NORTHPOINTE BANCSHARES INC (NPB) Stock Fundamental Analysis

NYSE:NPB • US66661N8864

18.06 USD
-0.4 (-2.17%)
At close: Feb 27, 2026
18.06 USD
0 (0%)
After Hours: 2/27/2026, 8:23:08 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to NPB. NPB was compared to 379 industry peers in the Banks industry. NPB may be in some trouble as it scores bad on both profitability and health. NPB is evaluated to be cheap and growing strongly. This does not happen too often!


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • NPB had positive earnings in the past year.
  • NPB had a positive operating cash flow in the past year.
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

  • Looking at the Return On Assets, with a value of 0.91%, NPB is in line with its industry, outperforming 49.34% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 9.95%, NPB is in the better half of the industry, outperforming 62.27% 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 68.60% of its industry peers.
  • NPB's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for NPB so they could not be analyzed.
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

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

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.
  • NPB has a worse debt/assets ratio than last year.
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

  • NPB has a debt to FCF ratio of 0.36. This is a very positive value and a sign of high solvency as it would only need 0.36 years to pay back of all of its debts.
  • NPB's Debt to FCF ratio of 0.36 is amongst the best of the industry. NPB outperforms 83.38% of its industry peers.
  • 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 81.00% 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
WACC11.93%
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

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

7

3. Growth

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.
  • NPB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 74.83% yearly.
  • NPB shows a strong growth in Revenue. In the last year, the Revenue has grown by 29.17%.
  • NPB shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.09% yearly.
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

  • The Earnings Per Share is expected to grow by 20.53% on average over the next years. This is a very strong growth
  • NPB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.04% yearly.
EPS Next Y31.11%
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

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 8.64, which indicates a very decent valuation of NPB.
  • Based on the Price/Earnings ratio, NPB is valued cheaper than 91.29% of the companies in the same industry.
  • NPB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.07.
  • A Price/Forward Earnings ratio of 6.59 indicates a rather cheap valuation of NPB.
  • NPB's Price/Forward Earnings ratio is rather cheap when compared to the industry. NPB is cheaper than 95.51% of the companies in the same industry.
  • NPB is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.05, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.64
Fwd PE 6.59
NPB Price Earnings VS Forward Price EarningsNPB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • NPB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. NPB is cheaper than 82.59% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.74
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.
  • A more expensive valuation may be justified as NPB's earnings are expected to grow with 20.53% in the coming years.
PEG (NY)0.28
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. Dividend

5.1 Amount

  • NPB has a yearly dividend return of 0.54%, which is pretty low.
  • Compared to an average industry Dividend Yield of 2.73, NPB's dividend is way lower than its industry peers. On top of this 86.02% of the companies listed in the same industry pay a better dividend than NPB!
  • Compared to an average S&P500 Dividend Yield of 1.82, NPB's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.54%

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

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NORTHPOINTE BANCSHARES INC

NYSE:NPB (2/27/2026, 8:23:08 PM)

After market: 18.06 0 (0%)

18.06

-0.4 (-2.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-20
Inst Owners41.46%
Inst Owner Change16.53%
Ins Owners17.8%
Ins Owner Change4.9%
Market Cap622.89M
Revenue(TTM)241.72M
Net Income(TTM)62.07M
Analysts77.14
Price Target21.93 (21.43%)
Short Float %1.86%
Short Ratio0.94
Dividend
Industry RankSector Rank
Dividend Yield 0.54%
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)7.05%
PT rev (3m)7.95%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.57%
EPS NY rev (1m)0.65%
EPS NY rev (3m)2.44%
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 8.64
Fwd PE 6.59
P/S 2.83
P/FCF 7.74
P/OCF 7.49
P/B 1
P/tB 1.03
EV/EBITDA N/A
EPS(TTM)2.09
EY11.57%
EPS(NY)2.74
Fwd EY15.17%
FCF(TTM)2.33
FCFY12.93%
OCF(TTM)2.41
OCFY13.35%
SpS6.38
BVpS18.08
TBVpS17.54
PEG (NY)0.28
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
WACC11.93%
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 Y31.11%
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 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.