	- -	2.36
Price/Sales Average	- -	- -	- -	2.13
Price/Sales High	- -	- -	- -	2.58
Price/Sales Low	- -	- -	- -	1.64
Price/Cash Flow	- -	- -	- -	12.89
Price/Cash Flow Average	- -	- -	- -	11.61
Price/Cash Flow High	- -	- -	- -	14.06
Price/Cash Flow Low	- -	- -	- -	8.93
Price/Free Cash Flow Average	- -	- -	- -	12.63
Price/Free Cash Flow High	- -	- -	- -	15.3
Price/Free Cash Flow Low	- -	- -	- -	9.71
EV/Sales Average	- -	- -	- -	6.5
EV/Sales High	- -	- -	- -	6.96
EV/Sales Low	- -	- -	- -	5.99
EV/EBITDA Average	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -
Last Price	- -	- -	- -	17.07
High Price	- -	- -	- -	18.63
Enterprise Value Average	- -	- -	- -	1,570
Enterprise Value High	- -	- -	- -	1,683
Enterprise Value Low	- -	- -	- -	1,448

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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	- -	- -	- -	- -
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	14.39
Book Value per Share	12.16	12.55	13.48	16.5
Tangible Book Value per Share	9.03	9.64	12.98	15.96

Profitability (USD)

Profitability Ratios API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	5.69	10.56	13.89
Return on Assets (%)	- -	0.74	1.11	1.36
Return on Capital (%)	- -	2.15	3.14	4.31
Return on Invested Capital (%)	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -
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 (%)	- -	5.08	9.76	13.96

Credit (USD)

Credit Ratios API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	981	1,314	1,303	1,536
ST Debt	- -	- -	- -	- -
LT Debt	981	1,314	1,303	1,536
Total Debt/EBITDA	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -
Common Equity/Total Assets	9.48	9.05	8.85	8.1
Long-Term Debt/Equity (%)	235.14	305.23	281.67	270
Long-Term Debt/Capital (%)	70.16	75.32	73.8	72.97
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 (%)	70.16	75.32	73.8	72.97
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 (%)	62.88	69.09	66.7	64.63
EBITDA	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -
Common Equity/Total Assets	9.48	9.05	8.85	8.1
Long-Term Debt/Equity (%)	235.14	305.23	281.67	270
Long-Term Debt/Capital (%)	70.16	75.32	73.8	72.97
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 (%)	70.16	75.32	73.8	72.97
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	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

No data availableFinancial data will appear here once available

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	589
- 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	- -	- -	- -	1,629
Total Capital	1,399	1,745	1,765	2,105
Total Debt/Capital (%)	70.16	75.32	73.8	72.97
Total Debt / EV	- -	- -	- -	0.94
EV/Sales	- -	- -	- -	6.74
EV/EBITDA	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	36.78
EV/Free Cash Flow to Firm	- -	- -	- -	39.51
Diluted Market Cap	- -	- -	- -	578
Diluted Enterprise Value	- -	- -	- -	1,618
EV per Share	- -	- -	- -	47.22
TTM Sales	258	196	187	242
TTM EBITDA	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -
TTM Cash Flow to Firm	1,352	504	20	44
TTM Free Cash Flow to Firm	1,347	499	19	41

Multiples (USD)

Valuation Multiples API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	14.02
EV/EBIT	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	1,629
Low Price	- -	- -	- -	11.83
EV/Sales	- -	- -	- -	6.74
EV/EBITDA	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	7.97
Price/Earnings Average	- -	- -	- -	7.18
Price/Earnings High	- -	- -	- -	8.7
Price/Earnings Low	- -	- -	- -	5.52
Price/Book Value	- -	- -	- -	1.04
Price/Book Value Average	- -	- -	- -	0.93
Price/Book Value High	- -	- -	- -	1.13
Price/Book Value Low	- -	- -	- -	0.72
Price/Tangible Book Value	- -	- -	- -	1.07
Price/Tangible Book Value Average	- -	- -	- -	0.96
Price/Tangible Book Value High	- -	- -	- -	1.17
Price/Tangible Book Value Low	- -	- -	- -	0.74
Price/Sales	- -	- -	- -	2.36
Price/Sales Average	- -	- -	- -	2.13
Price/Sales High	- -	- -	- -	2.58
Price/Sales Low	- -	- -	- -	1.64
Price/Cash Flow	- -	- -	- -	12.89
Price/Cash Flow Average	- -	- -	- -	11.61
Price/Cash Flow High	- -	- -	- -	14.06
Price/Cash Flow Low	- -	- -	- -	8.93
Price/Free Cash Flow Average	- -	- -	- -	12.63
Price/Free Cash Flow High	- -	- -	- -	15.3
Price/Free Cash Flow Low	- -	- -	- -	9.71
EV/Sales Average	- -	- -	- -	6.5
EV/Sales High	- -	- -	- -	6.96
EV/Sales Low	- -	- -	- -	5.99
EV/EBITDA Average	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -
Last Price	- -	- -	- -	17.07
High Price	- -	- -	- -	18.63
Enterprise Value Average	- -	- -	- -	1,570
Enterprise Value High	- -	- -	- -	1,683
Enterprise Value Low	- -	- -	- -	1,448

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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	- -	- -	- -	- -
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	14.39
Book Value per Share	12.16	12.55	13.48	16.5
Tangible Book Value per Share	9.03	9.64	12.98	15.96