Saturday 17 October 2026
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Northpointe Bancshares, Inc.
Northpointe Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $471.2 million, up 20.7% from fiscal 2024. In the quarter to June 2026, revenue grew 11.6%, EPS grew 17.3%, free cash flow grew 105.5% and total debt rose 24.9%, each against the same quarter a year earlier. Insiders bought in the last twelve months.
15.52
0.10
−0.64%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Trend | 2026e | 2027e | 2028e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price, $ | |||||||||||||||
| Price, $ | Low | — | — | — | — | — | — | — | — | — | 11.43 |
Analyst estimates 2026–2028 Powerpack |
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| High | — | — | — | — | — | — | — | — | — | 18.86 | |||||
| People | |||||||||||||||
| People | Employees | — | — | — | — | — | — | — | 541 | 500 | 491 | ||||
| Revenue/emp, $m | — | — | — | — | — | — | — | 0.67 | 0.78 | 0.96 | |||||
| Income, $m | |||||||||||||||
| Income, $m | Revenue | — | — | — | — | — | — | — | 362 | 390 | 471 | ||||
| Gross margin, % | — | — | — | — | — | — | — | 54.16 | 47.93 | 51.30 | |||||
| EBT | — | — | — | — | — | — | — | 45 | 73 | 110 | |||||
| EBT margin, % | — | — | — | — | — | — | — | 12.33 | 18.66 | 23.43 | |||||
| Net income | — | — | — | — | — | — | — | 34 | 55 | 83 | |||||
| Depreciation | — | — | — | — | — | — | — | 5 | 6 | 3 | |||||
| Per share, $ | |||||||||||||||
| Per share, $ | Revenue | — | — | — | — | — | — | — | 14.09 | 15.16 | 14.09 | ||||
| Earnings | — | — | — | — | — | — | — | 0.94 | 1.83 | 2.14 | |||||
| Cash flow | — | — | — | — | — | — | — | 19.60 | 0.77 | 1.32 | |||||
| Capex | — | — | — | — | — | — | — | (0.08) | (0.03) | 0.02 | |||||
| Free cash flow | — | — | — | — | — | — | — | 19.52 | 0.74 | 1.34 | |||||
| Book value | — | — | — | — | — | — | — | 16.74 | 17.95 | 17.02 | |||||
| Shares, m | — | — | — | — | — | — | — | 26 | 26 | 33 | |||||
| Valuation, × | |||||||||||||||
| Valuation, × | P/E | — | — | — | — | — | — | — | 6.81 | 6.81 | 7.88 | ||||
| P/S | — | — | — | — | — | — | — | 0.96 | 0.96 | 1.19 | |||||
| P/B | — | — | — | — | — | — | — | 0.81 | 0.81 | 0.99 | |||||
| EV/Sales | — | — | — | — | — | — | — | 3.34 | 3.34 | 3.40 | |||||
| EV/FCF | — | — | — | — | — | — | — | 68.56 | 68.56 | 35.69 | |||||
| Cash, $m | |||||||||||||||
| Cash, $m | Operating cash flow | — | — | — | — | — | — | — | 504 | 20 | 44 | ||||
| Capex | — | — | — | — | — | — | — | (2) | (1) | 1 | |||||
| Free cash flow | — | — | — | — | — | — | — | 502 | 19 | 45 | |||||
| Balance, $m | |||||||||||||||
| Balance, $m | Working capital | — | — | — | — | — | — | — | 1,548 | 1,587 | 1,947 | ||||
| Total debt | — | — | — | — | — | — | — | 1,314 | 1,303 | 1,536 | |||||
| Net debt | — | — | — | — | — | — | — | 962 | 926 | 1,040 | |||||
| Shareholders’ equity | — | — | — | — | — | — | — | 431 | 462 | 569 | |||||
| Returns, % | |||||||||||||||
| Returns, % | ROA | — | — | — | — | — | — | — | 0.00 | 0.94 | 1.17 | ||||
| ROIC | — | — | — | — | — | — | — | 2.00 | 3.28 | 4.29 | |||||
| ROE | — | — | — | — | — | — | — | 0.00 | 10.56 | 13.89 | |||||
Negative figures in brackets.
Fiscal years to Dec 2025 · latest quarter Jun 2026
Charts ten years each
Northpointe Bancshares, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier
| Company | Market cap | P/E | Fwd P/E | Revenue growth (Q) | EPS growth (Q) | FCF growth (Q) | Gross margin (Q) | EBIT margin (Q) | Compare |
|---|---|---|---|---|---|---|---|---|---|
| SFST Southern First Bancshares, Inc. | $566.3M | 12.6× | 11.5× | +10.76% (above 0%: growing) | +50.62% (above 0%: growing) | +66.02% (above 0%: growing) | 58.21% | 0.00% | Compare |
| UNTY Unity Bancorp, Inc. | $563.0M | 9.6× | 9.5× | +0.29% (above 0%: growing) | −12.20% (below 0%: shrinking) | −57.88% (below 0%: shrinking) | 69.50% | 0.00% | Compare |
| SUPV Grupo Supervielle S.A. | $559.2M | — (loss-making) | — | −1.93% (below 0%: shrinking) | −28.57% (below 0%: shrinking) | −129.06% (below 0%: shrinking) | 64.28% | 0.00% | Compare |
| CIVB Civista Bancshares, Inc. | $558.0M | 9.9× | 9.4× | +4.29% (above 0%: growing) | −2.82% (below 0%: shrinking) | +44.49% (above 0%: growing) | 72.61% | 0.00% | Compare |
| NRIM Northrim BanCorp Inc | $543.4M | 7.6× | 9.5× | +3.99% (above 0%: growing) | +29.58% (above 0%: growing) | +934.70% (above 0%: growing) | 84.32% | 0.00% | Compare |
| NPB Northpointe Bancshares, Inc. | $540.2M | 6.6× | 6.5× | +11.60% (above 0%: growing) | +17.31% (above 0%: growing) | +105.45% (above 0%: growing) | 49.88% | 0.00% | |
| BSVN Bank7 Corp. | $528.6M | 13.1× | 10.1× | −7.40% (below 0%: shrinking) | −25.42% (below 0%: shrinking) | +20.62% (above 0%: growing) | 71.74% | 0.00% | Compare |
| BWFG Bankwell Financial Group, Inc. | $519.5M | 12.1× | 9.9× | +9.58% (above 0%: growing) | +33.62% (above 0%: growing) | +64.68% (above 0%: growing) | 59.05% | 0.00% | Compare |
| HBCP Home Bancorp, Inc. | $518.5M | 10.9× | 11.0× | +1.51% (above 0%: growing) | +1.36% (above 0%: growing) | +15.46% (above 0%: growing) | 74.76% | 0.00% | Compare |
| Median of peers | $550.7M | 10.9× | 9.9× | +2.75% | −0.73% | +32.56% | 70.62% | 0.00% |
Northpointe Bancshares, Inc. (NPB) key facts
- Strength: Northpointe Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $471.2 million, up 20.7% from fiscal 2024.
- Northpointe Bancshares, Inc. (NPB) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
- As of October 16, 2026, NPB traded at $15.52, a market capitalization of $540.2 million.
- Northpointe Bancshares, Inc. pays an annual dividend of $0.11 per share, a yield of 0.68%, with a payout ratio of 4.55%.
- Return on equity was 13.9% and debt-to-equity 2.66.
- Its Piotroski F-score is 5 out of 9 for fiscal 2025.