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NORTHPOINTE BANCSHARES INC (NPB) Stock Fundamental Analysis

USA - NYSE:NPB - US66661N8864 - Common Stock

17.52 USD
+0.13 (+0.75%)
Last: 10/3/2025, 8:04:01 PM
17.52 USD
0 (0%)
After Hours: 10/3/2025, 8:04:01 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to NPB. NPB was compared to 392 industry peers in the Banks industry. NPB may be in some trouble as it scores bad on both profitability and health. A decent growth rate in combination with a cheap valuation! Better keep an eye on NPB.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year NPB was profitable.
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 200M 400M 600M 800M 1B

1.2 Ratios

With an excellent Return On Assets value of 1.25%, NPB belongs to the best of the industry, outperforming 81.63% of the companies in the same industry.
The Return On Equity of NPB (13.28%) is better than 88.52% of its industry peers.
Industry RankSector Rank
ROA 1.25%
ROE 13.28%
ROIC N/A
ROA(3y)0.57%
ROA(5y)N/A
ROE(3y)6.35%
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 2 4 6 8 10

1.3 Margins

The Profit Margin of NPB (26.81%) is better than 68.37% of its industry peers.
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) 26.81%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
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 5 10 15 20 25

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1

2. Health

2.1 Basic Checks

NPB does not have a ROIC to compare to the WACC, probably because it is not profitable.
NPB has about the same amout of shares outstanding than it did 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 10M 20M 30M
NPB Yearly Total Debt VS Total AssetsNPB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

A Debt/Equity ratio of 0.05 indicates that NPB is not too dependend on debt financing.
NPB has a Debt to Equity ratio of 0.05. This is amongst the best in the industry. NPB outperforms 81.12% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC12.35%
NPB Yearly LT Debt VS Equity VS FCFNPB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 200M 400M 600M 800M 1B

2.3 Liquidity

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

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4

3. Growth

3.1 Past

NPB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 95.59%, which is quite impressive.
The Revenue has decreased by -4.66% in the past year.
EPS 1Y (TTM)95.59%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)-4.66%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

NPB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 30.50% yearly.
The Revenue is expected to grow by 14.63% on average over the next years. This is quite good.
EPS Next Y64.1%
EPS Next 2Y41.97%
EPS Next 3Y30.5%
EPS Next 5YN/A
Revenue Next Year29.08%
Revenue Next 2Y20.97%
Revenue Next 3Y14.63%
Revenue Next 5YN/A

3.3 Evolution

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 2025 2026 2027 1 2 3

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7

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 7.36, the valuation of NPB can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of NPB indicates a rather cheap valuation: NPB is cheaper than 95.15% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.86. NPB is valued rather cheaply when compared to this.
NPB is valuated cheaply with a Price/Forward Earnings ratio of 6.32.
Based on the Price/Forward Earnings ratio, NPB is valued cheaper than 94.13% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.32, NPB is valued rather cheaply.
Industry RankSector Rank
PE 7.36
Fwd PE 6.32
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

Industry RankSector Rank
P/FCF N/A
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

NPB's 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 30.50% in the coming years.
PEG (NY)0.11
PEG (5Y)N/A
EPS Next 2Y41.97%
EPS Next 3Y30.5%

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0

5. Dividend

5.1 Amount

NPB has a yearly dividend return of 0.58%, which is pretty low.
With a Dividend Yield of 0.58, NPB pays less dividend than the industry average, which is at 3.52. 85.97% 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 2.41.
Industry RankSector Rank
Dividend Yield 0.58%

5.2 History

NPB is new to the dividend game and has less than 3 years of track record.
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 0.01 0.02 0.03 0.04 0.05

5.3 Sustainability

DPN/A
EPS Next 2Y41.97%
EPS Next 3Y30.5%
NPB Yearly Income VS Free CF VS DividendNPB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2022 2023 2024 200M 400M 600M 800M 1B

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NORTHPOINTE BANCSHARES INC

NYSE:NPB (10/3/2025, 8:04:01 PM)

After market: 17.52 0 (0%)

17.52

+0.13 (+0.75%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-22 2025-07-22/amc
Earnings (Next)10-21 2025-10-21
Inst Owners39.04%
Inst Owner Change11.17%
Ins Owners16.97%
Ins Owner Change1.77%
Market Cap601.99M
Analysts77.14
Price Target18.61 (6.22%)
Short Float %1.81%
Short Ratio2.15
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-Date07-15 2025-07-15 (0.025)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.87%
Min EPS beat(2)-2.89%
Max EPS beat(2)6.63%
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)-1.31%
Min Revenue beat(2)-3.13%
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)2.82%
PT rev (3m)5.8%
EPS NQ rev (1m)-2.48%
EPS NQ rev (3m)0%
EPS NY rev (1m)-1.62%
EPS NY rev (3m)-0.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.2%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.09%
Valuation
Industry RankSector Rank
PE 7.36
Fwd PE 6.32
P/S 2.01
P/FCF N/A
P/OCF N/A
P/B 1
P/tB 1.03
EV/EBITDA N/A
EPS(TTM)2.38
EY13.58%
EPS(NY)2.77
Fwd EY15.81%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS8.71
BVpS17.59
TBVpS17.06
PEG (NY)0.11
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.25%
ROE 13.28%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.81%
GM N/A
FCFM N/A
ROA(3y)0.57%
ROA(5y)N/A
ROE(3y)6.35%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-ScoreN/A
WACC12.35%
ROIC/WACCN/A
Cap/Depr(3y)97.4%
Cap/Depr(5y)N/A
Cap/Sales(3y)1.79%
Cap/Sales(5y)N/A
Profit Quality(3y)4007.55%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)95.59%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
EPS Next Y64.1%
EPS Next 2Y41.97%
EPS Next 3Y30.5%
EPS Next 5YN/A
Revenue 1Y (TTM)-4.66%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year29.08%
Revenue Next 2Y20.97%
Revenue Next 3Y14.63%
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-96.24%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-96.07%
OCF growth 3YN/A
OCF growth 5YN/A