NORTHPOINTE BANCSHARES INC (NPB) Fundamental Analysis & Valuation

NYSE:NPB • US66661N8864

Current stock price

17.7 USD
+0.24 (+1.37%)
At close:
17.7 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.
  • 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

  • With a Return On Assets value of 0.91%, NPB perfoms like the industry average, outperforming 43.68% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 9.95%, NPB is in line with its industry, outperforming 59.47% 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 66.05% 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

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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.
  • 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

  • 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.
  • NPB's Debt to FCF ratio of 0.36 is amongst the best of the industry. NPB outperforms 84.74% 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.
  • NPB has a Debt to Equity ratio of 0.05. This is amongst the best in the industry. NPB outperforms 80.79% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF 0.36
Altman-Z N/A
ROIC/WACCN/A
WACC12%
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. 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.
  • 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%.
  • The Revenue has been decreasing by -2.09% on average over the past years.
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
  • 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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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8

4. NPB Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 8.47, which indicates a very decent valuation of NPB.
  • 90.79% of the companies in the same industry are more expensive than NPB, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 26.21. NPB is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 6.45, the valuation of NPB can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, NPB is valued cheaper than 95.26% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of NPB to the average of the S&P500 Index (23.13), we can say NPB is valued rather cheaply.
Industry RankSector Rank
PE 8.47
Fwd PE 6.45
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

  • 83.42% 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 7.58
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)0.27
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 0.59%, NPB is not a good candidate for dividend investing.
  • With a Dividend Yield of 0.59, NPB pays less dividend than the industry average, which is at 2.73. 84.21% of the companies listed in the same industry pay a better dividend than NPB!
  • With a Dividend Yield of 0.59, NPB pays less dividend than the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 0.59%

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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NPB Fundamentals: All Metrics, Ratios and Statistics

NORTHPOINTE BANCSHARES INC

NYSE:NPB (4/6/2026, 8:04:00 PM)

After market: 17.7 0 (0%)

17.7

+0.24 (+1.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-20
Inst Owners50.26%
Inst Owner Change0%
Ins Owners17.79%
Ins Owner Change7.44%
Market Cap610.47M
Revenue(TTM)241.72M
Net Income(TTM)62.07M
Analysts80
Price Target21.93 (23.9%)
Short Float %2.24%
Short Ratio1.62
Dividend
Industry RankSector Rank
Dividend Yield 0.59%
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%
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 8.47
Fwd PE 6.45
P/S 2.77
P/FCF 7.58
P/OCF 7.34
P/B 0.98
P/tB 1.01
EV/EBITDA N/A
EPS(TTM)2.09
EY11.81%
EPS(NY)2.74
Fwd EY15.49%
FCF(TTM)2.33
FCFY13.19%
OCF(TTM)2.41
OCFY13.62%
SpS6.38
BVpS18.08
TBVpS17.54
PEG (NY)0.27
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%
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.


How profitable is NORTHPOINTE BANCSHARES INC (NPB) stock?

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


What is the financial health of NORTHPOINTE BANCSHARES INC (NPB) stock?

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


What is the earnings growth outlook for NORTHPOINTE BANCSHARES INC?

The Earnings per Share (EPS) of NORTHPOINTE BANCSHARES INC (NPB) is expected to grow by 31.2% in the next year.