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NPB stock logo

NPB

Northpointe Bancshares, Inc.

$17.46
0.01
 (0.06%)
Exchange:  NYSE
Market Cap:  260.873M
Shares Outstanding:  68.249M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Charles A. Williams
Full Time Employees:  491
Address: 
3333 Deposit Drive Northeast
Grand Rapids
MI
49546-1467
US
Website:  https://www.northpointe.com
Northpointe Bancshares, Inc. operates as the bank holding company for Northpointe Bank provides various banking products and services in the United States. It operates through two segments: Mortgage Purchase Program and Retail Banking. The company offers digital deposit banking, such as noninterest-bearing accounts, savings, money-market demand accounts, and certificates of deposits; personal and business banking; and health saving accounts; home loans; mortgage purchase program; residential mortgage lending; and custodial deposit services. Northpointe Bancshares, Inc. was incorporated in 1998 and is headquartered in Grand Rapids, Michigan.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/10/22 — Q3 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue362,449390,455471,184
Gross Profit197,771187,466239,621
EBITDA48,70476,677110,393
Operating Income44,68772,876110,393
Net Income33,76255,15983,409

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets4,758,4795,224,0117,022,825
Total Liabilities4,327,8594,761,5216,453,783
Total Stockholders Equity430,620462,490569,042
Total Debt1,314,3681,302,6831,536,415
Cash and Cash Equivalents351,890376,295496,459

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow504,16819,80944,291
Capital Expenditure-5,532-1,052-2,765
Free Cash Flow498,63618,75741,526
Net Income33,76255,15983,409
Net Change in Cash77,65724,40512,832

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)287,613.221Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)294,842.778Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)291,228Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)-18,790.166Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)-18,329.430Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)-18,559.798Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)43,248.301Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)45,389.338Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)44,318.820Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)655,892.067Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)672,378.824Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)664,135.447Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)3.020Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)3.080Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)2.940Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)2Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
386.009M  ?P/S
 (TTM)
: 
0.61
?Net Income
 (TTM)
: 
55.159M  ?P/E
 (TTM)
: 
3.46
?Enterprise Value
 (TTM)
: 
1.328B  ?EV/FCF
 (TTM)
: 
31.97
?Dividend Yield
 (TTM)
: 
0.01  ?Payout Ratio
 (TTM)
: 
0.14
?ROE
 (TTM)
: 
0.21  ?ROIC
 (TTM)
: 
-0.02
?Net Debt
 (TTM)
: 
926.388M  ?Debt/Equity
 (TTM)
: 
2.7
?P/B
 (TTM)
: 
0.51  ?Current Ratio
 (TTM)
: 
0.1

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
45.78Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates NPB intrinsic value between $7.56 – $8.04 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate NPB Intrinsic Value

Common questions about NPB valuation

Is Northpointe Bancshares, Inc. (NPB) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Northpointe Bancshares, Inc. (NPB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is NPB a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether NPB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is NPB’s P/E ratio?

You can see NPB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for NPB?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is NPB a good long-term investment?

Whether NPB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

NPB

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.06
MARKETSnap

Trading Metrics:

Open: 17.29   Previous Close: 17.45
Day Low: 17   Day High: 17.53
Year Low: 11.43   Year High: 19.48
Price Avg 50: 17.57   Price Avg 200: 16.79
Volume: 98891   Average Volume: 225424

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See in Nexus

Relevant news

Northpointe Bancshares, Inc. Declares Quarterly Cash Dividend on Common Stock
06-01-2026 16:15
Northpointe Bancshares, Inc. Declares Quarterly Cash Dividend on Common Stock
Northpointe Bancshares, Inc. Announces Date of First Quarter 2026 Earnings Release and Conference Call
23-03-2026 17:00
Northpointe Bancshares, Inc. Announces Date of First Quarter 2026 Earnings Release and Conference Call
Northpointe Bancshares, Inc. Announces Appointment of Rodney E. Hood to its Board of Directors
27-02-2026 09:20
Northpointe Bancshares, Inc. Announces Appointment of Rodney E. Hood to its Board of Directors
Northpointe Bancshares, Inc. Reports Fourth Quarter and Full Year 2025 Results
20-01-2026 17:00
Northpointe Bancshares, Inc. Reports Fourth Quarter and Full Year 2025 Results
Northpointe Bancshares, Inc. Announces Completion of $70 Million Subordinated Notes Offering
09-12-2025 16:30
Northpointe Bancshares, Inc. Announces Completion of $70 Million Subordinated Notes Offering

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