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NPB

NPB

Northpointe Bancshares, Inc.

$17.12
0.01
 (0.03%)
Exchange:  NYSE
Market Cap:  590.367M
Shares Outstanding:  68.249M
Delayed data
Calculate NPB Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Charles A. Williams
Full Time Employees:  483
Address: 
3333 Deposit Drive Northeast
Grand Rapids
MI
49546-1467
US
Website:  https://www.northpointe.com
Northpointe Bancshares, Inc. serves as the parent company for Northpointe Bank, offering a broad spectrum of financial products and banking services throughout the United States. The organization’s activities are structured into two main divisions: its Mortgage Purchase Program and Retail Banking. Customers can access digital deposit solutions such as non-interest-bearing accounts, savings accounts, money market demand accounts, and certificates of deposit. Furthermore, the company extends services to individual and business clients, provides health savings accounts, facilitates home financing, manages a dedicated mortgage purchase program, engages in residential mortgage lending, and offers custodial deposit services. Founded in 1998, Northpointe Bancshares, Inc. is based in Grand Rapids, Michigan.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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View full analyst estimates

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.

2026/04/22 — Q1 quarter 2026

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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
EBITDA48,70476,677113,465
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 Year2027Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)278,328.016Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)286,591.983Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)282,460Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)-17,890.646Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)-17,374.764Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)-17,632.705Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)89,482.463Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)95,971.666Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)92,727.065Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)634,717.476Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)653,563.169Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)644,140.324Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)2.740Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)2.830Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)2.640Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)2Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)2Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
386.009M  ?P/S
 (TTM)
: 
1.34
?Net Income
 (TTM)
: 
55.159M  ?P/E
 (TTM)
: 
7.32
?Enterprise Value
 (TTM)
: 
1.685B  ?EV/FCF
 (TTM)
: 
17.09
?Dividend Yield
 (TTM)
: 
0.58%  ?Payout Ratio
 (TTM)
: 
7.01%
?ROE
 (TTM)
: 
14.99%  ?ROIC
 (TTM)
: 
0.61%
?Net Debt
 (TTM)
: 
926.388M  ?Debt/Equity
 (TTM)
: 
2.66
?P/B
 (TTM)
: 
0.98  ?Current Ratio
 (TTM)
: 
0

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Forward P/E Ratios

?

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

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
46.55Research AccessResearch AccessResearch AccessResearch 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.

[intrinsic_calculator]

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

0.03
MARKETSnap

Trading Metrics:

Open: 17.02   Previous Close: 17.11
Day Low: 16.99   Day High: 17.35
Year Low: 15.42   Year High: 19.71
Price Avg 50: 17.86   Price Avg 200: 17.61
Volume: 30319   Average Volume: 174798

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See in Nexus

Relevant news

Northpointe Bancshares, Inc. (NPB) Q2 2026 Earnings Call Transcript
Northpointe Bancshares, Inc. (NPB) Q2 Earnings and Revenues Lag Estimates
Northpointe Bancshares, Inc. Reports Second Quarter 2026 Results
Northpointe Bancshares, Inc. Declares Quarterly Cash Dividend on Common Stock
Northpointe Bank Celebrates Industry Recognition, National Rankings, and One-Year IPO Milestone
Northpointe Bancshares, Inc. (NPB) Q1 2026 Earnings Call Transcript

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