NPB

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Northpointe Bancshares, Inc.

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Key Metrics

Previous Close: $14.85
52-Week Range: $14.21 – $19.71
Market Cap: $530.83M
P/E (TTM): 6.62
EPS (TTM): 2.32
Dividend Yield: 0.65%

Advanced Metrics

Price/Book: 0.87
PEG Ratio: —
Return on Equity: 14.76%
Return on Assets: 1.29%
Gross Margin: 0.00%
Operating Margin: 45.06%
Profit Margin: 34.88%
Current Ratio: —
Debt/Equity: —
Total Debt: $1.63B
Free Cash Flow: —
Revenue Growth: 9.80%
Earnings Growth: 17.60%
Enterprise Value: $1.62B

NPB Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$257.56M	$196.29M	$187.14M	$241.72M
Selling, General & Admin	$159.88M	$104.29M	$77.79M	$90.17M
Pretax Income	$33.69M	$44.69M	$72.88M	$110.39M
Income Tax	$10.46M	$10.93M	$17.72M	$26.98M
Net Income	$23.24M	$33.76M	$55.16M	$83.41M
Diluted EPS	0.40	0.70	1.37	2.11
Diluted Shares	34.31M	34.31M	34.31M	33.86M

NPB Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$274.23M	$351.89M	$376.30M	$496.46M
Total Assets	$4.40B	$4.76B	$5.22B	$7.02B
Long-Term Debt	$981.25M	$1.31B	$1.30B	$1.54B
Total Debt	$981.25M	$1.31B	$1.30B	$1.54B
Total Liabilities	$3.98B	$4.33B	$4.76B	$6.45B
Retained Earnings	$237.33M	$251.38M	$295.97M	$364.37M
Shareholders' Equity	$417.31M	$430.62M	$462.49M	$569.04M
Net Debt	$707.02M	$962.48M	$926.39M	$1.04B

NPB Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$1.35B	$504.17M	$19.81M	$44.29M
Capital Expenditure	-$5.10M	-$5.53M	-$1.05M	-$3.06M
Free Cash Flow	$1.35B	$498.64M	$18.76M	$41.23M
Depreciation & Amortisation	$4.02M	$4.02M	$3.80M	$3.07M
Investing Cash Flow	-$1.18B	-$750.68M	-$458.24M	-$1.63B
Financing Cash Flow	-$354.76M	$324.17M	$462.83M	$1.71B
Dividends Paid	-$17.41M	-$12.22M	-$11.58M	-$11.43M
Share Repurchases	-$1.50M	-$616.00K	-$12.34M	-$82.17M
Net Change in Cash	-$178.37M	$77.66M	$24.41M	$120.16M

NPB Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$58.96M	$64.36M	$65.14M	$63.42M	$64.32M
Selling, General & Admin	$22.23M	$24.34M	$23.16M	$24.35M	$25.03M
Pretax Income	$26.65M	$29.17M	$31.97M	$29.43M	$28.89M
Income Tax	$6.31M	$7.00M	$8.33M	$7.27M	$7.14M
Net Income	$20.34M	$22.17M	$23.64M	$22.15M	$21.75M
Diluted EPS	0.51	—	0.52	0.62	0.60
Diluted Shares	35.22M	—	35.09M	35.26M	35.42M

NPB Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$415.66M	$419.16M	$496.46M	$487.62M	$538.36M
Total Assets	$6.43B	$6.84B	$7.02B	$7.40B	$7.53B
Long-Term Debt	$1.30B	$1.40B	$1.54B	$1.75B	$1.63B
Total Debt	$1.30B	$1.40B	$1.54B	$1.75B	$1.63B
Total Liabilities	$5.83B	$6.22B	$6.45B	$6.81B	$6.92B
Retained Earnings	$327.56M	$346.83M	$364.37M	$385.21M	$405.63M
Shareholders' Equity	$604.28M	$623.52M	$569.04M	$589.99M	$611.65M
Net Debt	$888.45M	$979.08M	$1.04B	$1.26B	$1.09B

NPB Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	-$72.30M	$90.43M	-$28.26M	$37.69M	$3.86M
Capital Expenditure	-$1.44M	-$794.00K	-$508.00K	-$417.00K	-$162.00K
Free Cash Flow	-$73.74M	$89.64M	-$28.77M	$37.27M	$3.70M
Depreciation & Amortisation	$761.00K	$761.00K	$742.00K	$740.00K	$733.00K
Investing Cash Flow	-$386.02M	-$473.70M	-$54.51M	-$388.84M	-$65.93M
Financing Cash Flow	$552.48M	$386.77M	$160.07M	$342.31M	$112.81M
Dividends Paid	-$3.16M	-$2.84M	-$2.59M	-$1.31M	-$1.32M
Share Repurchases	$0.00	-$62.00K	-$77.27M	$0.00	$0.00
Net Change in Cash	$94.16M	$3.50M	$77.30M	-$8.84M	$50.74M

Market Snapshot

About

Northpointe Bancshares is a community bank holding company providing commercial and consumer banking, lending, and financial services to local markets.