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NORTHPOINTE BANCSHARES INC (NPB) Stock Fundamental Analysis

NYSE:NPB - New York Stock Exchange, Inc. - US66661N8864 - Common Stock - Currency: USD

14.5  -0.18 (-1.23%)

After market: 14.5 0 (0%)

Fundamental Rating

2

Taking everything into account, NPB scores 2 out of 10 in our fundamental rating. NPB was compared to 392 industry peers in the Banks industry. NPB has a bad profitability rating. Also its financial health evaluation is rather negative. NPB has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

NPB had positive earnings 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 200M 400M 600M 800M 1B

1.2 Ratios

The Return On Assets of NPB (0.80%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 8.04%, NPB is in line with its industry, outperforming 47.84% of the companies in the same industry.
Industry RankSector Rank
ROA 0.8%
ROE 8.04%
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

With a decent Profit Margin value of 25.20%, NPB is doing good in the industry, outperforming 60.31% of the companies in the same industry.
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) 25.2%
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.
The number of shares outstanding for NPB remains at a similar level compared to 1 year ago.
The debt/assets ratio for NPB is higher compared to a year ago.
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

NPB has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of NPB (0.05) is better than 80.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.96%
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.
Looking at the last year, NPB shows a decrease in Revenue. The Revenue has decreased by -4.66% in the last 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 29.71% yearly.
The Revenue is expected to grow by 13.94% on average over the next years. This is quite good.
EPS Next Y65.32%
EPS Next 2Y41.85%
EPS Next 3Y29.71%
EPS Next 5YN/A
Revenue Next Year28.02%
Revenue Next 2Y20.41%
Revenue Next 3Y13.94%
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 0.5 1 1.5 2 2.5

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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.58, which indicates a very decent valuation of NPB.
Compared to the rest of the industry, the Price/Earnings ratio of NPB indicates a somewhat cheap valuation: NPB is cheaper than 63.87% of the companies listed in the same industry.
NPB is valuated cheaply when we compare the Price/Earnings ratio to 26.82, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 5.24, which indicates a rather cheap valuation of NPB.
Based on the Price/Forward Earnings ratio, NPB is valued cheaply inside the industry as 95.93% of the companies are valued more expensively.
NPB is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.21, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.58
Fwd PE 5.24
NPB Price Earnings VS Forward Price EarningsNPB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 29.71% in the coming years.
PEG (NY)0.16
PEG (5Y)N/A
EPS Next 2Y41.85%
EPS Next 3Y29.71%

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0

5. Dividend

5.1 Amount

NPB has a yearly dividend return of 0.68%, which is pretty low.
Compared to an average industry Dividend Yield of 3.50, NPB's dividend is way lower than its industry peers. On top of this 85.50% of the companies listed in the same industry pay a better dividend than NPB!
Compared to an average S&P500 Dividend Yield of 2.39, NPB's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.68%

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 2Y41.85%
EPS Next 3Y29.71%
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 (8/1/2025, 8:04:01 PM)

After market: 14.5 0 (0%)

14.5

-0.18 (-1.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-22 2025-07-22/amc
Earnings (Next)N/A N/A
Inst Owners35.73%
Inst Owner Change0.12%
Ins Owners16.97%
Ins Owner Change-0.01%
Market Cap498.22M
Analysts80
Price Target17.6 (21.38%)
Short Float %3.99%
Short Ratio5.05
Dividend
Industry RankSector Rank
Dividend Yield 0.68%
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)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)2.97%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.12%
Revenue NY rev (1m)1.26%
Revenue NY rev (3m)4.24%
Valuation
Industry RankSector Rank
PE 10.58
Fwd PE 5.24
P/S 2.66
P/FCF N/A
P/OCF N/A
P/B 0.85
P/tB 0.88
EV/EBITDA N/A
EPS(TTM)1.37
EY9.45%
EPS(NY)2.77
Fwd EY19.08%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS5.45
BVpS17.07
TBVpS16.56
PEG (NY)0.16
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.8%
ROE 8.04%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.2%
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 Turnover0.03
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
WACC11.96%
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 Y65.32%
EPS Next 2Y41.85%
EPS Next 3Y29.71%
EPS Next 5YN/A
Revenue 1Y (TTM)-4.66%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year28.02%
Revenue Next 2Y20.41%
Revenue Next 3Y13.94%
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