NPB

Northpointe Bancshares, Inc.

USD

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Price alert · NPB

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15.79 USD -0.39 -2.41%
As of Oct 30, 2026 Extended hours 15.79 0.00%
Bid
15.74 × 800
Ask
15.82 × 200
15.75 Day range 16.53
14.57 52-week range 19.31
YTD
-5.90%
1 year
-1.31%
Open
16.28
Prev close
16.18
Mkt cap
546.05M
Vol
204.73K
Avg vol
260.67K
EPS
2.14
P/E
7.38
Div yield
0.00%
More statistics
Low
15.75
High
16.53

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Financial health

Altman Z-Score

0.31 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 2
  • Return on Equity 4
  • Return on Assets 3
  • Debt / Equity 1
  • P/E 4
  • P/B 4

Valuation

P/E 7.8×
FY 2022: 36.3×FY 2023: 20.7×FY 2024: 10.6×FY 2025: 7.8×
FY 2022 5y median 15.6× FY 2025
P/S 1.2×
FY 2022: 1.5×FY 2023: 1.4×FY 2024: 1.3×FY 2025: 1.2×
FY 2022 5y median 1.3× FY 2025
P/B 1.0×
FY 2022: 1.2×FY 2023: 1.2×FY 2024: 1.1×FY 2025: 1.0×
FY 2022 5y median 1.1× FY 2025
P/FCF 13.6×
FY 2022: 0.4×FY 2023: 1.0×FY 2024: 26.5×FY 2025: 13.6×
FY 2022 5y median 7.3× FY 2025
EV/EBITDA 14.1×
FY 2022: 31.9×FY 2023: 30.0×FY 2024: 18.6×FY 2025: 14.1×
FY 2022 5y median 24.3× FY 2025
EV/Sales 3.4×
FY 2022: 3.7×FY 2023: 4.0×FY 2024: 3.6×FY 2025: 3.4×
FY 2022 5y median 3.7× FY 2025
FCF Yield 7.3%
FY 2022: 270.7%FY 2023: 100.2%FY 2024: 3.8%FY 2025: 7.3%
FY 2022 5y median 53.8% FY 2025

Profitability

Gross Margin 50.9%
FY 2022: 78.7%FY 2023: 54.6%FY 2024: 48.0%FY 2025: 50.9%
FY 2022 5y median 52.7% FY 2025
Operating Margin 23.4%
FY 2022: 10.4%FY 2023: 12.3%FY 2024: 18.7%FY 2025: 23.4%
FY 2022 5y median 15.5% FY 2025
Net Margin 17.7%
FY 2022: 7.2%FY 2023: 9.3%FY 2024: 14.1%FY 2025: 17.7%
FY 2022 5y median 11.7% FY 2025
ROE 14.7%
FY 2022: 5.6%FY 2023: 7.8%FY 2024: 11.9%FY 2025: 14.7%
FY 2022 5y median 9.9% FY 2025
ROIC 3.9%
FY 2022: 1.6%FY 2023: 1.8%FY 2024: 3.1%FY 2025: 3.9%
FY 2022 5y median 2.5% FY 2025
ROA 1.2%
FY 2022: 0.5%FY 2023: 0.7%FY 2024: 1.1%FY 2025: 1.2%
FY 2022 5y median 0.9% FY 2025

Growth (YoY)

Revenue 20.7%
FY 2022: 0.0%FY 2023: 11.8%FY 2024: 7.7%FY 2025: 20.7%
FY 2022 FY 2025
Operating Income 51.5%
FY 2022: 0.0%FY 2023: 32.6%FY 2024: 63.1%FY 2025: 51.5%
FY 2022 FY 2025
EPS (diluted) 54.0%
FY 2022: 0.0%FY 2023: 75.0%FY 2024: 95.7%FY 2025: 54.0%
FY 2022 FY 2025
Free Cash Flow 119.8%
FY 2022: 0.0%FY 2023: -63.0%FY 2024: -96.2%FY 2025: 119.8%
FY 2022 FY 2025

Financial Health

Current Ratio 0.1×
FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2022 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2022 5y median 0.1× FY 2025
Debt / Equity 2.7×
FY 2022: 2.4×FY 2023: 3.1×FY 2024: 2.8×FY 2025: 2.7×
FY 2022 5y median 2.8× FY 2025
Net Debt / EBITDA 9.2×
FY 2022: 18.7×FY 2023: 19.8×FY 2024: 12.1×FY 2025: 9.2×
FY 2022 5y median 15.4× FY 2025
Interest Coverage 0.5×
FY 2022: 0.5×FY 2023: 0.3×FY 2024: 0.4×FY 2025: 0.5×
FY 2022 5y median 0.4× FY 2025

Dividends

Dividend Yield 2.0%
FY 2022: 3.5%FY 2023: 2.5%FY 2024: 2.3%FY 2025: 2.0%
FY 2022 5y median 2.4% FY 2025
Payout Ratio 13.7%
FY 2022: 74.9%FY 2023: 36.2%FY 2024: 21.0%FY 2025: 13.7%
FY 2022 5y median 28.6% FY 2025

Annual · latest fiscal year ends 2025-12-31