NORTHPOINTE BANCSHARES INC (NPB) Fundamental Analysis & Valuation

NYSE:NPB • US66661N8864

Current stock price

16.9 USD
-0.31 (-1.8%)
At close:
16.9 USD
0 (0%)
After Hours:

This NPB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. NPB Profitability Analysis

1.1 Basic Checks

  • NPB had positive earnings in the past year.
  • In the past year NPB had a positive cash flow from operations.
NPB Yearly Net Income VS EBIT VS OCF VS FCFNPB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2022 2023 2024 2025 200M 400M 600M 800M 1B

1.2 Ratios

  • NPB has a Return On Assets (0.91%) which is comparable to the rest of the industry.
  • Looking at the Return On Equity, with a value of 9.95%, NPB is in the better half of the industry, outperforming 60.53% of the companies in the same industry.
Industry RankSector Rank
ROA 0.91%
ROE 9.95%
ROIC N/A
ROA(3y)0.81%
ROA(5y)N/A
ROE(3y)9.46%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
NPB Yearly ROA, ROE, ROICNPB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of NPB (28.18%) is better than 66.32% of its industry peers.
  • NPB's Profit Margin has improved in the last couple of years.
  • NPB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 28.18%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y77.78%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
NPB Yearly Profit, Operating, Gross MarginsNPB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 2025 5 10 15 20 25

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. NPB Health Analysis

2.1 Basic Checks

  • NPB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for NPB has been increased compared to 1 year ago.
  • Compared to 1 year ago, NPB has a worse debt to assets ratio.
NPB Yearly Shares OutstandingNPB Yearly Shares OutstandingYearly Shares Outstanding 2022 2023 2024 2025 10M 20M 30M
NPB Yearly Total Debt VS Total AssetsNPB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • The Debt to FCF ratio of NPB is 0.36, which is an excellent value as it means it would take NPB, only 0.36 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.36, NPB belongs to the top of the industry, outperforming 84.47% of the companies in the same industry.
  • NPB has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.05, NPB belongs to the top of the industry, outperforming 80.26% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.36
Altman-Z N/A
ROIC/WACCN/A
WACC12.21%
NPB Yearly LT Debt VS Equity VS FCFNPB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. NPB Growth Analysis

3.1 Past

  • NPB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 53.86%, which is quite impressive.
  • Measured over the past years, NPB shows a very strong growth in Earnings Per Share. The EPS has been growing by 74.83% on average per year.
  • Looking at the last year, NPB shows a very strong growth in Revenue. The Revenue has grown by 29.17%.
  • Measured over the past years, NPB shows a decrease in Revenue. The Revenue has been decreasing by -2.09% on average per year.
EPS 1Y (TTM)53.86%
EPS 3Y74.83%
EPS 5YN/A
EPS Q2Q%103.34%
Revenue 1Y (TTM)29.17%
Revenue growth 3Y-2.09%
Revenue growth 5YN/A
Sales Q2Q%49.28%

3.2 Future

  • NPB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.53% yearly.
  • The Revenue is expected to grow by 10.04% on average over the next years. This is quite good.
EPS Next Y31.2%
EPS Next 2Y20.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.98%
Revenue Next 2Y10.04%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
NPB Yearly Revenue VS EstimatesNPB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
NPB Yearly EPS VS EstimatesNPB Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 1 2 3

More info and screens

Find the best growth stocksShow best growing peers

8

4. NPB Valuation Analysis

4.1 Price/Earnings Ratio

  • NPB is valuated reasonably with a Price/Earnings ratio of 8.09.
  • Based on the Price/Earnings ratio, NPB is valued cheaper than 90.79% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 24.88. NPB is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 6.16 indicates a rather cheap valuation of NPB.
  • Based on the Price/Forward Earnings ratio, NPB is valued cheaper than 95.26% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.19. NPB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.09
Fwd PE 6.16
NPB Price Earnings VS Forward Price EarningsNPB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • 83.95% of the companies in the same industry are more expensive than NPB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 7.24
EV/EBITDA N/A
NPB Per share dataNPB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • NPB's earnings are expected to grow with 20.53% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.26
PEG (5Y)N/A
EPS Next 2Y20.53%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. NPB Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.58%, NPB is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.78, NPB's dividend is way lower than its industry peers. On top of this 84.47% of the companies listed in the same industry pay a better dividend than NPB!
  • With a Dividend Yield of 0.58, NPB pays less dividend than the S&P500 average, which is at 1.90.
Industry RankSector Rank
Dividend Yield 0.58%

5.2 History

  • NPB does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
NPB Yearly Dividends per shareNPB Yearly Dividends per shareYearly Dividends per share 2025 2026 0.02 0.04 0.06 0.08

5.3 Sustainability

DPN/A
EPS Next 2Y20.53%
EPS Next 3YN/A
NPB Yearly Income VS Free CF VS DividendNPB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2022 2023 2024 2025 200M 400M 600M 800M 1B

More info and screens

Find the best dividend stocksShow peers with best dividend

NPB Fundamentals: All Metrics, Ratios and Statistics

NORTHPOINTE BANCSHARES INC

NYSE:NPB (3/27/2026, 8:04:00 PM)

After market: 16.9 0 (0%)

16.9

-0.31 (-1.8%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-20
Inst Owners50.26%
Inst Owner Change16.81%
Ins Owners17.79%
Ins Owner Change4.92%
Market Cap582.88M
Revenue(TTM)241.72M
Net Income(TTM)62.07M
Analysts80
Price Target21.93 (29.76%)
Short Float %1.62%
Short Ratio0.93
Dividend
Industry RankSector Rank
Dividend Yield 0.58%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date01-15
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.62%
Min EPS beat(2)-4.35%
Max EPS beat(2)-2.89%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-0.23%
Min Revenue beat(2)-0.98%
Max Revenue beat(2)0.52%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)7.95%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.57%
EPS NY rev (1m)0.07%
EPS NY rev (3m)2.51%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.84%
Valuation
Industry RankSector Rank
PE 8.09
Fwd PE 6.16
P/S 2.65
P/FCF 7.24
P/OCF 7.01
P/B 0.93
P/tB 0.96
EV/EBITDA N/A
EPS(TTM)2.09
EY12.37%
EPS(NY)2.74
Fwd EY16.23%
FCF(TTM)2.33
FCFY13.82%
OCF(TTM)2.41
OCFY14.27%
SpS6.38
BVpS18.08
TBVpS17.54
PEG (NY)0.26
PEG (5Y)N/A
Graham Number29.16
Profitability
Industry RankSector Rank
ROA 0.91%
ROE 9.95%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.18%
GM N/A
FCFM 36.57%
ROA(3y)0.81%
ROA(5y)N/A
ROE(3y)9.46%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y77.78%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.36
Debt/EBITDA N/A
Cap/Depr 81.27%
Cap/Sales 1.2%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 129.74%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC12.21%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)53.86%
EPS 3Y74.83%
EPS 5YN/A
EPS Q2Q%103.34%
EPS Next Y31.2%
EPS Next 2Y20.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)29.17%
Revenue growth 3Y-2.09%
Revenue growth 5YN/A
Sales Q2Q%49.28%
Revenue Next Year11.98%
Revenue Next 2Y10.04%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-35.63%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-34.22%
OCF growth 3YN/A
OCF growth 5YN/A

NORTHPOINTE BANCSHARES INC / NPB Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for NORTHPOINTE BANCSHARES INC?

ChartMill assigns a fundamental rating of 4 / 10 to NPB.


What is the valuation status of NORTHPOINTE BANCSHARES INC (NPB) stock?

ChartMill assigns a valuation rating of 8 / 10 to NORTHPOINTE BANCSHARES INC (NPB). This can be considered as Undervalued.


What is the profitability of NPB stock?

NORTHPOINTE BANCSHARES INC (NPB) has a profitability rating of 2 / 10.


How financially healthy is NORTHPOINTE BANCSHARES INC?

The financial health rating of NORTHPOINTE BANCSHARES INC (NPB) is 3 / 10.