NPB logo

NORTHPOINTE BANCSHARES INC

NPBNYSE
πŸ† #2950 by market capEarnings Oct 19US Equity
$14.83β–Ό $0.27 (βˆ’1.85%)
Market closed Β· at close
πŸ””
Track NPB
Get earnings, price moves & breaking news on Telegram
Track
24hβ–Ό 1.9%
7dβ–Ό 4.4%
14dβ–Ό 11.2%
30dβ–Ό 12.7%
ytdβ–Ό 11.5%
1yβ–Ό 13.2%
🏦Market Cap
$512M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+20.7%
Healthy
πŸ“ŠGross Margin
45.0%
Healthy
πŸ’΅FCF Margin
22.2%
Strong
βš–οΈP/S Ratio
1.2x
Cheap
Otter Score
60
Fair

Trading Snapshot

Day Range
$14.76 – $15.04
52-Week Range
$14.78 – $19.71
Volume
$2.61B
Avg Volume
$3.05B
Shares Outstanding
34.5M
Next Earnings
Dec 16, 2026

Fundamentals Snapshot

Annual Revenue
$471M
Last Q Revenue
$66M
P/E Ratio
6.3
P/S Ratio
1.2x
EPS (TTM)
$2.58
Dividend Yield
0.67%
Dilution (1yr)
+2.3%

Why Investors Own NPB

  • βœ“High-growth profile β€” revenue up +7.9% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 57% gross margin and 22% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

NPB logo

NORTHPOINTE BANCSHARES INC

NPB
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$471Mβ–² +20.7% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
50.9%β–² +5.9% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$110Mβ–² +51.5% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$42Mβ–² +121.4% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
35.1Mβ–² +2.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$1.0Bβ–Ό βˆ’$114M YoY
StockOtter Β· stockotter.space

About NORTHPOINTE BANCSHARES INC

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.

🦦

Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
60/100

Analyst Price Target

β“˜
Average Target
$18.04
β–² +21.7% Upside
High Target$22.01
Low Target$16.13
Based on 23 analysts

Latest News & Updates

Business WireΒ·8d ago

Northpointe Bancshares, Inc. Announces Date of Third Quarter 2026 Earnings Release and Conference Call

GRAND RAPIDS, Mich.--(BUSINESS WIRE)-- #NPB--Northpointe Bancshares, Inc. will release its third quarter 2026 financial results on Tuesday, October 20, 2026, after market close.

GuruFocusΒ·Aug 28

Northpointe Bancshares, Inc. Strengthens Leadership Team with Appointment of Joseph (JB) Long as Chief Operating Officer and Chief Credit Officer

Northpointe Bancshares, Inc. (NYSE: NPB) (the Γ’Β€ΒœCompanyҀ) and its wholly owned subsidiary, Northpointe Bank (the Γ’Β€ΒœBankΓ’Β€Βœ), today announced that Joseph (JB

Seeking AlphaΒ·Jul 22

Northpointe Bancshares, Inc. (NPB) Q2 2026 Earnings Call Transcript

Northpointe Bancshares, Inc. (NPB) Q2 2026 Earnings Call Transcript

MarketBeatΒ·Jul 22

Northpointe Bancshares Q2 Earnings Call Highlights

Northpointe Bancshares NYSE: NPB reported second-quarter 2026 net income to common stockholders of $21.3 million, or $0.60 per diluted share, as management pointed to continued growth in its Mortgage Purchase Program, st

Zacks Investment ResearchΒ·Jul 21

Northpointe Bancshares, Inc. (NPB) Q2 Earnings and Revenues Lag Estimates

Northpointe Bancshares, Inc. (NPB) came out with quarterly earnings of $0.6 per share, missing the Zacks Consensus Estimate of $0.68 per share. This compares to earnings of $0.51 per share a year ago.

Zacks Investment ResearchΒ·Jul 21

Northpointe Bancshares, Inc. (NPB) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates

Although the revenue and EPS for Northpointe Bancshares, Inc. (NPB) give a sense of how its business performed in the quarter ended June 2026, it might be worth considering how some key metrics compare with Wall Street e