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.
Follow NPB
Northpointe Bancshares, Inc. (NPB) Piotroski F-score
Northpointe Bancshares, Inc.'s Piotroski F-score for fiscal 2025 is 5 out of 9: 5 of nine tests of profitability, leverage and efficiency passed.
Piotroski F-score, annual
Embed this chart
Annual newest first
| Period | Piotroski F-score | Change (points) |
|---|---|---|
| FY2025 | 5 | — |
How fiscal 2025’s score is made up
| Test | This year | Year before | Result | Points |
|---|---|---|---|---|
| Positive return on assets | 1.17% | 0.94% | Pass | 1 |
| Positive operating cash flow | 44.29m | 19.81m | Pass | 1 |
| Rising return on assets | 1.17% | 0.94% | Pass | 1 |
| Cash flow above net income | (27.33m) | (27.35m) | Fail | 0 |
| Falling long-term leverage | 0.25 | 0.26 | Pass | 1 |
| Rising current ratio | 1.40 | 1.46 | Fail | 0 |
| No new shares issued | 33,433,000 | 25,760,000 | Fail | 0 |
| Rising gross margin | 51.30% | 47.93% | Pass | 1 |
| Rising asset turnover | 0.08 | 0.08 | Fail | 0 |
| Piotroski F-score | Mixed | 5 | ||
How the Piotroski F-score works
One point for each of nine tests, this fiscal year against the one before: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, a rising current ratio, no new shares issued, a rising gross margin and rising asset turnover. The ratios are the ones on this site, so each can be checked.
Joseph Piotroski (2000) called 8–9 high and 0–1 low; reading it in three bands is the common convention:
| 7–9 | Strong — most fundamentals improved |
|---|---|
| 4–6 | Mixed |
| 0–3 | Weak — most fundamentals deteriorated |
Where this differs from the paper: return on assets is on average rather than beginning-of-year assets, and weighted basic shares stand in for shares issued. The score is shown only when all nine tests can be worked out, which takes three fiscal years; banks and insurers, which report no current assets or gross profit, have none.
Piotroski F-score against peers
| Company | Piotroski F-score |
|---|---|
| HBCP Home Bancorp, Inc. compare | 9 |
| SFST Southern First Bancshares, Inc. compare | 8 |
| NRIM Northrim BanCorp Inc compare | 7 |
| BWFG Bankwell Financial Group, Inc. compare | 6 |
| UNTY Unity Bancorp, Inc. compare | 6 |
| BSVN Bank7 Corp. compare | 6 |
| SUPV Grupo Supervielle S.A. compare | 6 |
| CIVB Civista Bancshares, Inc. compare | 5 |
| NPB Northpointe Bancshares, Inc. | 5 |
What Piotroski F-score is
The Piotroski F-Score tells an investor how many signs of improving profitability, funding and efficiency a company shows against a year earlier.
One point for each of nine tests against a year earlier: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, rising current ratio, no new shares issued, rising gross margin, and rising asset turnover